Subjective analysis is just that SUBJECTIVE...SOooo, basically your on your own with those thoughts which-of course-are YOUR's to OWN.....I will just hold tight read the truth for myself and realize how a buisness really works.Dont know of many that dont borrow money -in fact thats why they have the ratings system....yes even a large corp.borrows money to keep their RATING IN THAT (A) RANGE LOL'$