Lucy is considering a 5/1 ARM. What does the 5 represent?
OA. Her monthly payment
B. The total number of years of the loan
C. The number of years between adjustments in the interest rate
D. The number of years the fixed interest rate will be applied to the
loan

Answer:

  1/5⁴ = 1/625

Step-by-step explanation:

You want the simplified form of 5⁴÷5⁸.

The relevant rules of exponents are ...

  (a^b)/(a^c) = a^(b-c)

  a^-b = 1/a^b

The given expression simplifies to ...

  [tex]5^4\div 5^8=\dfrac{5^4}{5^8}=5^{4-8}=\boxed{5^{-4}=\dfrac{1}{5^4}=\dfrac{1}{625}}[/tex]

__

Additional comment

The exponential forms of the expression are equivalent. You need to decide which one your grader is looking for (or which is among your answer choices). The value of the expression is also shown. You don't need to know anything about exponents in order to evaluate the expression using a calculator.

An exponent indicates the number of times the base is a factor:

  5⁴ = 5·5·5·5 . . . . . . 5 is a factor 4 times

The usual rules of multiplication and division apply, so the given expression represents the division ...

  [tex]\dfrac{5\cdot5\cdot5\cdot5}{5\cdot5\cdot5\cdot5\cdot5\cdot5\cdot5\cdot5}=\dfrac{1}{5\cdot5\cdot5\cdot5}=\dfrac{1}{5^4}[/tex]

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One side of the tower is 19.5 meters long.The cost of covering the tower's outside walls with plants would be around €1,530,750.

(i) The measurements of the square base must be determined in order to estimate the length of one side of the tower.

The formula for calculating the volume of a rectangular box is:

Volume equals length, breadth, and height.

We may assume that the length and breadth of the base are identical since the tower is in the shape of a rectangular box with a square foundation. Let's call this value "s."

Given:

Volume = 45,000 m³

Height = 118 m

Using the formula for volume, we can write:

45,000 = s × s × 118

Simplifying the equation, we have:

45,000 = 118s²

Dividing both sides by 118:

s² = 381.36

To calculate the length of one side, take the square root of both sides: s 381.36 19.5 meters (rounded to one decimal place)

As a result, one side of the tower is believed to be 19.5 meters long.

(ii) To calculate the cost of covering the tower's outer walls with plants, we must first determine the surface area of the four sides.

The formula for calculating the surface area of a rectangular box is:

2lw + 2lh + 2wh = 2lw + 2lh + 2wh

Because the tower has a square base, the length (l) and breadth (w) are identical in this example, hence we may apply the formula:

Surface Area = 4s² + 2sh

Given:

Side length (s) ≈ 19.5 meters

Height (h) = 118 meters

Cost per square meter (planting) = €250

Calculating the surface area:

Surface Area = 4(19.5)² + 2(19.5)(118)

Surface Area ≈ 4(380.25) + 2(2301)

Surface Area ≈ 1521 + 4602

Surface Area ≈ 6123 square meters

We multiply the surface area by the cost per square meter to get the cost of covering the outside sides with plants:

Surface Area Cost per Square Meter = Cost

Cost = 6123 × €250

Cost ≈ €1,530,750

As a result, covering the outside walls of the skyscraper with plants would cost around €1,530,750.

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Answer:

x = - 3 , x = 5

Step-by-step explanation:

using the rule of logarithms

[tex]log_{b}[/tex] x = n ⇒ x = [tex]b^{n}[/tex]

given

[tex]log_{2}[/tex] (x² - 2x + 1) = 4

x² - 2x + 1 = [tex]2^{4}[/tex] = 16 ( subtract 16 from both sides )

x² - 2x - 15 = 0 ← in standard form

(x - 5)(x + 3) = 0 ← in factored form

equate each factor to zero and solve for x

x + 3 = 0 ⇒ x = - 3

x - 5 = 0 ⇒ x = 5

Newton's method formula is: xn+1 = xn - f(xn)/f'(xn).

Newton's method is an iterative numerical method used to find the root of a function. The formula for Newton's method is xn+1 = xn - f(xn)/f'(xn), where xn represents the current approximation, f(xn) is the function evaluated at xn, and f'(xn) is the derivative of the function evaluated at xn.

