Paige wants to have an income of $38,000 a year when she retires. She finds
a CD that offers 5.2% APR compounded annually, and she also finds a period
annuity that offers 5.2% APR compounded monthly for 20 years. How much
more money would Paige need to invest in the CD than in the annuity in order
to reach her goal?

Farmers know that driving heavy equipment on wet soil compresses the soil and injures future crops. here are data on the "penetrability" of the same type of soil at two levels of compression. penetrability is a measure of how much resistance plant roots will meet when they try to grow through the soil. compressed soil 2.85 2.66 3 2.82 2.76 2.81 2.78 3.08 2.94 2.86 3.08 2.82 2.78 2.98 3.00 2.78 2.96 2.90 3.18 3.16 intermediate soil 3.17 3.37 3.1 3.40 3.38 3.14 3.18 3.26 2.96 3.02 3.54 3.36 3.18 3.12 3.86 2.92 3.46 3.44 3.62 4.26 use the data, omitting the high outlier, to give a 95% confidence interval for the decrease in penetrability of compressed soil relative to intermediate soil. compute degrees of freedom using the conservative method. interval: to