Amber Angler's fixed operating costs are $1m and its variable cost ratio 70%. The firm has $2.6m in bonds outstanding at an interest rate of 4%. Amber has 0.03m shares of preferred stock which pays a $5 dividend. Crow is in the 40% corporate income tax bracket. Forecasted sales for next year are $9m. What is Amber's degree of combined leverage? Round to two decimal places.