Appraise the long-term solvency ratios as given in the table over the last three years in words. The presentation of your answer should be well-organized, impactful.

The long-term solvency ratios are as follow:

                   

Long-term solvency ratios	For the Fiscal Period Ending Dec-31-2020	For the Fiscal Period Ending Dec-31-2021	For the Fiscal Period Ending Dec-31-2022
Total Debt Ratio	0.72 times	0.64 times	0.57 times
Debt/Equity Ratio	2.55 times	1.81 times	1.32 times
Equity Multiplier	3.55 times	2.81 times	2.32 times
Times Interest Earned	5.97 times	8.09 times	7.88 times

What is the net value income of above points?