There is interest at the American Savings and Loan as to whether there is a difference between average daily balances in checking accounts that are joint accounts (two or more members per account) versus single accounts (one member per account). To test this, a random sample of checking accounts was selected with the following results: Single Accounts Joint Accounts n 20 s $256 30 s $300 $1,123 $1,245 Based upon these data, test if there is the difference between the two population means using a significance level of 0.05.