Robert Sampson owns a townhouse value at $184,000 and still has an unpaid mortgage of $149,000. In addition to his mortgage, he has the following liabilities: Visa MasterCard Discover card Education loan Personal bank loan Auto loan Total $ 750 370 550 3,400 550 5,900 $11,520 Robert's net worth (not including his home) is about $38,000. 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.) Debt-to-equity ratio b. Has he reached the upper limit of debt obligations? O Yes O No