9.26 Remote deposit capture. The Federal Reserve has called remote deposit capture (RDC) “the most important development the [U.S.] banking industry has seen in years.’’ This service allows users to scan checks and to transmit the scanned images to a bank for posting.⁷ In its annual survey of community banks, the American Bankers Association asked banks whether or not they offered this service.⁸ The two-way table for this exercise is given in Figure 9.9. Use the figure to find the joint distribution, the two marginal distributions, and the conditional distributions. Which conditional distribution do you prefer to explain the results of your analysis? Give a reason for your answer.