Refer to Exercise 12.164. 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 2016, the ratio for homeowners was 15.31. Can we infer that financial obligations ratio for homeowners has increased between 2016 and this year?

In exercise 12.164

In 2016, the average household debt service ratio for homeowners was 10.02. 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 2016?