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 706.1 . 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 45 high-income individuals and found the sample mean credit score to be 719.6 with a standard deviation of 84.2 . Conduct the appropriate test to determine if high-income individuals have higher credit scores at the \( \alpha=0.05 \) level of significance. \( = \) Click the icon to view the table of critical t-values. State the null and alternative hypotheses. Fill in the correct answers below. \( \mathrm{H}_{0}: \mu \cdot \mu \) (Type integers or decimals. Do not round.)
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