The owner of a store wants to examine whether method of payment (with either cash, credit card or debit card) and age group (of either ? 18 years, between 18 to 40 years, and? 40 years) of paying customers, are independent.The following table summarises the observed frequencies:

Method of payment Age Cash Credit card Debit card Total 5 18 years 3 20 8 31 between 18 to 40 45 17' 19 9 years 2 40 years 24 9 15 48 Total 44 48 32 124