Consider the e-billing case. The mean and the standard deviation of the sample of n = 65 payment times are xx = 18.1077 and s = 3.9612. Test H₀: = 19.5 versus H_a: < 19.5 by setting equal to .01 and using a critical value rule and assuming approximate normality. Also, interpret the (computer calculated) p-value of .0031 for the test. (Round your "t" and "t_0.01" answers to 3 decimal places and p-value answer to 4 decimal places. Negative value should be indicated by a minus sign.)