John bought a used truck for $4,500. he made an agreement with the dealer to put $1,500 down and make payments of $350 for the next 10 months. the extra cost paid by taking this deal is equivalent to what actual yearly rate of interest?

a. 36%
b. 63%
c. 3.6%
d. 33%

Two researchers are attempting to create a new psychotherapy protocol that more reduces panic attacks. they believe that they have succeeded and are now in the clinical trial period of their protocol's development. they are working with several cohort groups, some of which have been through the new protocol, while others have done the standard protocol currently recommended. if these researchers are interested in evaluating the difference in the percentage of test subjects who successfully decreased their panic attacks in 2 months on the new protocol versus the percentage of test subjects who successfully decreased their panic attacks in 2 months with the traditional protocol, which of the following statistical tests would be most appropriate? a. analysis of variance (anova) b. correlation c. chi-square test d. paired t-test e. independent t-test