Insure.com reports that the mean annual premium for automobile insurance in the United States was $1,365 in 2018. Being from Pennsylvania, you believe automobile insurance is cheaper there, and you wish to develop statistical support for your opinion. A sample of 25 automobile insurance policies from the state of Pennsylvania showed a mean annual premium of $1,274 with a standard deviation of
s = $160.

What is a point estimate (in dollars) of the difference between the mean annual premium in Pennsylvania and the national mean? (Use the mean annual premium in Pennsylvania minus the national mean.)
(Use = 0.05.)