Suppose Bank of America would like to investigate if the credit score and income level of an individual are independent of one another.Bank of America selected a random sample of 400 adults and asked them to report their credit score range and their income range.The following contingency table presents these results. 
Using α = 0.01,the critical value for this hypothesis test is ________.
Definitions:
Times Interest Earned Ratio
A financial indicator assessing a company's capacity to pay its interest costs using its earnings before interest and taxes.
Year 2
Generally refers to the second year of operation, or the second year being considered in a multi-year analysis.
Debt-to-Equity Ratio
An indicator of the relative amounts of shareholders' equity and debt financing employed to support a company's assets.
Year 2
Not applicable as a key term for a specific definition without context.
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