Under what circumstances should a t distribution be used rather than the normal distribution to look up

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Under what circumstances should a t distribution be used rather than the normal distribution to look up areas or probabilities associated with distances from the mean?
Distribution
The word "distribution" has several meanings in the financial world, most of them pertaining to the payment of assets from a fund, account, or individual security to an investor or beneficiary. Retirement account distributions are among the most...
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