I'm confused about the null hypothesis

The null hypothesis should be contrary to what you’re trying to find correct? For example, I think the avg return on something is > 1% H0: <= .01 versus Ha: > .01 I think I’ve seen different questions do things differently

yep. because you tend to only reject things with statistics, stating some observed thing is very unlikely.

LW is right, you never accept Ha, just reject or fail to reject Ho.

Ahh, ok, thinking in those terms makes a lot more sense Reject or don’t reject. So your goal is to do research to reject the null.