(Use the following information for the next three questions.) A researcher is interested in comparing the usage of bank debit cards by consumers in rural (r) and urban (u) areas. Each year for the past five years, she has surveyed 500 individuals (one-half urban, one-half rural) randomly selected from across the U.S. She is specifically interested in any differences that may exist between the two groups with regard to usage. The results of the current study indicate that people in urban areas use bank debit cards 12 times per month on average ( 5d,, ), while those in rural areas use bank cards 10 times per month on average ( i'r ). 16. Which of the following is the null hypothesis that the researcher should use in comparing the usage rates? a. u: X\": X, 13- H0: XIIif: nunpr 9 HA in; xr 17. Assuming that the standard error of estimate for the difference in means is 1.5, calculate the value of the test statistic that would be used in the comparison of the two means. a. 0.75 b. 1.33 c. 1.88 d. 1.95 e. none of the above