2

A mortgage service office has the following four activities involved in approving a loan application. Note that a working day is 8 hours and there are 60 minutes in one hour.

Activity	Time (minutes)
A. Property survey	36
B. Credit report	28
C. Title search	37
D. Final decision	38

Activities B and C are combined together and assigned to two employees, while the other two employees are responsible for activities A and D respectively. What is the mortgage office's direct labor utilization (DLU) under this setting?

Numbers only (e.g., 0.445 is acceptable, but NOT 44.5%), keep three decimals if not exact, either round up or down is ok