Line Item DescriptionDec. $31,20$Y$4$Dec. $31,20$Y$3$Total liabilities$$3,895,000$$$2,240,000$Total stockholders$$ equity$4,100,0003,200,000$

a$.$ Compute the ratio of liabilities to stockholders$$ equity for each year. Round your answers to $2$ decimal places.

Dec. $31,20$Y$4$ fill in the blank $1$ of $2$

Dec. $31,20$Y$3$ fill in the blank $2$ of $2$

b$.$ Has the creditor$$s risk increased or decreased from December $31,20$Y$3,$ to December $31,20$Y$4?$