mike and Mary Jane Lee have a yearly income of $ 81,011 and own a house worth $ 108,700, two cars worth a total of $24,658 and furniture worth $ 10,708. The house has a mortgage of $ 69,189 and the cars have outstanding loans of $ 3,145 each. Utility bills, totaling $ 223 for this month, have not been paid. Calculate the debt ratio for the Lee household.