A bank found that in recent years, the average monthly charge on its credit card was $1,400. With an improving economy, they suspect that this amount has increased. A sample of 45 customers resulted in an average monthly charge of $1,425.52 with a standard deviation of $182.66. Do these data provide statistical evidence that the average monthly charge has increased? Formulate the appropriate hypothesis test and draw a conclusion. Use a level of significance of 0.05.