You go to the Whome Insurance Company for auto insurance. They charge $525.00 as a base rate for six months of insurance for your vehicle. They offer a 15% discount for safe driver habits, and a 10% discount for an excellent credit rating or 5% for a good rating. They increase the rate by 5% and 10% respectively for a fair or poor credit rating. You have a fair credit rating and qualify for the safe driver discount. How much does the insurance cost you per month?