For the given function f(x) = x² - 4x - 45 and the initial approximation x0 = 7, we can apply Newton's method as follows:

Compute f(x0) = f(7) = 7² - 4(7) - 45 = -11.

Compute f'(x0) = 2x0 - 4 = 2(7) - 4 = 10.

Substitute the values into the Newton's method formula: x1 = x0 - f(x0)/f'(x0) = 7 - (-11)/10 = 8.1.

Repeat steps 1 to 3 with x1 as the new approximation to get x2, x3, and so on until the desired accuracy is achieved.

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Answer:

s = 11

Step-by-step explanation:

We can subtract the two equations to find "s" since both contain "3t":

[tex]5s+3t=30\\2s+3t=-3\\\\5s-2s=30-(-3)\\3s=33\\s=11[/tex]

The graph of f(x) = 4x^2 is shifted 5 units to the left to obtain the graph of g(x).

To shift a function 5 units to the left, we replace x with (x + 5) in the original function.

Comparing the options given:

a) g(x) = 4x^2 + 5

This equation represents a vertical shift upwards by 5 units, not a shift to the left.

b) g(x) = 4(x − 5)^2

This equation represents a shift to the right by 5 units, not a shift to the left.

c) g(x) = 4x^2 − 5

This equation represents a vertical shift downwards by 5 units, not a shift to the left.

d) g(x) = 4(x + 5)^2

This equation represents a shift to the left by 5 units, as required.

Therefore, the equation that best describes g(x) when the graph of f(x) = 4x^2 is shifted 5 units to the left is:

d) g(x) = 4(x + 5)^2

1 is the missing exponent in the equation

The given expression is 14=14ˣ

Forteen equal to forteen power x

We have to find the value of x which is the missing exponent

When x is equal to one then 14 will be equal to 14

14=14¹

Which means x is equal to one

Hence, 1 is the missing exponent in the equation

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the next vector U3 in the Gram-Schmidt process is U3 = (-2/sqrt(113), 10/sqrt(113), -3/sqrt(113)).

To perform the next step in the Gram-Schmidt algorithm and turn vector V into a unit vector U3 orthogonal to both U1 and U2, we follow these steps:

Subtract the projection of V onto U1:

U3 = V - proj(U1, V)

The projection of V onto U1 can be calculated as follows:

proj(U1, V) = (V · U1) / (U1 · U1) * U1

Here, "·" denotes the dot product.

Normalize U3 to obtain a unit vector:

U3 = U3 / ||U3||

Let's calculate each step:

Subtract the projection of V onto U1:

proj(U1, V) = (V · U1) / (U1 · U1) * U1

First, calculate the dot product:

V · U1 = (-2)(1/3) + (10)(1/3) + (-3)(1/3) = 0

Next, calculate the norm squared of U1:

U1 · U1 = (1/3)(1/3) + (1/3)(1/3) + (1/3)(1/3) = 1/3

Now, calculate the projection:

proj(U1, V) = (0) / (1/3) * U1 = 0

Subtract the projection from V:

U3 = V - proj(U1, V) = (-2, 10, -3) - (0) = (-2, 10, -3)

Normalize U3 to obtain a unit vector:

||U3|| = sqrt((-2)^2 + 10^2 + (-3)^2) = sqrt(4 + 100 + 9) = sqrt(113)

Divide U3 by its norm:

U3 = (-2/sqrt(113), 10/sqrt(113), -3/sqrt(113))

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Let's denote the speed of the plane as P and the wind velocity as W.

When flying with the wind, the effective speed of the plane is increased by the wind velocity, so we can set up the equation:

P + W = 888/4

Simplifying this equation gives:

P + W = 222 (Equation 1)

On the return trip, flying against the wind, the effective speed of the plane is decreased by the wind velocity, so we have the equation:

P - W = 520/4

Simplifying this equation gives:

P - W = 130 (Equation 2)

We now have a system of two equations (Equations 1 and 2) that we can solve simultaneously to find the values of P and W.

To solve the system, we can add Equation 1 and Equation 2:

(P + W) + (P - W) = 222 + 130

Simplifying this equation gives:

2P = 352

Dividing both sides by 2:

P = 176

Now that we have the value of P, we can substitute it back into Equation 1 or Equation 2 to solve for W. Let's use Equation 1:

176 + W = 222

W = 222 - 176

W = 46

Therefore, the speed of the plane is 176 mph and the wind velocity is 46 mph.

