Exhibit 13

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.At the 5% significance level,the conclusion of the hypothesis test for Factor B is:

A) Do not reject the null hypothesis,cannot conclude the average amount spent differs by generation
B) Do not reject the null hypothesis,the average amount spent differs by generation
C) Reject the null hypothesis,cannot conclude the average amount spent differs by generation
D) Reject the null hypothesis,the average amount spent differs by generation