Robert owns a $$200,000$ town house and still has an unpaid mortgage of $$136,000.$ In addition to his mortgage, he has the following liabilities:

Liabilities

Visa $ $664$

MasterCard $515$

Discover card $453$

Education loan $995$

Personal bank loan $832$

Auto loan $4,440$

Total $ $7,899$

Robert$$s net worth $($not including his home$)$ is about $$25,100.$ This equity is in mutual funds, an automobile, a coin collection, furniture, and other personal property.

$($a$)$ What is Robert$$s debt$-$to$-$equity ratio? $($Round your answer to $2$ decimal places.$)$

$($b$)$ Has he reached the upper limit of debt obligations?