A study by a bank compared the average savings of customers who were depositors for three years or less, with those who had been depositors for more than three years. The results of a sample are: 
If the population standard deviations are unknown and assumed unequal, what are the degrees of freedom?
Definitions:
Effective Yield
This term represents the total yield an investment returns, adjusted for compounding over a standard one-year period.
Present Value Factors
Mathematical factors used to calculate the present value of future cash flows, taking into account the time value of money and discount rates.
Maturity Value
The amount payable to the holder of a financial instrument at its maturity date, including the principal and any remaining interest.
Stated Interest Rate
The annual interest rate declared on a loan or financial instrument, not including any fees or compounding of interest.
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