Louise McIntyres monthly gross income is $3,300. Her employer withholds $800 in federal, state, and local income taxes and $350 in Social Security taxes per month. Louise contributes $200 each month for her IRA. Her monthly credit payments for VISA and MasterCard are $115 and $110, respectively. Her monthly payment on an automobile loan is $325.

1. What is Louise's debt payments-to-income ratio? (Enter your answer as a percent rounded to 2 decimal places.)