A researcher wants to understand how an annual mortgage payment (in dollars) depends on income level and zonal location allowing for an interaction. The data are shown below.

		Income ($) (Factor A)
		Low	Medium	High
Zonal Location (Factor B)	Downtown	25	55	60
		40	60	65
		22	5	63
		30	100	60
	Suburbs	70	75	100
		85	50	115
		74	54	108
		100	45	160
	Midtown	75	75	75
		55	70	60
		41	55	79
		40	70	65
	Uptown	5	40	59
		10	25	30
		10	40	45
		15	35	40

a. Construct a two-way (with interaction) ANOVA table for these data.

b. At the 5% significance level, can you conclude there is interaction between income and zonal location?

c. Are you able to conduct tests on the main effects? If yes, conduct these tests at the 5% significance level.