Question: In a survey of commuting habits, it was found that among 1068 homeowners, 82.4% drive themselves to work. Among 1064 renters, 68.1% drives themselves to work (based on data from The U.S. Census American Housing Survey). Test the claim that there appears to be a significant difference between the two proportions. Use a significance level of 0.05. Identify at least one major factor that might explain any such difference.