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21. A study by the Massachusetts Community & Banking Council found that blacks, and, to a lesser extent, Latinos, remain largely unable to borrow money at the same interest rate as whites (The Boston Globe, February 28, 2008). The following contingency table shows representative data for the city of Boston, cross-classified by race and type of interest rate received: Type of Interest Rate on Loan Race High Interest Rate Low Interest Rate Black 553 480 Latino 265 324 White 491 3,701 At the 5% significance level, do the data indicate that the interest rate received on a loan is dependent on race? Provide the details