Why are job security, credit history, and debt-to-income ratio so important to lenders when considering people for loans?

Ur environment is very sensitive to the amount of ozone in the upper atmosphere. the level of ozone normally found is 4.04.0 parts/million (ppm). a researcher believes that the current ozone level is not at a normal level. the mean of 2525 samples is 4.44.4 ppm with a standard deviation of 0.80.8. assume the population is normally distributed. a level of significance of 0.020.02 will be used. make the decision to reject or fail to reject the null hypothesis. answer tables