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:

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 5 18 years, between 18 to 40 years, and 2 40 years} of paying customers, are independent. "he following table summarises the observed frequencies: Method of payment Age Cash Credit card Debit card Total S18 years 5 13 14 32 between 18 to 40 18 8 4 30 years 240 years 9 3 22 34 Total 32 24 4O 96 what is the critical value if testing at d of 5%? Please give your answer correctly rounded to two decimal places