Calculate the heat-removal factor for a collector having an overall heat loss coefficient of 6 W/m2 K and constructed of aluminum fins and tubes. Tube-to-tube centered distance is 15 cm, fin thickness is 0.05 cm, tube diameter is 1.2 cm, and fluid tube heat-transfer coefficient is 1200 W/m2 K. The cover transmittance to solar radiation is 0.9 and is independent of direction. The solar absorptance of the absorber plate is 0.9, the collector is 1 m wide and 3 m long, and the water flow rate is 0.02 kg/s. The water temperature is 330 K.