You purchased a property six years ago for $350,000 with a 5/1 Hybrid Mortgage fully amortizing 30-year mortgage with a 4% initial contract interest rate. Your margin is 1.0%. At the first reset date, the reference index was at 5%. You made a down payment of $40,000. Since purchase, your property has appreciated in value by 4% annually. You have made all of your mortgage payments on time. What is your current loan to value ratio (i.e. at the end of year 6)? Round your answer to two decimal places.