A credit score is used by credit agencies (such as mortgage companies and banks) to assess the creditworthiness of individuals. Values range from 300 to 850, with a credit score over 700 considered to be a quality credit risk. According to a survey, the mean credit score is 707.4. A credit analyst wondered whether high-income individuals (incomes in excess of $100,000 per year) had higher credit scores. He obtained a random sample of 44 high-income individuals and found the sample mean credit score to be 721.2 with a standard deviation of 82.8. Conduct the appropriate test to determine if high-income individuals have higher credit scores at the a = 0.05 level of significance. HO: H = U (Type integers or decimals. Do not round.) Identify the t-statistic. to =(Round to two decimal places as needed.) Identify the P-value. P-value = (Round to three decimal places as needed.) Make a conclusion regarding the hypothesis