Which of the following is an action company co-managers should consider as a means of improving the company's credit rating? (The financial measures used in determining company credit ratings are discussed in the Help document associated with page 5 of the Camera & Drone Journal.)

1. Withdrawing funds from the company's retained earnings account on the balance sheet and using the cash to accelerate paying off the remaining principal on 5-year and 10-year loans--this will increase the company's current ratio

2. Reducing the length of the warranty periods on action cameras and UAV drones to no more than 90 days (so as to reduce warranty costs); the savings from lower warranty costs will help improve EPS (which, in turn, will improve the company's credit rating)

3. Temporarily reducing annual dividend payments to shareholders and using the cash saved from lower dividend payments to help prepay 5-year and/or 10-year loans (so as to lower interest expenses and boost the company's interest coverage ratio)

4. Placing increased attention on expanding operations in all four geographic regions -- the resulting growth in sales and market share companywide will increase the company's market coverage and improve the company's financial standing in the eyes of creditors

5. Repurchasing shares of the company's common stock; this will lower the cash used for paying dividends, which can then be reallocated to paying down the company's bank loans and thus improving its debt-equity percentages