A credit score is a numerical value between 300 and 850 that measures a person’s creditworthiness. The following table shows the credit scores for randomly selected individuals from Texas, Pennsylvania, California, and Florida, who are grouped according to their ages. These data can also be found in the file credit scores.xlsx.

State TX PA CA FL 20–39 years old 619 736 663 681 671 607 506 632 614 727 717 713 517 794 574 620 40–59 years old 691 775 708 574 700 645 728 697 641 767 666 677 639 669 716 629 60 years old 766 743 756 765 663 737 675 698 672 718 696 795 661 788 692 730

a. Using a = 0.05, is there significant interaction between the state and age of the individual?

b. Using a two-way ANOVA and a = 0.05, does the state have an effect on the person’s credit score?

c. Using a two-way ANOVA and a = 0.05, does the age group of the individual have an effect on their credit score?

d. If warranted, determine which means are significantly different using a = 0.05.

e. Construct an interaction plot for the state and the age group.AppendixLO1