The following ratios were supplied by six loan applicants. Given this information and the credit-scoring model developed by Altman , which loans have a high probability of defaulting next year? EBIT TOTAL ASSETS SALES TOTAL ASSETS MARKET VALUE OF EQUITY BOOK VALUE OF DEBT RETAINED EARNINGS TOTAL ASSETS WORKING CAPITAL TOTAL ASSETS Applicant 1 0.2 0.2 1.2 0.3 0.5 Applicant 2 0.2 0.8 1.0 0.3 0.8 Applicant 3 0.2 0.7 0.6 0.3 0.4 Applicant 4 0.1 0.4 1.2 0.4 0.4 Applicant 5 0.3 0.7 0.5 0.4 0.7 Applicant 6 0.2 0.5 0.5 0.4 0.4