Olivia Muller owns an electronics firm in Toronto, Canada. She has told you that she had some cash-flow problems recently but avoided borrowing money by letting some of her firm’s bills run late. When you raised your eyebrows in response to hearing these comments, Olivia said, “Don’t worry. I am not nervous about this situation because I have some large orders coming in soon. I’ll use the cash from these orders to catch up on my bills.” Is this a sound strategy for her to follow?  What are the downsides with how Olivia is approaching her cash-flow issues?