Exhibit 13

Multiple Choice

Exhibit 13.6 A researcher wants to understand how annual mortgage payment (in dollars) depends on income level and zonal location using a two-way ANOVA without interaction.The data and an incomplete ANOVA table are shown below. Refer to Exhibit 13.6.At the 1% significance level,the conclusion for the hypothesis test about factor B is:

A) Do not reject the null hypothesis,the average mortgage payments differ by zonal location
B) Do not reject the null hypothesis,cannot conclude the average mortgage payments differ by zonal location
C) Reject the null hypothesis,the average mortgage payments differ by zonal location
D) Reject the null hypothesis,cannot conclude the average mortgage payments differ by zonal location