Insurance companies charge young drivers more for automobile insurance because they tend to have more accidents than older drivers. To make this point, an insurance representative first determines that only 16% of licensed drivers are age 20 or younger. Because this age group makes up only 16% of the drivers, it is reasonable to predict that they should be involved in only 16% of the accidents. In a random sample of 100 accident reports, however, the representative finds 31 accidents that involved drivers who were 20 or younger. Is this sample sufficient to show that younger drivers have significantly more accidents than would be expected from the percentage of young drivers? Use a two-tailed test with α = .05.