(b) The following model of household credit (CRED) on real wages (W) is estimated for the state of New South Wales (NSW) using quarterly data over a period of 20010 to 2020, log (CRED,) = 4.634 + 0.0598W, + 0.0294Wt-1 Using the following excerpt of the data, what is the predicted household credit in the third quarter of 2018? Time Real Wage index (W) 2018Q1 120.21 2018Q2 120.52 2018Q3 120.84 (4 Marks)