Samantha and her husband Jack both work. She earns $2,198 a month and Jack earns $4,142. Their combined student loans are $725 a month. They have a car loan with a monthly payment of $274. They moved into a new house and bought appliances and some furniture and so have installment credit; $100 to Lowe's and $250 to Home Depot. Their monthly mortgage payment is $1,241. Samantha is thinking about orthodontia which would mean a $250 bill each month to the dentist. What is the debt-to-income ratio with the dentist bill? Round to the nearest 1%.