do you agree? what is your opinions on this statements?

2. A company's market ratio is important because it helps me decide if I should purchase now (under valued stock), or wait until a cheaper price (over valued price) based on market comparison. The market ratio reminds me of a clearance rack; I prefer to purchase from the clearance rack because I know I am getting the most bang for my buck. A company's debt ratio is important to consider because I would rather not buy stock in a company that has a high debt ratio. My personal philosophy is that debt should always be avoided unless the risk/reward has a high potential to bring in cash flow. I like to purchase stock in company's that have a similar philosophy. 3. Yes, before this course I did a lot of reading about other people's analysis on a company's performance and utilized charts like a technical trade, on a cursory level. Now I have the tools to perform an analysis of my own and I don't have to take other people's word for the company's performance and projections. 4. The health of corporate America is sad in my opinion. I feel many companies rely too heavily on debt to create cash flow. Because loan rates are at a an all-time low, many companies and even individuals are able to capitalize on this opportunity to purchase with debt at a low rate in hopes of future equities. As Judy mentioned, we are in a time where America's financial health is both good and bad. It's good because the government has cleared the way for low interest rates for all to capitalize on, but at the same time a reliance on debt isn't necessarily healthy, especially in a country that proves time and time again, they do not know how to manage debt.