The a and Abeni need to replace Reza's car. But with the furniture and appliance payments, the credit card bills, and Abeni's car payment, they are uncertain if they can afford another payment. month auto$-$financing representative has asked, "What size payments are you thinking of$?"$ Current payments $($excluding the potential cost of Reza's car$)$ total $$386$ of their $$2,640$ combined limit and then "stretching" it to a $20$ percent limit$.$

The debt limit ratio is

$\%.($Round to two decimal places.$)$