Ratio of Liabilities to Owner's Equity The following data were taken from Alvarado Company's balance sheet: Dec. 31, 2019 Dec. 31, 2018 Total liabilities $4,085,000 $2,880,000 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, 2019 Dec. 31, 2018 b. Has the creditor's risk increased or decreased from December 31, 2018, to December 31, 2019