The following payment period ratios, averaged, for borrowings were reported for the year 2021 by five competing biotech firms in San Diego: KLM = 0.378 NOP = 0.348 QRS = 0.421 UTV = 0.355 XYZ = 0.353 Question: Which of these five biotech firms reported the most efficient ("best") ratio for loan repayment? O Biotech firm XYZ O Biotech firm UTV O Biotech firm KLM O Biotech firm QRS O Biotech firm NOP