Each person in a representative sample of 445 college students age 18 to 24 was classified according to age and to the response to the following question: “How often have you used a credit card to buy items knowing you wouldn’t have money to pay the bill when it arrived?” Possible responses were never, rarely, sometimes, or frequently (“Majoring in Money: How American College Students Manage Their Finances,”June 28, 2016, salliemae.newshq.businesswire.com  /sites/salliemae.newshq.businesswire.com/files /doc_library/file/SallieMae_MajoringinMoney_2016 .pdf, retrieved May 27, 2017). The responses are summarized in the accompanying table. Do these data provide evidence that there is an association between age group and the response to the question? Test the relevant hypotheses using α = 0.01.