Using the following incomes and expenses information, calculate the total debt-to-income ratio: Employment wages: $115,000 Interest earned: $950 Dividends earned: $1,200 Mortgage payments: $38,600 Auto loan payments: $3,300 Student loan payments: $9,000 Taxes: $31,050 Utilities: $3,600 Personal savings: $12,000 Gas: $3,500 Groceries: $7,200 Entertainment: $6,000 Charitable donations: $500 Clothing: $1,500 Travel: $1,000 A. 53.69% B. 46.52% C. 39.41% D. 43.45%