7) Go to the St. Louis Federal Reserve FRED database and find data on net worth of households (BOGZ1FL192090005Q) and the net percentage of domestic banks tightening standards for auto loans. (STDSAUTO). Adjust the units setting for the net worth indicator to "Percent Change from Year Ago" and download the data into a spreadsheet.

a) Calculate the average, over the most recent four quarters and the four quarters prior to that, for the bank standards indicator and the "percent change in net worth" indicator. Do these averages behave as you would expect?