Nafuz manages the credit department for a grocery store chain in the province, and would like to determine whether the mean monthly balance of credit card holders is at most 95 dollars. A random sample of 64 accounts selected indicated that the mean owed is 98.50 dollars with a sample standard deviation of 24.56 dollars. If she wanted to test the mean balance is in excess of 95 dollars and decided to reject the null hypothesis, what conclusion could she reach?