The SAS System                      01:48 Thursday, February 10, 2005   1

                                                         The FREQ Procedure

                                                     Table of time by approval

                                                time      approval

                                                Frequency|
                                                Percent  |
                                                Row Pct  |
                                                Col Pct  |approve |disappro|  Total
                                                ---------+--------+--------+
                                                t1       |    944 |    656 |   1600
                                                         |  29.50 |  20.50 |  50.00
                                                         |  59.00 |  41.00 |
                                                         |  51.75 |  47.67 |
                                                ---------+--------+--------+
                                                t2       |    880 |    720 |   1600
                                                         |  27.50 |  22.50 |  50.00
                                                         |  55.00 |  45.00 |
                                                         |  48.25 |  52.33 |
                                                ---------+--------+--------+
                                                Total        1824     1376     3200
                                                            57.00    43.00   100.00


                                              Statistics for Table of time by approval

                                       Statistic                     DF       Value      Prob
                                       ------------------------------------------------------
                                       Chi-Square                     1      5.2224    0.0223
                                       Likelihood Ratio Chi-Square    1      5.2239    0.0223
                                       Continuity Adj. Chi-Square     1      5.0604    0.0245
                                       Mantel-Haenszel Chi-Square     1      5.2207    0.0223
                                       Phi Coefficient                       0.0404          
                                       Contingency Coefficient               0.0404          
                                       Cramer's V                            0.0404          


                                                        Fisher's Exact Test
                                                 ----------------------------------
                                                 Cell (1,1) Frequency (F)       944
                                                 Left-sided Pr <= F          0.9899
                                                 Right-sided Pr >= F         0.0122
                                                                                   
                                                 Table Probability (P)       0.0021
                                                 Two-sided Pr <= P           0.0245


                                                           The SAS System                      01:48 Thursday, February 10, 2005   2

                                                         The FREQ Procedure
 
                                              Statistics for Table of time by approval

                                                      Column 1 Risk Estimates
 
                                                                 (Asymptotic) 95%         (Exact) 95%
                                             Risk        ASE     Confidence Limits     Confidence Limits
                           -----------------------------------------------------------------------------
                           Row 1           0.5900     0.0123     0.5659     0.6141     0.5654     0.6142
                           Row 2           0.5500     0.0124     0.5256     0.5744     0.5252     0.5746
                           Total           0.5700     0.0088     0.5528     0.5872     0.5526     0.5872

                           Difference      0.0400     0.0175     0.0057     0.0743                      

                                                   Difference is (Row 1 - Row 2)


                                                      Column 2 Risk Estimates
 
                                                                 (Asymptotic) 95%         (Exact) 95%
                                             Risk        ASE     Confidence Limits     Confidence Limits
                           -----------------------------------------------------------------------------
                           Row 1           0.4100     0.0123     0.3859     0.4341     0.3858     0.4346
                           Row 2           0.4500     0.0124     0.4256     0.4744     0.4254     0.4748
                           Total           0.4300     0.0088     0.4128     0.4472     0.4128     0.4474

                           Difference     -0.0400     0.0175    -0.0743    -0.0057                      

                                                   Difference is (Row 1 - Row 2)

                                                         Sample Size = 3200