Given a dataset of 30 monthly stock returns from McCreary, Inc., where the average return is 4% and the standard deviation is 20%, you need to calculate the 95% confidence interval for the average monthly return. The population variance is unknown, and the standard error of the sample mean has been estimated at 3.651%. Use the following t-table values to find the appropriate t-distribution percentile (tij represents the (100-j)th percentile of the t-distribution for i degrees of freedom):

t29,2.5 = 2.045
t29,5.0 = 1.699
t30,2.5 = 2.042
t30,5.0 = 1.697