Let's solve this step by step:

First, let's calculate 0.8125 × 0.48 = 0.39

Next, let's calculate 1.326 ÷ 1.3 = 1.02

Now, let's substitute these values back into the equation:

$0.39-1.02$ × 2.08 + 1.25

Now, let's simplify this further:

$-0.63$ × 2.08 + 1.25

Now, let's multiply -0.63 by 2.08:

-1.3104 + 1.25

Finally, let's add these two values together:

-0.0604

Therefore, the final result is approximately -0.0604.