Research shows that many banks are unwittingly training their online customers to take risks with their passwords and other sensitive account information, leaving them more vulnerable to fraud (Yahoo.com, July 23, 2008). Researchers at the University of Michigan found design flaws in 78% of the 214 U.S. financial institution websites they studied. Is the sample evidence sufficient to conclude that more than three out of four financial institutions that offer online banking facilities are prone to fraud? Use a 5% significance level for the test.