INTRAK is a single-segment firm operating in the inventory tracking business. Its debt-to-assets ratio is equal to zero. You estimate that the equity beta for INTRAK is equal to 0.90. QUALTRAK operates in this same line of business, but has adopted a more aggressive financial structure, with a target debt-to-assets ratio equal to 0.40 (40%). QUALTRAK debt has zero risk of default and the debt beta is zero. Estimate the equity beta for QUALTRAK.