The fair isaac corporation (fico) credit score is used by banks and other lenders to determine whether someone is a good credit risk. scores range from 300 to 850, with a score of 720 or more indicating that a person is a very good credit risk. an economist wants to determine whether the mean fico score is lower than the cutoff of 720. she finds that a random sample of 100 people had a mean fico score of 703 with a standard deviation of 92. can the economist conclude that the mean fico score is less than 720? use the α = 0.05 level of significance.