Calculating the Debt-to-Equity Ratio.Robert owns a $140,000 townhouse and still has an unpaid mortgage of $110,000.In addition to his mortgage, he has the following liabilities:Visa $565, MasterCard $480, Discover Card $395, Educational Loan $920, Personal bank loan $800, and an Auto loan $4,250.Robert's net worth (not including his home) is about $21,000.This equity is in mutual funds, an automobile, a coin collection, furniture, and other personal property.What is Robert's debt-to-equity ratio?Has he reached the upper limit of debt obligation?Explain.