Thirty employed single individuals were randomly selected to examine the relationship between their age (Age) and their credit card debt (Debt) expressed as a percentage of their annual income. Three polynomial models were applied and the following table summarizes Excel's regression results. 
What is the value of the test statistic for testing H0: β2 = β3 = 0 against HA: β2 ≠ 0 or β3 ≠ 0 in the model Debt = β0 + β1Age + β2Age2+ β3Age3 + ε?
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