You have an annual income of $163,000. You are going to borrow some money to purchase a new house. The monthly mortgage payment is $2,100. Property taxes are $250 per month. The monthly heating costs are $190 per month. You have student loan payments of $390 per month. You also have credit card payments of $390 per month.

What is your Gross Debt Service Ratio (GDS)? Your answer should be shown as a percentage and it should be accurate to two decimal places.