Exhibit 16

question 21

Short Answer

Exhibit 16.6.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. Refer to Exhibit 16.6.What is the sample correlation coefficient between Age and Debt?

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Definitions:

Phenylisothiocyanate

An organic compound used in the Edman degradation method for sequencing amino acids in peptides.

Bradykinin

A peptide that causes blood vessels to dilate (enlarge), resulting in a drop in blood pressure and increased pain sensitivity.

Nonapeptide

A peptide consisting of nine amino acid residues.

Edman Degradation

A method of sequencing amino acids in a peptide by stepwise removal of one amino acid at a time from the amino end of the peptide.