Geeta Mills has the following financial ratios: Working capital/total assets = 0.10 Retained earnings/total assets = 0.20 Earnings before interest and tax/total assets = 0.22 Market value of equity/book value of total liabilities = 0.60 Sales/total assets = 0.9 Calculate and interpret Altzman's Z score of Geeta Mills. Also, discuss why a credit analyst should not completely rely on the Z-score. Answer text