According to an Experian​ report, the average credit score for a​ new-car loan was 713 at the end of 2017. Suppose Ally​ Financial, a bank holding company that finances car​ loans, would like to test the hypothesis that the average credit score has increased since the Experian report. A random sample of 20​ new-car loans had an average credit score of 724.2 with a sample standard deviation of 34.5. Ally Financial would like to set α=0.05. The critical value for this hypothesis test would be​ _______. Round to three decimal places.

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