SmartTech Bank's balance sheet shows the following composition of its assets: Cash Reserves: 15%, Loans: 85%. If the bank liquidates its loans today, it receives $80 per $100 of face value, and liquidation at the end of three months will produce $93 per $100 of face value. What is the 3-month liquidity index for the bank's asset portfolio? (Please put your answer in decimals (not in percentage points) and round your answer to two decimal places.)