The following results are from data concerning the amount withdrawn from an ATM machine based on the amount of time spent at the ATM machine (SECONDS) and the gender, FEMALE (dummy variable =1 for females and =0 for males) and an interaction term, SECONDS*FEMALE Based on the regression results, when testing the bypothesis that the coefficient on SECONDS is statistically significantly different than 0 . What is the test statistic? (please express your answer using 2 decimal places)