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	$21469
Annual Property Tax	$4924
Annual Heat Costs	$1254
Annual Condo Fees	$2006
Annual Credit Card Payments	$3,000
Annual Student Loan Payments	$6,000

What is Ramon and Betsy's Gross Debt Service Ratio? Round your answer to the nearest two decimal places and DO NOT include any symbols or signs.