A stock analyst wants to determine whether there is a difference in the mean rate of return for three types of stock: utility, retail, and banking stocks. The following output is obtained:

a. Using the .05 level of significance, is there a difference in the mean rate of return among the three types of stock?
b. Can the analyst conclude there is a difference between the mean rates of return for utility and retail stocks? For utility and banking stocks? For banking and retail stocks?Explain.