\[\frac{\frac{1^{\backslash 13}}{40} - \frac{1^{\backslash 8}}{65}}{\frac{1}{78}} = \frac{13 - 8}{520} \cdot 78 =\]
\[= \frac{5 \cdot 78}{5 \cdot 104} = \frac{3}{4} = 0,75.\]