Why might an organization maintain more than necessary amounts of cash, accounts receivable, and inventory?

Why might another organization maintain the minimum amount of cash, accounts receivable, and inventory?

What would be the difference in risk and return for these companies?

Would it be poor management to have large accounts payable and accrual balances even if they are paid on time?

Why might an organization do this?

What is an aggressive financing approach?

Why might an organization choose to finance their working capital using an aggressive financing approach?

What is a conservative approach?

Why might another organization choose a conservative approach?

What would be the difference in risk and return for these companies?