Testing the operating line as drawn at $75\%$ usage, plus all existing and new proposed term debt, what is Spread the Joy Organics Inc.$\text{'}$s $20$X$1$ Funded Debt to EBITDA? Use the financial analysis worksheet provided to answer this question.

$4\mathrm{.}05$

$3\mathrm{.}49$

$3\mathrm{.}94$

$4\mathrm{.}50$