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Based on the exponential decay equation, the value of the new car purchased for $17,900 that depreciates at 12.25% per year after 10 years is $4,845.34.

An exponential decay equation is one of the two exponential functions, the other being an exponential growth equation or function.

An exponential decay equation is written in the form of y = abˣ, where y is the ending value after time x (the exponent), a is the initial value, and b is the decay factor.

The cost of the new car to be purchased = $17,900

The annual depreciating rate = 12.25%

The depreciation period = 10 years

Let the value of the car after 10 years = y

Decreasing or decay factor = 0.8775 (1 - 0.1225)

y = 17,900(0.8775)¹⁰

y = 4845.34

y = $4,845.34

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The given statement, "Symmetry is when a feature or group of features are dimensioned with a nominal offset to one side of a centerline or center plane" is false as symmetry does not involve a nominal offset to one side of a centerline or center plane. It involves achieving balance and similarity between corresponding features on either side of the centerline or center plane.

Symmetry in a feature or group of features means that they exhibit a balanced arrangement around a centerline or center plane. This balance can be achieved in different ways, such as having identical dimensions on both sides of the centerline or center plane or having dimensions that are proportionally balanced.

When a feature or group of features is symmetrical, it means that if you were to fold or mirror the object along the centerline or center plane, the two halves would match or be similar. In other words, there is a correspondence between the features on one side and their counterparts on the other side.

In contrast, an offset feature or group of features would not be considered symmetrical. An offset implies that the feature or group of features is intentionally shifted or displaced from the centerline or center plane, which breaks the symmetry.

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The solution to the integral equation is [tex]y(t) = 2e^(^4^t^) - 2e^(^-^2^t^).[/tex]

To solve the given integral equation using Laplace transforms, we will follow these steps:

Taking the Laplace transform of both sides of the equation, we have: L[y(t)] - 16L[∫₀ᵗ (t-v)y(v) dv] = 8L[t]

Let Y(s) = L[y(t)] and F(s) = L[t], where s is the Laplace variable.

After applying the Laplace transform, we get: [tex]Y(s) - 16[1/(s^2)]Y(s) = 8[1/s][/tex]

Simplifying the equation, we have: [tex]Y(s) - (16/s^2)Y(s) = 8/s[/tex]

Multiplying through by[tex]s^2[/tex]to eliminate the fraction, we have: [tex]s^2Y(s) - 16Y(s) = 8[/tex]

Rearranging the equation, we get: [tex]s^2Y(s) - 16Y(s) - 8 = 0[/tex]

To solve the quadratic equation, we factor it: (s - 4)(s + 2)Y(s) = 8

Dividing both sides by (s - 4)(s + 2), we get: Y(s) = 8 / ((s - 4)(s + 2))

Now, we need to apply the inverse Laplace transform to find y(t) from Y(s). Using partial fraction decomposition, we can write Y(s) as: Y(s) = A / (s - 4) + B / (s + 2)

Solving for A and B by equating the numerators, we get: A = 2, B = -2

Substituting these values back into the equation for Y(s), we have: Y(s) = 2 / (s - 4) - 2 / (s + 2)

Taking the inverse Laplace transform, we can write y(t) as: [tex]y(t) = 2e^(^4^t^) - 2e^(^-^2^t^)[/tex]

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That's wrong. Bloemfontein and Upington are cities in South Africa that are quite far apart, and the distance between them is much greater than 163.8 km. In reality, the distance from Bloemfontein to Upington is approximately 687 km by road. It's important to ensure the accuracy of information when discussing distances between locations.

When a group of individuals selects a particular consumer-submitted entry, it is called a "winner." However, if the selection process is part of a marketing promotion, it could be classified as a sample, premium, contest, or sweepstake depending on the specific rules and regulations.  The correct option is A.

Generally speaking, a sample refers to a small portion of a product or service that is given away for free, a premium is a bonus item or incentive offered with a purchase, a contest involves a skill-based competition with a predetermined set of rules and criteria, and a sweepstake is a random drawing with no purchase necessary. A contest is an event where a group of individuals selects a particular consumer-submitted entry as the winner. This often involves participants submitting entries that showcase their skills, creativity, or other qualities.

