text: Below is an context that describes a sql query, paired with an question that provides further information. Write an answer that appropriately completes the request.  # noqa: E501
  ### Context:
  CREATE TABLE table_name_22 (industrial_and_commercial_panel INTEGER, cultural_and_educational_panel INTEGER)
  ### Question:
  With the cultural and educational panel less than 0 what is the average industrial and commercial panel?
  ### Answer:
  SELECT AVG(industrial_and_commercial_panel) FROM table_name_22 WHERE cultural_and_educational_panel < 0