The time it takes to pay off a $50.000 car loan follows a normal distribution with a mean of 35 months and a standard deviation of 8 months. You randomly sample 16 car loans around $50,000 that are paid off. What is the probability that the sample average is less than 30 months? a) 0.2486 b) 0.4938 c) 0.0038 d) 0.0062 e) 0.4962