question: Find the names of accounts whose checking balance is above the average checking balance, but savings balance is below the average savings balance.
#1 return accounts 
#2 return checking  balance   of #1 
#3 return average of #2 
#4 return #1 where #2 is higher than #3 
#5 return savings  balance   of #1 
#6 return average of #5 
#7 return #1 where #5 is higher than #6 
#8 return accounts in  both #4 and  #7 
#9 return names of #8