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In this tutorial, Ryan De Beep explains how to adjust the value field settings in a pivot table to change how data is presented. He begins by demonstrating the layout with loan types in rows and amounts displayed multiple times. Ryan notes that when new amounts are added, the pivot table automatically sums them, as this is the default aggregation for numerical data. Similarly, for text data, it assumes a count is requested. He emphasizes the flexibility in changing these default settings and mentions that there are several methods to modify the value field settings effectively.