id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3790	Greninger, Sue A.; Hampton, Vickie L.; Kitt, Kamd A.; Achacoso, Joseph A.	Ratios and Benchmarks for Measuring the Financial Well-Being of Families and Individuals	1996	14	.pdf	application/pdf	6117	348	54	An early application of ratios centered on analyzing busi- ness insolvency and bankruptcy (Altman, 1968) while later work focused on the develop- ment and refinement of a more comprehensive set of financial ratios and on evaluation of their effectiveness (Chen & Shimerada, 1981; Brandt, Danos, & Brasseaux, 1989; Lawder, 1989; Kimmell, 1994; Poston, Harmon, & Gramlich, 1994; Gardiner, 1995; Kane, 1995). One of the business applications of financial ratios that first interfaced with consumers involved credit approval standards including mortgage loans.	cache/fsr-3790.pdf	txt/fsr-3790.txt