Over time, Crosby, Inc. has seen its times interest earned (TIE) ratio decrease and its total asset turnover decrease. Which of the following could you conclude from these changes? a. Crosby's ability to pay the interest on its debt has decreased and the firm is more likely to default on its outstanding debt. b. Crosby has increased its ability to pay the interest on its debt. C. Crosby is managing its assets more efficiently. d. Crosby is doing a better job in generating revenues from its assets