Suppose that the financial ratios of a potential borrowing firm take the following values: X1= Net working capital/Total assets =0.28,X2= Retained earnings/Total assets =0.38, X3= Earnings before interest and taxes/Total assets =0.40,X4= Market value of equity / Book value of long-term debt =0.78,X5= Sales Total assets ratio =0.97. Calculate the Altman's Z-score for this firm. (Round your answer to 2 decimal pleces.) This firm falls in which category of bankruptcy risk based on its Z-score? High risk of bankruptcy Indeterminate risk of bankruptcy Low risk of bankruptcy