24. As part of an insurance company's training program, participants learn how to conduct a fast but effective analysis of clients' insurability. The goal is to have participants achieve a time less than 45 minutes. There is no minimum time, but the quality of assessment should be acceptable. Test results for three participants are as follows: Armand, mean of 38 minutes and standard deviation of 3.0 minutes; Jerry, mean of 37 minutes and standard deviation of 2.5 minutes; and Melissa, mean of 37.5 minutes and standard deviation of 2.5 minutes. Which of the participants would you judge to be capable? Explain