The report “Undergraduate Students and Credit Cards in 2004” (Nellie Mae, May 2005) included information collected from individuals in a random sample of undergraduate students in the United States. Students were classified according to region of residence and whether or not they have one or more credit cards, resulting in the accompanying two-way table. Carry out a test to determine if there is evidence that region of residence and having a credit card are not independent. Use a 5 .05.

Credit Card?

Region At Least One Credit Card No Credit Cards Northeast 401 164 Midwest 162 36 South 408 115 West 104 23