The bank credit card department of Carolina Bank knows from experience that 5 percent of its card holders have had some high school, 15 percent have completed high school, 25 percent have had some college, and 55 percent have completed college. Of the 500 card holders whose cards have been called in for failure to pay their charges this month, 50 had some high school, 100 had completed high school, 190 had some college, and 160 had completed college.

Can we conclude that the distribution of card holders who do not pay their charges is different from all others? Use the .01 significance level.