A loan officer is interested in examining the determinants of the total dollar value of residential loans made during a month. She used y = B0 + B1X1 + B2X2 + B3X3 to model the relationship, where Y is the total dollar value of residential loans in a month (in millions of dollars), X1 is the number of loans, X2 is the interest rate, and X3 is the dollar value of expenditures of the bank on advertising (in thousands of dollars). Using data from the past 24 months, she obtained the following results: Y = 5.7 + 0.189X1 - 1.3X2 + 0.08X3, Sb0= 3.2, Sb1= 0.03, Sb2= 0.062, = Sb30.17, R-square= 0.46, and adjusted R-square = 0.41. What should the null and alternative hypotheses be for testing the individual significance of B1?