A researcher believes that the average equity mutual fund underperforms the market after all fees are considered. To test his hypothesis, he samples the net afterfee returns for 100 equity mutual funds and then subtracts the market returns to find the performance relative to the market. Assuming that is the population mean performance (fund returns market returns) the hypothesis test is a

Group of answer choices

a. onetailed test, with the null hypothesis being H0: 0.

b. onetailed test, with the null hypothesis being H0: < 0.

c. twotailed test, with the null hypothesis being H0: < 0.