Suppose a mutual fund qualifies as having moderate risk if the standard deviation of its monthly rate of return is < 4%. a mutual-fund rating agency randomly selects 21 months and determines the rate of return for a certain fund. the standard deviation of the rate of return is computed to be 3.46%. is there sufficient evidence to conclude that the fund has moderate risk at the α=0.01 level of significance? a normal probability plot indicates that the monthly rates of return are normally distributed. what are the correct hypotheses for this test?