Use the following information to answer the questions:

Assets		Liabilities and Equity
Cash	12,000		Accounts payable	16,000
Marketable securities	2,000		Notes payable	6,000
Accounts receivable	5,000		Current liabilities	22,000
Inventory	44,000		Long-term debt	95,000
Current assets	63,000		Total liabilities	117,000
Machines	34,000		Paid-in capital	20,000
Real estate	80,000		Retained earnings	40,000
Net fixed assets	114,000		Equity	60,000
Total assets	177,000		Total liab. & equity	177,000

What is the total debt ratio (including all liabilities)?

What is the times-interest-earned ratio?