TABLE 9: IMPOSE NOTIFICATION SAFEGUARDS BEFORE CREATING OR FORECLOSING A LIEN ON A HOA RESIDENCE
KEY FINDINGS:   1    Overall 95.6% of respondents want safeguards against instituting or foreclosing a lien on a HOA residence without ample notice. 
2   Boldfaced values in the rows of column YESes and Noes differ significantly from the overall average as they are at least 3 standard deviations away from that value.  The disparities are notable within 
            all respondent traits.
3   The percentage YES and NO responses of the all Non-owner Interest groups are statistically significantly different from the corresponding ones of Owners and Overall figures.  This is one of two
             instances where one of the 14 issues garnered a negative response; 58.3% of C.A.M.s were opposed and, correspondingly, only 41.7% were in favor.  However, given the few C.A.M.s 
             participating, readers must take care not to overstate the importance of this result. 
4   Some percentage YES and NO responses in the Gender, CCFJ Membership, Region and Additional Remarks Made sections differ significantly from the Overall figures as well as those for Owners.
5   The YES and NO percentage responses of CCFJ members differ significantly from one another as well as from those Overall.
6   Only respondents in the Interest section show a causal relationship with their YES or NO votes on this issue.
 * * * * * * * * * * * *  * * * * * * * *   INTEREST   * * * * * * * * * * *   * * * * * * * * * * * * * * * *  REGION [8]  * * * * * * * * * * ADDITIONAL REMARKS  MADE * * 
BOARD * * * GENDER [5] * * *  CCFJ MEMBER [7] WEST EAST PRIORITY COMMENT
OVERALL OWNER MEMBER [1] LAWYER C.A.M. [2] OTHER [3] N.A. [4] MALE FEMALE D.K. [6] YES NO NORTH CENTRAL COAST COAST SOUTH ONLY ONLY BOTH NEITHER
OVERALL TOTALS 1033 740 130 7 13 8 135 584 389 60 196 837 35 202 156 137 503   176 131 418 308
% WITHIN CATEGORY 100.0% 71.6% 12.6% 0.7% 1.3% 0.8% 13.1%   56.5% 37.7% 5.8% 19.0% 81.0% 3.4% 19.6% 15.1% 13.3% 48.7%   17.0% 12.7% 40.5% 29.8%
ADJUSTED # [9] 1026 737 130 7 12 8 132 584 387 55 196 830 34 202 155 134 501 175 131 416 304
# OF YESes 981 718 117 6 5 7 128 555 375 51 193 788 32 194 152 131 472 171 124 399 287
# OF NOs 45 19 13 1 7 1 4   29 12 4 3 42 2 8 3 3 29   4 7 17 17
COLUMN % YES [10] 95.6% 97.4% 90.0% 85.7% 41.7% 87.5% 97.0% 95.0% 96.9% 92.7% 98.5% 94.9% 94.1% 96.0% 98.1% 97.8% 94.2% 97.7% 94.7% 95.9% 94.4%
t-Test on % YESes [11] 2.8 -8.8 -15.5 -84.3 -12.7 2.1 -0.9 2.0 -4.5 4.5 -1.1 -2.3 0.7 3.8 3.4 -2.2 3.3 -1.5 0.5 -1.9
COLUMN % NO [10] 4.4% 2.6% 10.0% 14.3% 58.3% 12.5% 3.0% 5.0% 3.1% 7.3% 1.5% 5.1% 5.9% 4.0% 1.9% 2.2% 5.8% 2.3% 5.3% 4.1% 5.6%
t-Test on % NOes [11] -2.8 8.8 15.5 84.3 12.7 -2.1 0.9 -2.0 4.5 -4.5 1.1 2.3 -0.7 -3.8 -3.4 2.2 -3.3 1.5 -0.5 1.9
1 STD. DEVIATION [12] 0.6%
% YESes Row [10] 100.0% 73.2% 11.9% 0.6% 0.5% 0.7% 13.0% 56.6% 38.2% 5.2% 19.7% 80.3% 3.3% 19.8% 15.5% 13.4% 48.1% 17.4% 12.6% 40.7% 29.3%
% NOs Row [10] 100.0% 42.2% 28.9% 2.2% 15.6% 2.2% 8.9% 64.4% 26.7% 8.9% 6.7% 93.3% 4.4% 17.8% 6.7% 6.7% 64.4% 8.9% 15.6% 37.8% 37.8%
Calculated Chi-Squared Value [13]: 0.2807X10^-6   [14] 0.2138 0.0300 0.0216 0.3517
Implication of Chi-Squared Test RELATIONSHIP FOUND INDEPENDENT INDEPENDENT INDEPENDENT INDEPENDENT
2 ROWS X 3 COLUMNS 2 ROWS X 3 COLUMNS
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