For convenience, name the four individuals in your data set who have a credit Balcanes in the top four bins as the Spenders and the other individuals as the savers. here is a lame joke. The savers are all at a party having a good time. When the spenders arrive, the savers suddenly get depressed. The spenders say,” hey, why is everyone suddenly so glum?” The savers reply,”Don’t you know what you for guys do to our average credit card debt?” Explain the punchline of the joke. Why are the savers depressed when the spenders arrive?