BTN 12 - 3 Katie Murphy Is preparing for a meeting with her banker . Herbusiness is finishing its fourth year of operations . In the first year , it hadnegative cash flows from operations . In the second and third years , cashflows from operations were positive . However , inventory costs rosesignificantly in year 4 , and cash flows from operations will probably bedown 25 %. Murphy wants to secure a line of credit from her banker as afinancing buffer . From experience , she knows the banker will scrutinize*operating cash flows for years I through 4 and will want a projectednumber for year 5 . Murphy knows that a steady progression upward inoperating cash flows for years I through 4 will help her case . She decidesto use her discretion as owner and considers several business actions thatwill turn her operating cash flow in year 4 from a decrease to an increase .RequiredIdentify two business actions Murphy might take to improve cashflows from operations .Comment on the ethics and possible consequences of Murphy'sdecision to pursue these actions .