the latest report on Garden State revealed a number of adverse trends and several potentially serious problems (see Tables 1 though 6 for Garden Statements)Particularly disturbing were the 2006 current,quick,and debt ratios, all of which failed to meet the contractual limits of 2.0,1.0, and 55 percent,respectively.Technically,the bank had a legal right to call all the loans it had extended to Garden State for immediate repayment and, if the loans were not repaid within ten days, to force the company into bankruptcy