3. DEBT MANAGEMENT OR LEVERAGE RATIOS [3 POINTS] 3.1. Define Debt-to-Assets and Liabilities-to-Assets ratios. How do these two differ from the Debt-to-Equity ratio? 3.2. Midway Realty has $240 million in total assets, $5 million in notes payable, and $25 million in long-term debt. What is the debt ratio? 3.3. Sound financial analysis involves more than just calculating and comparing ratios. What are five qualitative factors that must be considered to improve your decision-making capabilities