Louise’s monthly gross income is $3,600. Her employer withholds $720 in federal, state, and local income taxes and $288 in Social Security taxes per month. Louise contributes $144 per month for her IRA. Her monthly credit payments for Visa, MasterCard, and Discover cards are $44, $38, and $26, respectively. Her monthly payment on an automobile loan is $325. What is Louise’s debt payments-to-income ratio? Note: Enter your answer as a percent rounded to 1 decimal place.