A study by Experian found that 20% of consumers in New Jersey have 10 or more credit cards, compared to 11% in Tennessee. In a two-tail test at the 0.05 level of significance, and assuming the percentages are from independent samples of 100 consumers each, can we conclude that New Jersey and Tennessee consumers might not differ in terms of the percentage who have 10 or more credit cards? Determine and interpret the p-value for the test, then construct and interpret the 95% confidence interval for the difference between the population proportions.