A corporation plans to issue some short-term notes, a loan requiring the borrower to pay a specified amount plus interest within one year, and is hoping that the interest it will have to pay will not exceed 11.5%. To obtain some information about this problem, the corporation marketed 40 notes, one through each of 40 brokerage firms. The mean and standard deviation for the 40 interest rates were 10.3% and .31%, respectively. Since the corporation is interested in only an upper limit on the interest rates, find a 95% upper confidence bound for the mean interest rate that the corporation will have to pay for the notes.