2020	2019	Industry Average
Debt to total assets	.3%	.2%	50%
Times interest earned	2days	3days	2.5 times
Fixed charge coverage	3times	3times	2.1 times

Using the values computed above, evaluate the debt to total assets, times interest earned, and the fixed charge coverage ratios as a trend analysis (year-over-year) and when compared to the industry averages. What do these numbers tell us about the companys debt utilization for each ratio?