Suppose that the financial ratios of a potential borrowing firm took the following values: X = Net working capital/ Total assets = .10, X = Retained earnings/Total assets = .20, X3 = Earnings before interest and taxes/Total assets = .22. X = Market value of equity/Book value of long-term debt = .60, X, = Sales/Total assets ratio = 0.9. Calculate and interpret the Altman's Z-score for this firm. (LG 20-5)