In recent years, interest rates on home mortgages have been lowered to less than 6.0%. However, a recent study shows that the rate charged on credit card debt is more than 14%. A sample of 10 credit cards showed that the mean rate charged is 15.64%, with a standard deviation of 1.561%. Is it reasonable to conclude the mean rate charged is greater than 14%? Use the 0.01 significance level.