Two popular forms of mortgage are the thirty-year fixed-rate mortgage, where the borrower has thirty years to repay the loan at a constant rate, and the adjustable rate mortgage (arm), one version of which is for five years with the possibility of yearly changes in the interest rate. since the arm offers less certainty, its rates are usually lower than those of fixed-rate mortgages. test this hypothesis at the α = 0.01 level using the following sample of mortgage offerings for a loan of $250,000. do not assume the variances are equal.

Juanita and sam attend a beach party and notice that the local beach appears to have a great deal more trash washed up on shore than it did when they were young. the water doesn't appear nearly as clear, and there seems to be less evidence of small water creatures living in the shallows. an afternoon at the local library convinces them that one major cause is the new factory nearby. after some discussion, they decide their next step should be identifying the cause of the changes identifying the problem picketing the guilty factory lobbying their elected representatives to complain about the problem talking to a local environmental group about solutions