The recent default rate on all student loans is 5.1 percent. In a recent random sample of 322 loans at private universities, there were 19 defaults. Does this sample show sufficient evidence that the private university loan default rate is below the rate for all universities, using a left-tailed test at a = 010? (a-2) Calculate the z-score for the sample data using a left-tailed test at a = 01. (A negative value should be indicated by a minus sign. Round your answer to 3 decimal places.) (b) Calculate the p-value. (Round your answer to 4 decimal places.)