A retail company is implementing a new data governance framework to enhance data quality across its operations. They have identified several key metrics to monitor data quality, including accuracy, completeness, consistency, and timeliness. The company plans to use a data profiling tool to assess these metrics. If the data profiling reveals that 15% of customer records are missing email addresses, 10% of records have inconsistent phone number formats, and 5% of records are outdated, what is the overall percentage of records that are either missing email addresses or have inconsistent phone number formats? Assume that there is no overlap between the two issues.