text: Below is an context that describes a sql query, paired with an question that provides further information. Write an answer that appropriately completes the request.  # noqa: E501
  ### Context:
  CREATE TABLE customer (cust_name VARCHAR, credit_score INTEGER)
  ### Question:
  Find the name of customers whose credit score is below the average credit scores of all customers.
  ### Answer:
  SELECT cust_name FROM customer WHERE credit_score < (SELECT AVG(credit_score) FROM customer)