You have an annual income of $101,000. You are going to borrow some money to purchase a new house. The monthly mortgage payment is $2,900. Property taxes are $350 per month. The monthly heating costs are $210 per month. You have student loan payments of $450 per month. You also have credit card payments of $270 per month. What is your Total Debt Service Ratio (TDS)? Your answer should be shown as a percentage and it should be accurate to two decimal places