Harry and Cindy, aged 30 and 28 respectively, are planning to buy their first home. They are meeting with their bank manager to determine the maximum mortgage they can afford. Based on the following information, what would be their total debt service ratio? Monthly / Income / Expense gross income $8,500 mortgage payment (proposed) $1,700 heating bill(proposed) $ 250 property taxes (proposed) $ 300 credit card $400 student loans $ 200 food clothing $ 600 entertainment miscellaneous $ 500