A company has paid dividends in excess of its reported profits for the past two years and requests a term loan from its bank. Which of the following company attributes are the most important for the bank to analyze? I. The company's ability to efficiently manage the collection of its receivables II. The value of assets available as collateral III. The company's ability to stretch its accounts payable IV. The amount of leverage before considering a new term loan I \& III II \& IV II \& III I, II, III, \& IV