Jada, age $48,$ earns $$65,000$ per year from her employer with a total payroll tax rate of $7\mathrm{.}65\%.$ Jada saves $$15,000$ per year for retirement and pays $$12,000$ per year for her home mortgage. Given this information and considering that Jada will have eliminated her mortgage debt before retirement, what is Jada's expected wage replacement ratio during retirement?

A$.50\mathrm{.}81\%.$

B$.58\mathrm{.}46\%.$

c$.73\mathrm{.}89\%.$

D$.43\mathrm{.}16\%.$