To complete your analysis for Chang Dental Clinic, you should:

1. Perform an analysis of the dental industry
2. Perform an analysis of the Chang Dental Clinic's corporate capabilities, including an evaluation of Chris Miller as the new potential owner.
3. Prepare and analyze a statement of cash flows for the years ending December 31, 2004, and December 31, 2005.
4. Calculate and examine key ratios for the Chang Dental Clinic for the years ending December 31, 2003, 2004 and 2005.
5. Prepare and analyze a projected income statement and balance sheet for the years ending January 30, 2007.
6. As the bank's loan officer/manager, would you provide Miller with the financing? Why and on what terms.