Charcavhunpramuthivarrachunzibanchalakkivonamidbarramumdelvitharhomisempulunhas received offers from two different insurance companies, and upon reviewing both policies, he claims that the return on investment of Insurance 1 is greater than or equal to the return on investment of Insurance 2. He then tried to ask a sample of 26 clients from Insurance 1, and found the average return on investment to be 48,105.79 pesos with a standard deviation of 304.62 pesos. On the other hand, 38 sample clients have been chosen from Insurance 2, which provided a mean return on investment of 49,052.81 pesos with a standard deviation of 612.73. Assuming two unequal population standard deviations, what is the critical value at 95% confidence? Round your answer to three decimal places. Do not place any unit.