21. Loans Based on past experience, a bank believes that 7% of the people who receive loans will not make payments on time. A bank auditor randomly selects 200 loans. a) What are the mean and standard deviation of the proportion of clients in this group who may not make timely payments? b) What assumptions underlie your model? Are the conditions met? Explain. c) What's the probability that over 10% of these clients will not make timely payments