Katie and Tom are planning on having a family, and our looking to buy a house in Tallahassee, Fl. They have been living with Katie's mom in the mean time, rent free, but need more space. Tom currently works as an assistant manager, getting paid a salary of $37000 a year. While Katie works as a tutor at the local school part time 40 hours a month at $16/hr. They recently just bought a mini-van which they make monthly payments on of $425. When Tom was out of work they worked up credit card debt of $16,608, which they pay monthly payments of $443. Tom still pays 7% of his monthly income to his first wife for alimony payments. The monthly housing expense on the home they found is $1400 (PITI - Principal, Interest, Taxes, and Insurance). Calculate their total debt ratio? (PUT YOUR ANSWER AS A WHOLE PERCENTAGE, SO 0.64 WOULD BE 64)