Construct two versions of Table 5.4, one based on the modified block-factor model, and one based on the combined variance model that includes both. Comment on any major discrepancy or difference in conclusions based on the various models.

0 0.000 s.e. 0.00 Ratio 0.00 Diff Time in months 24 6 12 18 30 36 42 48 0.114 0.111 0.464 0.496 0.316 0.251 0.494 0.750 0.24 0.33 0.40 0.46 0.51 0.56 0.60 0.65 -0.48 0.34 1.16 1.09 0.62 0.45 0.82 1.16.