The entries are then judged by a panel or group, who choose the winning submission based on predetermined criteria. In contrast, a sweepstake is a promotional event where winners are chosen randomly from all eligible entries, rather than being judged on the merits of their submission. A sample, on the other hand, typically refers to a small portion of a product provided for free to potential customers. Lastly, a premium is a reward offered to customers for making a purchase or participating in a promotion.

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The statement is false. If f and g are continuous on [a, b], it does not imply that ∫[a to b] (f(x) × g(x)) dx = ∫[a to b] f(x) dx × ∫[a to b] g(x) dx

In general, the integral of the product of two functions, f(x) and g(x), is not equal to the product of their individual integrals.

To counter the statement, we can provide a counterexample. Consider two continuous functions, f(x) = x and g(x) = x, defined on the interval [0, 1]. The integral of their product, ∫[0 to 1] (f(x) * g(x)) dx, is equal to ∫[0 to 1] (x × x) dx = ∫[0 to 1] [tex]x^{2}[/tex] dx = 1/3.

On the other hand, the individual integrals of f(x) and g(x) are ∫[0 to 1] f(x) dx = ∫[0 to 1] x dx = 1/2 and ∫[0 to 1] g(x) dx = ∫[0 to 1] x dx = 1/2, respectively. The product of these individual integrals, (1/2) × (1/2) = 1/4, is not equal to the integral of the product.

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60% (Percentage)of the students in the group do not Travel to school by car.

The percentage of students who do not travel to school by car,  to know the total number of students in the group and the number of students who do not travel by car.

the total number of students in the group is 100 for the sake of calculation. This number can be adjusted based on the specific group size mentioned in your question.Suppose out of these 100 students, 40 students travel to school by car. To find the percentage of students who do not travel by car, we subtract the number of students who travel by car from the total number of students and then calculate the percentage.

Number of students who do not travel by car = Total number of students - Number of students who travel by car = 100 - 40 = 60.

The percentage, we divide the number of students who do not travel by car by the total number of students and multiply by 100:

Percentage of students who do not travel by car = (Number of students who do not travel by car / Total number of students) * 100

Percentage of students who do not travel by car = (60 / 100) * 100 = 60%.

Therefore, 60% of the students in the group do not travel to school by car.

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Hello !

you multiply by (-3) each time

3 + (-9) + 27 + (-81) + 243

3 * -3 = -9

-9 * -3 = 27

27 * -3 = -81

-81 * -3 = 243

The answer is 243.

The option that  Desargue study is option a. perspective geometry. Hence the other options are incorrect.

The field of perspective geometry, also referred to as projective geometry, encompasses the examination of geometric characteristics and connections that remain constant when subjected to projective transformations.

The study of projective geometry looks into ideas such as the existence of infinite points, the intersection of parallel lines at a single point, as well as the maintenance of proportions. Desargues significantly advanced the discipline, with significant emphasis on duality principles and conic theory.

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See text below

What did Desargue study? a. perspective geometry c. transformation of points b. algebraic geometry d. parallel projection

Answer:

c = 0.17w + 0.42

$1.10

Step-by-step explanation:

Let total cost = c.

Let number of ounces = w.

total cost = fixed cost + cost per ounce

fixed cost = $0.42

cost per ounce = $0.17

cost for w ounces = $0.17w

total cost = fixed cost + cost per ounce

     c         =       0.42    +        0.17w

The expression is:

c = 0.17w + 0.42

For 4 ounces, w = 4.

c = 0.17 × 4 + 0.42

c = 1.1

Answer:

c = 0.17w + 0.42

$1.10

Answer:

SAS

Step-by-step explanation:

According to the side-angle-side (SAS) rule, if two sides and the angle between them in one triangle are congruent to the corresponding sides and angle in another triangle, then the two triangles are congruent.

Since this is the case with these two triangles, they are congruent by SAS

Answer:

6x10^5 is bigger

Step-by-step explanation:

6x10^5 = 6 X 100,000 = 600,000

20x10^4 = 20 X 10,000 = 2 X 10 X 10,000 = 2 X 100,000 = 200,000

600,000 - 200,000 = 400, 000

For a population with mean μ, if c=0.90, x=15.2,o=3.0, and n=95, then the 90% confidence interval for μ is (14.5,15.9)

To find the 90% confidence interval for μ, follow these steps:

Therefore, the 90% confidence interval for μ is (14.5, 15.9)

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The zero property may not be explicitly mentioned as a requirement for a homomorphism, as it can be derived from the other properties. However, including it explicitly helps to emphasize the preservation of the additive identity element.

