To know whether the linear approximation is an over or underestimate we consider the second derivative at the point x = 0.9 {\displaystyle x=0.9} :
f ( x ) = ln ( x ) f ′ ( x ) = 1 x f ″ ( x ) = − 1 x 2 {\displaystyle {\begin{aligned}f(x)&=\ln(x)\\f'(x)&={\frac {1}{x}}\\f''(x)&=-{\frac {1}{x^{2}}}\end{aligned}}}
Since f ″ ( 0.9 ) < 0 {\displaystyle f''(0.9)<0} the function is concave down at this point, and hence the linear approximation L ( x ) {\displaystyle L(x)} is an overestimate of the ln ( 0.9 ) {\displaystyle \ln(0.9)} .