All else constant, which of the following transactions will decrease the debt ratio (i.e., total debt / total assets), assuming that the current debt ratio of the company is 60 percent? 1) Accounts receivable are collected and deposited into the firm's checking account. 2) Cash is used to pay off accounts payable. 3) Long term debt is issued to finance the purchase of inventory. 4) Fixed assets are sold for cash and the cash is deposited into the firm's checking account. 5) A new short-term bank loan is used to pay down the company's accounts payable balance