Exhibit 13.8 A market researcher is studying the spending habits of people across age groups.The amount of money spent by each individual is classified by spending category (Dining out,Shopping or Electronics) and generation (Gen-X,Gen-Y,Gen-Z or Baby Boomers) .The data and an incomplete ANOVA table are shown below. 
Refer to Exhibit 13.8.The value of MSAB is:
Definitions:
Civil Rights
The rights of citizens to political and social freedom and equality.
Voting Materials
Items and documents used in the electoral process, including ballots, voting machines, and voter registration forms.
Inflation
A general increase in prices and fall in the purchasing value of money, typically measured by the inflation rate.
Sub-Saharan Africa
The area of the African continent which lies south of the Sahara Desert, characterized by diverse cultures, languages, and ecosystems.
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