The default rates for a homogenous bond portfolio in the last 15 years for a certain category of loans is 1%, 2%, 5%, 10%, 4%, 4%, 8%, 6%, 4%, 2%, 3%, 2%, 6%, 7%, 9%. Given the information, what is your estimate for the worse case default rate at 95% confidence level? What is the average default rate (corresponds to 50% probability)?