Ratio of Liabilities to Owner's Equity

The following data were taken from McClean Companys balance sheet:

	Dec. 31, 20Y6			Dec. 31, 20Y5
Total liabilities	$4,042,000			$3,096,000
Total owner's equity	4,300,000			3,600,000

a. Compute the ratio of liabilities to owner's equity. Round your answers to two decimals.

	Ratio of Liabilities to Owner's Equity
Dec. 31, 20Y6	fill in the blank 1
Dec. 31, 20Y5	fill in the blank 2

b. Has the creditors risk increased or decreased from December 31, 20Y5, to December 31, 20Y6?