Internet Classes A survey of 25 students was conducted to determine how they rate the quality of Internet classes. Students were asked to rate the overall quality from 0 (no quality at all)to 100 (extremely good quality). The stem-and-leaf display of the data is shown below. 
{Internet Classes Narrative} What percentage of the students rated the overall quality of on-line classes as being below 40?
Definitions:
Location
A specific place or position, often used in various contexts to define where something is situated or found.
Moral Hazard
A situation in which one party is more willing to take risks because the costs that may result will not be borne by them.
Adverse Selection
A situation in which asymmetric information leads to the market being dominated by inferior products or by participants who are at a disadvantage.
Moral Hazard
A situation where one party in a transaction has the opportunity to take risks because the costs that those risks entail will not be borne by that party.
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