If you decide to use randomized block ANOVA and fail to reject the null hypothesis for the main factor, you should perform a one-way ANOVA to be sure the blocking factor is not covering up the difference in population means for the main factor

The availability of funds for real estate mortgage loans is affected by the Federal Reserve System through which of the following?

A) Discount rates B) Federal National Mortgage Association C) Federal Housing Administration D) Resolution Trust Corporation

________ tend to include people who are the most influential in their communities, have high social status, and are in favorable financial positions?

A) Innovators B) Early adopters C) Late majority D) Laggards