A new credit card company operating in Canada is investigating various market segments to determine their profitability. One of the segments of interest is that of immigrants who became permanent residents in Canada in 2022. The latest report from IRCC shows that this population amount to 431,64512 individuals and they would like to know how many of them don't use a credit card to pay for the good and services they purchase. They commission a random survey of 500 individuals in this population to investigate their usual payment practice and obtain the following summary results: cash (98); check (47); Visa (165); Master card (151) and other credit cards (39).

Question: Calculate manually an appropriate one-sided 95% confidence interval [HINT: lower bound] for the population proportion of immigrants who became permanent residents in Canada in 2022 and who use cash or checks as a payment method. Interpret the confidence interval.