What type of phase change does the following figure best describe? 
Definitions:
Tax Saving
Strategies or investments that reduce the amount of tax owed by taking advantage of allowable deductions, credits, or exemptions.
Optimal Capital Structure
The best combination of debt and equity financing that maximizes a company's value while minimizing its cost of capital.
Debt Levels
The total amount of borrowing, represented as a ratio of debt to equity or a total dollar amount.
Excessive Risk
Engaging in financial activities that have a high chance of resulting in significant loss.
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