Beau has an annual adjusted gross income of $89,750. He is applying for a mortgage loan that would have a monthly payment of $1,025. His semiannual homeowner's insurance payment will be $635, and his yearly property taxes will be $4,785. Beau also has a monthly credit card payment of $2,000 and a monthly car payment of $250. Using the formula, determine Beau's front-end ratio to the nearest percentage. front-end ratio =