According to a money report by a government institution, 18-to-20-year-old college students have an average credit card balance of $569, A researcher wants to find out if this number is lower now and collects da random sample of 40 college students. Their average credit card debt was found to be $544 with a sample standard deviation of $67.21. Complete parts a through c. 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? Determine the null and alternative hypotheses. Ho: H Hy : H (Type integers or decimals. Do not round. Do not include the $ symbol in your answers.) Determine the appropriate critical value. Select the correct choice below and fill in the answer box within your choice. (Round to three decimal places as needed.) OA. 1to12= = OB. to = OC. - to = Calculate the appropriate test statistic. 1; =0 (Round to two decimal places as needed.) State the conclusion. Ho. There sufficient evidence to conclude that the average credit card balance of 18-to-20-year-old college students has since 2016. b. Does changing the value of a from 0.05 to 0.01 affect the conclusion? Why or why not