Xr12-151 Refer to Exercise 12.150. Another measure of indebtedness is the financial obligations ratio, which adds automobile lease payments, rental on tenant occupied property, homeowners insurance, and property tax payments to the debt service ratio.

In 2005, the ratio for homeowners was 17.62. Can we infer that financial obligations ratio for homeowners has increased between 2005 and 2009?

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