When engaging in weight-control (fitness/fat burning) types of exercise, a person is expected to attain about 160% of their maximum heart rate. For 20-year-olds, this rate is approximately 120 bpm. A simple random sample of one hundred 20-year-olds was taken, and the sample mean was found to be 107 bpm with a standard deviation of 45 bpm. Researchers wonder if this is evidence to conclude that the expected level is actually lower than 120 bpm. A 95% Confidence Interval will have a Margin of Error of . ( round to the hundredths place)