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In a cluster sampling design with K=50K = 50 total clusters of size M=20M = 20, we select k=5k = 5 clusters. If the design effect Deff=1+(M1)ρ=2.9Deff = 1 + (M-1)\rho = 2.9 and the cluster size M=20M = 20, what is the Intra-class Correlation Coefficient ρ\rho?