A loan officer compares the interest rates for 48-month fixed-rate auto loans and 48-month variable-rate auto loans. Two independent, random samples of auto loan rates are selected. A sample of five 48-month variable-rate auto loans had the following loan rates: 2.6% 3.07% 2.872% 3.24% 3.15% while a sample of five 48-month fixed-rate auto loans had loan rates as follows: 4.032% 3.85% 4.385% 3.75% 4.16%