b$.$ Which of the ratios reported in the industry norms do you feel should be most crucial in determining whether the bank should extend the line of credit? $($Select all the choices that apply.$)$

A$.$ Debt management ratios such as debt ratio and times interest earned ratio.

B$.$ Profitability ratios such as return on equity and operating profit margin.

C$.$ Liquidity rattios such as current ratio and acid$-$test ratio.

D$.$ Market value ratios such as price to earnings ratio and price to book value ratio.

E$.$ Asset management ratios such as total asset turnover and fixed asset turnover.