A researcher wants to understand how an 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. 
At the 5% significance level, the conclusion for the hypothesis test about factor A is ________.
Definitions:
Competitive Firm
A Competitive Firm is a company that operates in a market where it must set its price equal to the market price due to the presence of many competitors, with no single firm able to influence market conditions.
Marginal Product
The additional output generated by employing one more unit of input.
Production Functions
Mathematical representations of the relationship between a firm's inputs and its outputs.
U.S. Immigrants
People who have moved to the United States from another country to live permanently.
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