Ramon and Betsy are looking at buying a second car. They provide you with the following financial information: Ramon's Gross Income $55,000 Betsy's Gross Income $65,000 Annual Mortgage payment $20228 Annual Property Tax $4084 Annual Heat Costs $1655 Annual Condo Fees $2067 Annual Credit Card Payments $3,000 Annual Student Loan Payments $6,000 What is Ramon and Betsy's Total Debt Service Ratio including the cost of the new car with monthly payments of $350? Round your answer to the nearest two decimal places and DO NOT include any symbols or signs.