An analyst is comparing the values of several ratios for the current year to their prior-year values, the current industry average values, and industry average ratios for Sedgwick Company. These selected ratio values are shown in the following table. Current Year Previous Year Industry Average Current ratio 1.9 2.1 1.5 Total asset turnover 2.0 2.3 2.4 Net profit margin 5.0% 5.8% 6.5% Return on common equity 21.1% 24.1% 19.8% Debt-to-equity 80.9% 99.4% 35.7% Discuss how these ratios compare with the company's performance last year and with the industry performance