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Calculate the debt ratio, times interest earned ratio, and cash coverage ratio for 2013 and 2014 for Tyler Toys. Should any of these ratios or the change in a ratio warrant concern for the managers of Tyler Toys or the shareholders?

Tyler Toys, Inc.
Income Statement for Years Ending December 31, 2013 and 2014
	2014	2013
Revenue	$14,146,710	$13,567,542
Cost of goods sold	$-8,448,005	$-8,132,414
Selling, general, and administrative expenses	$-998,274	$-981,252
Depreciation	$-1,498,731	$-1,472,639
EBIT	$3,201,700	$2,981,237
Interest expense	$-376,251	$-354,929
Taxes	$-1,073,671	$-997,997
Net income	$1,751,778	$1,628,311

Tyler Toys, Inc.
Balance Sheet as of December 31, 2013 and 2014
ASSETS	2014	2013	LIABILITIES	2014	2013
Current assets			Current liabilities
Cash	$190,254	$186,978	Accounts payable	$1,545,081	$1,455,126
Investments	$180,213	$120,302	Short-term debt	$311,201	$332,722
Accounts receivable	$668,753	$630,280	Total current liabilities	$1,856,282	$1,787,848
Inventory	$588,270	$563,756	Long-term liabilities
Total current assets	$1,627,490	$1,501,316	Debt	$7,285,494	$6,603,736
Long-term assets			Other liabilities	$1,462,999	$1,346,570
Investments	$3,053,061	$2,828,104	Total liabilities	$10,604,775	$9,738,154
Plant, property, and equipment	$8,497,225	$8,480,732	OWNERS EQUITY
Goodwill	$347,256	$346,253	Common stock	$1,457,154	$1,454,755
Intangible assets	$1,158,532	$957,680	Retained earnings	$2,621,635	$2,921,176
			Total owners equity	$4,078,789	$4,375,931
			TOTAL LIABILITIES
TOTAL ASSETS	$14,683,564	$14,114,085	AND OWNERS EQUITY	$14,683,564	$14,114,085

What is the debt ratio for 2014?