Six months ago, you purchased 1600 shares of DEF stock on margin at $20/share. The initial and maintenance margins are 55% and 30%, respectively. Your broker charges you a 4% annual interest rate on borrowed funds. You've received a $2 dividend per share over the course of your investment. DEF trades for $14/share today. Find your current margin. Round intermediate steps and your final answer to four decimals and enter your answer in decimal format.