Procter & Gamble Colgate(CL) Kimberly Klark (KMB) 1.A.Brief background of the three firms. What industry does it operate in?  What product/service does the firm(s)provide? 2.Provide credit risk analysis for each firm based on related profitability, coverage, liquidity, and solvency ratios. From 2016 to 2020. 3.Are the firms’ financing (nonoperating) policies reasonable? 4.Any other concern/comment that you may have about the firms.