Answer
$\frac{x-1}{x^{2}y} ; x \ne 0; $
Work Step by Step
$\frac{1-\frac{1}{x}}{xy}$
$=\frac{\frac{x- 1}{x}}{xy} ; x \ne 0; $
$=\frac{x-1}{x} \times \frac{1}{xy} ; x \ne 0; $
$= \frac{x-1}{x^{2}y} ; x \ne 0; $
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