Lisa's monthly gross income is $2250. Her employer withholds $425 in federal, state, and local income taxes and $180 in Social Security taxes per month. Lisa contributes $90 per month for her IRA. Her monthly credit payments for Visa, MasterCard, and Discover cards are $60, $40, and $35, respectively. Her monthly payment on an automobile loan is $220. What is Lisa's debt payments-to-income ratio? Enter your answer as a percent rounded to two decimals.