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The fluctuations in the stock market induce some investors to sell and move their money into more stable investments. To determine the degree to which recent fluctuation affected ownership, a random sample of 150 people who confirmed that they owned some shares were surveyed. The values of the holdings were recorded at the end of last year and at the end of the year before. Can we infer that the average value of the shareholdings has decreased? Use ? = 0.05.

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