a) Based on your data set, is the average years of no claims ("Years.noclaims") of male drivers is significantly MORE THAN the average years of no claims ("Years.noclaims") of female drivers? Test both critical value and p-value approaches at the 8% level of significance. Note that SPSS only performs a 2-sided test. b) Based on your data set, is the relative claim frequency of the female drivers is significantly LESS THAN the relative claim frequency of the male drivers who involved in an accident? Test at the 12% level of significance. c) Provide possible reasons why you should expect to find a significant statistical difference between the genders. d) Based on your findings, should the insurance company charge higher premiums based on the gender? Explain your reasoning. Should different tests have been conducted?