The National Railway Company's total assets in a recent year were $29,011 million and its total liabilities were $13,814 million. That year, National Railway reported operating lease commitments for its locomotives, freight cars, and equipment totalling $784 million. If these assets had been recorded as capital leases, assume that assets and liabilities would have risen by approximately $784 million.

Calculate the National Railway's debt to total assets ratio, first using the figures as reported, and then after increasing assets and liabilities for the unrecorded operating leases. (Round to 0 decimal places, ie. 25.)

• Without operating leases %
• With operating leases %