Michelle, a self-employed dentist, currently earns $300,000 annually. Michelle has been saving 15% of her annual Schedule C net income. Assume that Michelle paid $33,000 in Social Security taxes, and that she plans to pay off her mortgage at retirement, thereby relieving her of her only debt. Michelle presently pays $3,000 per month toward the mortgage principal and interest. Based on the information provided herein, what do you expect Michelles wage replacement ratio to be at retirement?