The year-end balance sheet of a hospital shows total liabilities of $4,000,000, including a bank note used to expand the facility. Net worth of the hospital at the balance sheet date is $3,000,000. What is the debt-to-net-worth ratio of the hospital? Calculate the debt-to-net-worth ratio of the hospital for the following year, assuming that operating revenues exceed operating expenses by $200,000, increasing the net worth of the business.