To determine the estimated population in Amity Center after a percentage increase or decrease, we need to consider the current population (represented by \( y \)) and adjust it by the percentage given.
Assuming the estimated change is a decrease of 5%, the expression that Ella should use would be:
\[ y - (y \times 0.05) \]
This means she would subtract 5% of the current population \( y \) from \( y \) itself to find the new estimated population.
Therefore, the correct response is:
y - (y x 0.05).