A recent paper of mine looks at the relationship between retirement savings at age 30 and student loan debt at age 25.  Four observations from the data are below. All numbers are being expressed in thousands of dollars (e.g., 30 means $30 thousand).

ID	Retirement Savings, Age 30	Student Loan Debt, Age 25
1	25	22
2	45	15
3	24	18
4	18	27

You have the null hypothesis that retirement savings average $25 thousand dollars per year. What is your t-stat for a test of this hypothesis against the alternative that the average is greater than 25 thousand? Express the answer rounded to two digits.