Noel and Herman need to replace Noel's car. But with the furniture and appliance payments, the credit card bills, and Herman's car payment, they are uncertain if they can afford another payment. The auto-financing representative has asked, "What size payments are you thinking of?" Current payments (excluding the potential cost of Noel's car) total $256 of their $1,840 combined monthly take-home pay. Calculate the debt limit ratio to help them decide about the car purchase and answer the question, "What size payments are you thinking of?" by first assuming a 15 percent limit and then "stretching" it to a 20 percent limit.

The debt limit ratio is %.(Round to two decimal places.)