You recently were hired by First Vigilant Bank as the assistant loan officer. Your job description includes evaluating and recommending approval of commercial, real estate, or credit loans. During your first week on the job, the senior loan officer asks you for a second opinion on a loan application from cTek Corporation, a provider of technology products and services for business, government, and education. One reason for your bosss request is a discrepancy between the recent debt levels of cTek and those that existed when the company last made a loan request a few years ago. To assist you in your analysis, you have created a Tableau Dashboard depicting trends in risk and profitability ratios for the most recent ten years. Drawing from the data available, assess the following: