Xr12-150 In 2006, the average household debt service ratio for homeowners was 14.35. The household debt service ratio is the ratio of debt payments to disposable personal income. Debt payments consist of mortgage payments and payments on consumer debts. To determine whether this economic measure has increased a random sample of Americans was drawn. Can we infer from the data that the debt service ratio has increased since 2006?

(Adapted from Statistical Abstract of the United States, 2009, Table 1135.)