1. According to CardWeb, consumers in the United States owed an average of $7868 on their credit cards in 2004 (USA TODAY, July 1,2005). Suppose the shape of the probability distribution of the current credit card debts of all consumers in the United States is unknown but its mean is $ 7868 and the standard deviation is $2160. Suppose we take a random sample of 81 U.S. consumers.

1. What is the probability that the mean of the current credit card debts for this sample is within $440 of the population mean?
2. What is the probability that the mean of the current credit card debts for this sample is lower than the population mean by $320 or more?