A firm has a long$-$term debt$-$equity ratio of $0\mathrm{.}4.$ Shareholders' equity is $$0\mathrm{.}98$ million. Current assets are $$320,000,$ and the current ratio is $2\mathrm{.}0.$ The only current liabilities are notes payable. What is the total debt ratio?

Note: Round your answer to $2$ decimal places.

Total debt ratio