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 1% significance level, the critical value for the hypothesis test about factor B is ________.
Definitions:
Security Interest
A legal claim or lien on collateral that has been pledged, usually to obtain a loan, that gives the lender a right to repossession if the loan is not repaid as agreed.
Insurable Interest
The requirement that a person stands to suffer a financial loss or certain other kinds of losses if the insured event occurs.
Retains
implies holding onto or keeping in possession, often used in legal and financial contexts to describe holding onto services, rights, or properties.
Shipment Contract
An agreement between a seller and buyer where the seller is obligated to ship the goods and the buyer is obligated to accept and pay for them, under specified terms.
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