Final answer:
A test designed to assess whether a student has mastered the ability to multiply two-digit numbers to a specified level of competency is norm-referenced.
Step-by-step explanation:
A test designed to assess whether a student has mastered the ability to multiply two-digit numbers to a specified level of competency can be described as norm-referenced. Norm-referenced tests compare an individual's performance to a larger group of test takers, allowing for the interpretation and comparison of scores. In this case, the test would likely include a set of standard multiplication problems involving two-digit numbers, and the student's performance would be compared to the performance of other students of the same grade or age range.