The following data were taken from Alvarado Company's balance sheet: Dec. 31, 20Y4 Dec. 31, 20Y3 Total liabilities Total stockholders' equity $3,690,000 4,100,000 $2,880,000 3,600,000 a. Compute the ratio of liabilities to stockholders' equity for each year. Round your answers to 2 decimal places. Dec. 31, 2014 Dec. 31, 20Y3 b. Has the creditor's risk increased or decreased from December 31, 20Y3, to December 31, 20Y4?