A researcher wants to determine whether a financial crisis is related to changes in home ownership in her country. The researcher looks up the statistics for home ownership rates and compiles annual values, which are available for 24 years. She groups the data into two periods. She calls the 11 years before the crisis period A and calls the years after the crisis period B. The researcher finds that within each period, the values fluctuate without a distinct trend. Neither period contains an outlier. Under which condition is it reasonable to conclude that home ownership decreased after the crisis?