Debt analysis Springfield Bank is evaluating Creek Enterprises, which has requested a $3,550,000 loan, to assess the firm's financial leverage and financial risk. On the basis of the debt ratios for Creek, along with the industry averages and Creek's recent financial statements, evaluate and recommend appropriate action on the loan request. Creek Enterprises's debt ratio is .72. (Round to two decimal places.) Creek Enterprises's times interest earned ratio is (Round to two decimal places.) Creek Enterprises's fixed-payment coverage ratio is (Round to two decimal places.)