What is Preservation?

Preservation refers to the property of a homomorphism that ensures the structure and operations of algebraic structures are maintained. In the context of homomorphisms between rings, preservation means that the homomorphism preserves the addition and multiplication operations, as well as the identity and zero elements.

For a homomorphism φ: R → S between rings R and S, the following properties hold:

Additive Property: φ(a + b) = φ(a) + φ(b) for all elements a and b in R. This means that the homomorphism preserves the addition operation.

Multiplicative Property: φ(ab) = φ(a)φ(b) for all elements a and b in R. This property ensures that the homomorphism preserves the multiplication operation.

Identity Property: φ(1R) = 1S, where 1R is the multiplicative identity in ring R, and 1S is the multiplicative identity in ring S. This property guarantees that the homomorphism preserves the multiplicative identity element.

Zero Property: φ(0R) = 0S, where 0R is the additive identity in ring R, and 0S is the additive identity in ring S. This property ensures that the homomorphism preserves the additive identity element.

Note: In some contexts, the zero property may not be explicitly mentioned as a requirement for a homomorphism, as it can be derived from the other properties. However, including it explicitly helps to emphasize the preservation of the additive identity element.

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The correct answer is 0.3415.

To find the probability that the sample proportion is greater than 0.62, we can use the normal approximation to the binomial distribution.

Given that the population proportion is p = 0.60, the sample proportion follows an approximately normal distribution with a mean of p and a standard deviation of sqrt(p(1-p)/n), where n is the sample size.

In this case, n = 100, so the standard deviation is sqrt(0.60*(1-0.60)/100) ≈ 0.0489898.

To find the probability that the sample proportion is greater than 0.62, we can standardize the value using the z-score formula:

z = (x - μ) / σ

Where x is the value we're interested in (0.62), μ is the mean (0.60), and σ is the standard deviation (0.0489898).

z = (0.62 - 0.60) / 0.0489898 ≈ 0.408247

Now, we need to find the probability corresponding to this z-score using the standard normal distribution table or a statistical calculator. The probability that the sample proportion is greater than 0.62 is approximately 0.3415.

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The Variance is 0.0526 and standard deviation is √0.0526.

Given that: Sample size (n) is 8 and the summation of squares of x values (Σx2) = 87a. Calculation of varianceFirst, we need to calculate the sample mean

μ=Σx/n=16/8=2∑(x−μ)2=∑(x2−2xμ+μ2)=(Σx2−2μΣx+nμ2)/n=87−2(2)(16)+2^2/8=7Variance=s2=∑(x−μ)2/n=7/8=0.875

Calculation of Standard deviation:

Standard deviation=s=√s2=√0.875=b.

Calculation of variance

Sample size (n) is 36 and the summation of x values

(Σx) = 371μ=Σx/n=371/36=10.31∑(x−μ)2=Σx2−2μΣx+nμ2=∑x2−(Σx)2/n=nσ2=Σ(x−μ)2σ2=∑(x−μ)2/n=320.972/36=8.92Variance=s2=∑(x−μ)2/n=8.92

Calculation of Standard deviation:Standard deviation=s=√s2=√8.92=c.

Calculation of varianceSample size (n) is 19 and the summation of squares of x values (Σx2) = 19 and Σχ= 18μ=Σx/n=18/19∑(x−μ)2=Σx2−2μΣx+nμ2=19−2(18/19)19+(18/19)2=19/361σ2=∑(x−μ)2/n=19/361Variance=s2=∑(x−μ)2/n=0.0526

Calculation of Standard deviation:

Standard deviation=s=√s2=√0.0526

Therefore, the variance and standard deviation for samples with the given statistics are:a. Variance is 0.875 and standard deviation is √0.875b. Variance is 8.92 and standard deviation is √8.92c.

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Leila obtains a loan of $12,700 for home renovations from a bank that charges a simple interest rate of 7.45% per year. The interest charged on her loan is approximately $214.79. The total amount she needs to repay, including the principal and interest, is approximately $12,914.79.

To calculate the interest charged on the loan, we use the formula for simple interest: Interest = Principal × Rate × Time. We are given the principal amount, the interest rate (expressed as a decimal), and the time in years. By substituting these values into the formula, we can calculate the interest to be approximately $214.79.

