The balance sheet for Shaver Corporation reported the following: cash, $7,000; short-term investments, $12,000; net accounts receivable, $39,000; inventory, $44,000; prepaids, $12,000; equipment, $116,000; current liabilities, $44,000; notes payable (long-term), $74,000; total stockholders equity, $130,000; net income, $3,720; interest expense, $5,200; income before income taxes, $6,480. Compute Shavers debt-to-assets ratio and times interest earned ratio.