Exhibit 13.7 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) .An incomplete ANOVA table are shown below. 
Refer to Exhibit 13.7.For factor A,the value of the test statistic is:
Definitions:
Rate of Return
The gain or loss on an investment over a specified period, expressed as a percentage of the investment's initial cost.
End of Each Month
A recurring time period marking the completion of the last day of any month in a calendar year.
Compounded Monthly
Interest calculation method where interest accrued each month is added to the principal, and the new sum accrues additional interest.
Accumulated Amount
The total sum that results from adding together various quantities, often referring to interest added to principal over time.
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