5

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	40
B. Credit report	11
C. Title search	25
D. Final decision	18

With four employees, every employee can perform any activity and more than one activity. What would be the mortgage office's maximum 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