Why is a fractional reserve banking system necessary? economics a. to enable banks to loan out money to make a profit b. to provide the regulation of the global economy c. to enable the government to charge lower taxes d. to prevent the money supply from growing too quickly

2people are trying different phones to see which one has the better talk time. chatlong has an average of 18 hours with a standard deviation of 2 hours and talk-a-lot has an average of 20 hours with a standard deviation of 3. the two people who tested their phones both got 20 hours of use on their phones. for the z-scores i got 1 for the chatlong company and 0 for talk-a-lot. what is the percentile for each z-score?