Several more years pass, and now you're married. Your spouse and you combine to earn $250,000. Getting married means marrying into new debts - your spouse has an UNSUBSIDIZED $32,000 student loan taken at 4.04% APR and being repaid with standard repayment, as well as a $27,000 car loan payable for five years at 2.06% APR. You also need to add an extra car to the insurance policy; but since you're married your rates are lower - you have 2 policies each costing $650 semiannually. Your car loan from the first 2 parts of the problem is paid off, however. Interest rates have dropped, so you have refinanced your mortgage after paying the original loan for 3 years. Your new mortgage is for the remaining balance on the old one, plus the bank charges $9,000 to refinance and eliminates the PMI from the original mortgage. The new mortgage is for 30 years with an APR of 3.675%. All your unmentioned debts (utility bills, property tax, homeowners insurance) remain the same, other than adding $40/month to add your spouse's cell phone to your plan. Determine your D/I ratio, correct to the nearest tenth of a percent.