1. Assuming that incomes can be approximated using a normal distribution with the specified mean and standard deviation, calculate the income that cut off the bottom 10% of incomes.  
2. Assuming that incomes can be approximated using a normal distribution with the specified mean and standard deviation, calculate the middle 95% of incomes. Hint: This requires calculating two values.  
3. Write a short memo describing your results and how they were obtained. Your memo should clearly state the income that would disqualify people from the program, as well as the range of incomes in the middle 95% of the state’s income distribution.