answer both

6. The single best measure of a firm's competitive viability would be: O A large and growing market share versus its competitive peers Innovative product or services which consumers highly value O A consistent track record of profitability over an extended time period O A strong balance sheet with modest leverage and surplus cash balances 7. For a new borrower, the single best way to assess management's capabilities is to review & conclude on: Past financial performance, comparing to industry peers & especially during recessions Direct face-to-face discussions about business, marketing plans and risk management O CVs re: education & experience of management team Credit bureau reports on the firm's payment habits, disputes etc