STU reported the following ratios: 
The financial leverage factors in 2010, 2011, and 2012 respectively, are (the parentheses indicate negative value) : 
Definitions:
Email Correspondence
the exchange of messages or information between people using electronic mail.
Bad-News Adjustment Letter
A written communication typically from a business to a customer, addressing a complaint and explaining the resolution or adjustment made in response to an issue.
Goodwill
The intangible asset that represents the value of a company's brand, customer relationships, reputation, and other non-physical assets.
Language Errors
Mistakes made in the use of language, including grammar, syntax, spelling, and vocabulary inaccuracies.
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