Robert Sampson owns a townhouse valued at $188,000 and still has an unpaid mortgage of $153,000. In addition to his mortgage, he has the following liabilities:

Visa	$	770
MasterCard		410
Discover card		570
Education loan		3,300
Personal bank loan		950
Auto loan		5,200
Total	$	11,200

Roberts net worth (not including his home) is about $42,000. 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.)