A loan repayment officer wants to compare current credit card balances of patrons who have 2 or more late payments over the past 12 months vs. those who have not had any late payments during that time. He gathers data from 1289 accounts with late payments and 2138 accounts without late payments, and he performs a data analysis that compares their current month averages. What data analysis does he perform? A. An independent t test B. A one-sample z test for means C. A dependent t test D. A one-sample t test