Robert Sampson owns a townhouse valued at $191,000 and still has an unpaid mortgage of $156,000. In addition to his mortgage, he has the following liabilities: Visa MasterCard Discover card Education loan Personal bank loan nato loan Total 785 440 585 3,100 500 3.500 $10.50 Robert's net worth (not including his home) is about $45,000. 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 radio b. Has he reached the upper limit of debt obligations? Yes O No