comment and explained the Causes and effects with conclusion

\begin{tabular}{|c|c|c|c|c|} \hline \multicolumn{2}{|c|}{ Liquidity Ratios - Short Term Solvency } \\ \hline Ratio & 2018 & 2019 & 2020 \\ \hline Current Ratio & 1.12 & 1.54 & 1.36 \\ \hline Quick Ratio & 1.08 & 1.5 & 1.3 \\ \hline Cash Flow Liquidity Ratio & 0.57 & 0.95 & 0.86 \\ \hline Average Collection Period & 31.83 & 32.16 & 21.43 \\ \hline Days Inventory Held & 8.81 & 9.26 & 8.74 \\ \hline Days Payable Outstanding & 124.57 & 104.31 & 91.05 \\ \hline \end{tabular}