Calculate the Gross Debt Service (GDS) and the Total Debt Service (TDS) ratios for the following data. (Round your answers to 2 decimal places. Omit the "%" sign in your response.)

Monthly mortgage payment = $2,550 Property taxes = $290 Heating costs = $205 Other housing costs = $160 Personal loan payment = $240 Car loan payment = $290 Credit card payment = $240 Gross monthly household income = $12,300