(3) Let $\left\{a_{n}\right\}$ be an arithmetic sequence with the sum of the first $n$ terms denoted as $S_{n}$. If $S_{15}>0, S_{16}<0$, then the largest among $\frac{S_{1}}{a_{1}}$,
$\frac{S_{2}}{a_{2}}, \cdots, \frac{S_{15}}{a_{15}}$ is $\qquad$.
(3) $\frac{S_{8}}{a_{8}}$ Hint: From $S_{15}=15 a_{8}>0$, we know $a_{8}>0$, and then from $S_{16}=\frac{a_{8}+a_{9}}{2} \times$
$160$. Also, from $a_{1}>a_{2}>\cdots>a_{8}>0, S_{1}<S_{2}<\cdots<S_{8}$, we know $\frac{S_{8}}{a_{8}}$ is the largest.