The Digital company's value of outstanding equity is USD 400 million, and you have estimated its beta to be 1.3. Digital has four-year zero-coupon debt outstanding with a face value of USD 100 million that currently trades for USD 80 million. The firm pays no dividends and reinvests all of its earnings. The risk-free rate of interest is currently 5.00% and is continuously compounded while the standard deviation of the return on firm's assets is equal to 0.55. From the standard normal distribution table, please use the 4-digit value. Using the Black-Scholes formula, the estimated unlevered beta of the firm is closest to?