9.16 According to the 2016 Majoring in Money report by the government-lending institution Sallie Mae, 18- to 20-year-old college students have an average credit card balance of $569. You want to find out if this number is lower now and collect data for a ran- dom sample of 40 college students. Their average credit card debt was found to be $545 with a sample standard deviation of $68.55. a. Using a = 0.05, does this sample provide enough evidence to conclude that the average credit card balance of 18- to 20-year-old college students has decreased since 2016? b. Does changing the value of a from 0.05 to 0.01 affect your conclusion? Why or why not? c. Determine the precise p-value for this test using Excel.

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