In constructing a 95% confidence interval estimate for the difference between the means of two normally distributed populations, where the unknown population variances are assumed not to be equal, summary statistics computed from two independent samples are: 
, 
, 
, 
, 
, and 
. The upper confidence limit is:
Definitions:
Compounded Annually
The process of calculating interest on both the initial principal and the accumulated interest from previous periods once a year.
Retirement
The point in time when an individual chooses to leave the workforce permanently, often accompanied by receiving pension or retirement savings.
Annual Rate of Return
This is the percentage change in the value of an investment over a one-year period, taking into account both capital gains and income received.
Investment
The allocation of resources, usually financial, in expectation of a future return, which may include interest earnings, dividends, or appreciation in value.
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