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Answer :
State the population parameters for the study. The population parameters for the study are mean credit card balance (μ) and population standard deviation (σ).
Step 2: State the null hypothesis.
The null hypothesis is that the mean credit card balance for undergraduate students is equal to or greater than the mean credit card balance reported in the original study (μ≥3,173).
Step 3: State the alternative hypothesis.
The alternative hypothesis is that the mean credit card balance for undergraduate students is less than the mean credit card balance reported in the original study (μ<3,173).
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