x 0 H0: p= 0 versus Hi: /3 0 32 See Brooks (2002) for a discussion on why this is the preferred way of calculating returns. 33 An example is the Murabaha contract, See Visser (2004) chapter 5 for more examples and a description of Murabaha contracts. (HP1) (HP2) 25 EFTA00617334 Furthermore to te