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In this tutorial, Ryan demonstrates how to adjust value field settings in a pivot table. He starts by showcasing the layout, where types of loans are listed in rows, and amounts appear as values, which can be pulled down multiple times. Ryan explains that when a number is added, it automatically sums the values, as this is the default implied aggregation. However, if text is added, it counts occurrences instead. He indicates that these default settings may not always meet user needs and introduces three different methods to customize how information is presented in the pivot table.