Robert Sampson owns a townhouse valued at $177,000 and still has an unpaid mortgage of $142,000. In addition to his mortgage, he has the following liabilities: Visa $ 715 MasterCard 300 Discover card 515 Education loan 3,000 Personal bank loan 500 Auto loan 5,200 Total $ 10,230 Roberts net worth (not including his home) is about $31,000. This equity is in mutual funds, an automobile, a coin collection, furniture, and other personal property.

What is Roberts debt-to-equity ratio? (Round your answer to 2 decimal places.)