To determine the total amount Leila needs to repay, we add the principal and the interest together. This gives us the total amount, which is approximately $12,914.79.

It's important to note that simple interest is calculated based on the principal amount, the interest rate, and the time period. The formula allows us to find the interest charged, and by adding it to the principal, we can determine the total amount to be repaid.

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The value of the line integral of F over C is 218/3. To evaluate the line integral of the vector field F = (x, y) over the curve C given by r(t) = (12t, t^2) for 0 <= t <= 1.

We need to parameterize the curve and compute the dot product of F with the tangent vector T = (dx/dt, dy/dt) evaluated at each point on the curve.

The parameterization of the curve C is:

x = 12t

y = t^2

Taking the derivatives with respect to t, we find:

dx/dt = 12

dy/dt = 2t

The tangent vector T is given by T = (12, 2t).

Now we can evaluate the line integral by integrating the dot product of F and T with respect to t over the interval [0, 1]:

∫(F · T) dt = ∫((x, y) · (12, 2t)) dt

= ∫(12x + 2yt) dt

= ∫(12(12t) + 2t(t)) dt

= ∫(144t + 2t^2) dt

= 72t^2 + (2/3)t^3 + C

Evaluating the integral over the interval [0, 1], we have:

∫(F · T) dt = 72(1)^2 + (2/3)(1)^3 - (72(0)^2 + (2/3)(0)^3)

= 72 + (2/3)

= 218/3

Therefore, the value of the line integral of F over C is 218/3.

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The most accurate statement about simplifying radicals/radical expressions is D. When simplifying radicals with variables, we have no way to ensure that the result will be non-negative.

The reason for this is that a number's square root can be either positive or negative, and it is impossible to determine the accurate one without additional details. One possible instance is the calculation of the square root of 4, which could yield either 2 or -2, but the determination of the correct answer necessitates further information.

In the process of reducing radicals, it is crucial to bear in mind that a number's square root can be either positive or negative. It is impossible to guarantee a positive outcome when the value under the radical, commonly known as the radicand, is a variable.

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These probabilities are not equal, the statement "p(x = 0) = p(y = 0)" is False

What is Binomial Random Variable?

A specific type of discrete random variable that counts how often a certain event occurs in a fixed number of trials or trials. For a variable to be a binomial random variable, ALL of the following conditions must be true: There is a fixed number of trials (fixed sample size). On each trial, the event of interest either occurs or does not occur.

The probability mass function (PMF) for a binomial random variable with parameters n and p is given by the formula:

P(X = k) = C(n, k) * p^k * (1 - p)^(n - k)

Where C(n, k) represents the binomial coefficient, defined as:

C(n, k) = n! / (k! * (n - k)!)

For the given values of n and p, let's calculate the probabilities:

For x:

n = 10

p = 0.3

P(x = 0) = C(10, 0) * 0.3^0 * (1 - 0.3)^(10 - 0)

= 1 * 1 * 0.7^10

≈ 0.0282

For y:

n = 10

p = 0.7

P(y = 0) = C(10, 0) * 0.7^0 * (1 - 0.7)^(10 - 0)

= 1 * 1 * 0.3^10

≈ 0.0000282

Therefore, p(x = 0) is approximately 0.0282, while p(y = 0) is approximately 0.0000282. Since these probabilities are not equal, the statement "p(x = 0) = p(y = 0)" is false.

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We can use either one tailed or two tailed as our interest.

The coefficient of determination (R-squared) measures the proportion of the variance in the dependent variable that can be explained by the independent variables in a regression model. It ranges from 0 to 1, where 0 indicates no relationship and 1 indicates a perfect fit.

When conducting a hypothesis test for the significance of the coefficient of determination, you typically assess whether R-squared is significantly different from zero. This is done using a one-tailed test, as the alternative hypothesis is usually stated as either "R-squared is greater than zero" or "R-squared is less than zero."

Thınking about testing the significance of the coefficient of determination, we set up the hypothesis test. This is data from the given question

We can use either one tailed test or two tailed test depending on our interest. We can use anything one tailed test or two tailed test

The   coefficient of determination is cannot be negative so we no need to test using the low tailed , so we no need to test the coefficient of determination it should be less than 0 , so we are using one tailed test or two tailed test

Therefore, We can use either one tailed or two tailed as our interest.

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