At = 0.05, test to determine if the means of the three populations (from which the following samples are selected) are equal. Use both the critical and p-value approaches. 
Definitions:
Accommodation Surety
A third party who guarantees the debt or obligation of another without benefit to themselves, often to help the borrower obtain a loan.
Guarantor
An individual or entity that agrees to be responsible for another's debt or performance under a contract if the primary party does not meet their obligations.
Guaranty Contract
A legal agreement where a guarantor agrees to fulfill the financial obligations of a debtor to a lender, in case the debtor fails to do so.
Suretyship Contract
An agreement whereby a party (surety) guarantees the performance of an obligation by another party (principal) to a third party (obligee).
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Q92: Refer to Exhibit 9-1. If the test