A researcher claims that the mean annual cost of raising a child (age 2 and under) by a husband-wife family in rural areas is $11,060. A random sample of husband-wife families of 800 children has an average cost of $10,920. Assume the population standard deviation is $1561. At a 95% confidence level, is there enough evidence to reject the claim? State your null and alternate hypotheses for your test (10 points).