Credit scorecards were designed to be used to help financial institutions make decisions about loan applications (see page 63). However, some insurance companies have suggested that credit scores could also be used to determine insurance premiums, particularly car insurance. The Massachusetts Public Interest Research Group has come out against this proposal. To acquire more information, an executive for a car-insurance company gathered data about a random sample of the company’s customers. She recorded whether the individual was involved in an accident in the last 3 years and determined the credit score. Can the executive infer that there is a difference in scores between those who did and those who did not have accidents in a 3-year period?