Why would a low debt ratio indicate that the company is a good candidate for being able to repay a loan? What existing debt ratio (between 0% and 100%) would make you nervous when considering loaning a small business even more money?In your opinion, is this "threat" real, recognizing that "reality" may be perceived as much as it is objective? Is curbing or restricting union "power" an effective strategy for dealing with budget deficits? As political administrations change at the highest level of our federal government every 4 or 8 years, why has there been so much attention given to the issue of unions for many years