The partners at an investment firm want to know which of their two star financial planners, Brayden or Zoe, produced a higher population mean rate of return last quarter for their clients. The partners reviewed last quarter's rates of return for random samples of clients who were managed by Brayden or Zoe. The mean rate of return for a sample of 30 of Brayden's clients was 3.54% with a standard deviation of 0.92%. The mean rate of return for a sample of 30 of Zoe's clients was 3.87% with a standard deviation of 2.08%. Let μ1 be the population mean rate of return for Brayden's clients and μ2 be the population mean rate of return for Zoe's clients. Based on these results, the partners test the alternative hypothesis Ha:μ1-μ2<0, with α=0.05, assuming that the population standard deviations of the two groups are not equal and using 29 degrees of freedom. If the t-test statistic is t≈-0.79 and the rejection regions is less than -t0.05=-1.699, what conclusion could be made about the population mean rate of return of the clients for Zoe and Brayden? Identify all of the appropriate conclusions.