instruction: What are the names of accounts with checking balances greater than the average checking balance and savings balances below the average savings balance?
response: SELECT T1.name FROM accounts AS T1 JOIN checking AS T2 ON T1.custid = T2.custid WHERE T2.balance > (SELECT AVG(balance) FROM checking) INTERSECT SELECT T1.name FROM accounts AS T1 JOIN savings AS T2 ON T1.custid = T2.custid WHERE T2.balance < (SELECT AVG(balance) FROM savings)