22.38 Will they charge more? A bank wonders whether omitting the annual credit card fee for customers who charge at least $3000 in a year will increase the amount charged on its credit cards. The bank makes this offer to an SRS of 400 of its credit card customers. It then compares how much these customers charge this year with the amount that they charged last year. The mean increase in the sample is $246, and the standard deviation is $112. Is there significant evidence at the 1% level that the mean amount charged increases under the no-fee offer? State H₀ and H_a and carry out a significance test. Use significance level 0.01.