when a bank has an input file of fico scores and uses machine learning to help predict credit losses for each customer, they are likely using which type of learning?
Answers
it losses for each customer, they are likely using supervised learning."
Supervised learning is a type of machine learning where the model is trained on labeled data, meaning the input data is paired with corresponding output or target variables. In the case of the bank using an input file of FICO scores, the FICO scores would be the input data, and the credit losses would be the target variable. By training the machine learning model on this labeled data, the bank can develop a predictive model that can assess the creditworthiness of customers and estimate potential credit losses.
Supervised learning is well-suited for problems where there is a clear relationship between input variables and target variables. By leveraging the labeled data and using algorithms, the bank can analyze the patterns and relationships in the FICO scores to make predictions about credit losses for each customer.
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We have discussed many features databases have to help businesses organize their data. However, we also have discussed that by organizing the data in a certain way makes good information for decision-making, especially for business. This brings us to the JOIN command. For this discussion, narrate the different scenarios where the different JOIN commands would be used.
Answers
The JOIN order is utilized in SQL (Organized Question Language) to consolidate lines from various tables in view of a connected segment between them. There are various kinds of JOIN orders, each filling a particular need in consolidating information from different tables.
Internal JOIN:
Situation: When you need to recover just the matching lines between two tables.
Use case: Assume you have a "Clients" table and an "Orders" table. You need to recover a rundown of clients who have set orders. For this situation, you would utilize Internal JOIN to match the client IDs in the two tables and recover the ideal outcomes.
LEFT JOIN (or LEFT External JOIN):
Situation: When you need to recover every one of the lines from the left (or first) table and the matching columns from the right (or second) table.
Use case: Consider a situation where you have a "Offices" table and an "Workers" table. You need to recover every one of the divisions and their relating workers (if any).
RIGHT JOIN (or RIGHT External JOIN):
Situation: When you need to recover every one of the columns from the right (or second) table and the matching lines from the left (or first) table.
Use case: In a similar model as above, to recover every one of the workers and their particular divisions (regardless of whether a few representatives are not relegated to any office), you would utilize RIGHT JOIN to achieve this.
FULL JOIN (or FULL External JOIN):
Situation: When you need to recover every one of the columns from the two tables, including coordinating and non-matching lines.
Use case: Assume you have a "Items" table and an "Orders" table, and you need to recover a rundown of all items alongside any related requests (if accessible) and any orders without related items.
CROSS JOIN (or Cartesian Join):
Situation: When you need to join all lines from the primary table with all columns from the subsequent table, bringing about a Cartesian item.
Use case: Envision you have a "Varieties" table with colors like "Red," "Green," and "Blue," and a "Sizes" table with sizes like "Little," "Medium," and "Huge."
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Which aspect of the organization should Albert have been aware of before joining it?
Albert has recently joined a business organization. After a few weeks, he has realized that he is not happy with the organization’s values, management style, and policies. He is thus finding it difficult to perform daily tasks. He wishes he had found some information about the organization’s
before joining it
Answers
Albert should have been aware of the organization's mission, vision, values, culture, management style, leadership, and policies before joining it.
What is organization?Organization is the process of arranging and managing the resources, activities, and responsibilities of a company or organization in order to achieve a predetermined goal. It involves creating a structure for a business, setting out procedures and processes, and assigning roles and responsibilities to ensure that the goal is achieved effectively and efficiently. Organization also involves setting plans and objectives, allocating resources to achieve those goals, and developing strategies to ensure the best use of resources. It also involves communication, problem-solving, and decision-making to ensure that the organization’s goals are met. Organization is important in businesses and organizations of all sizes as it helps to ensure that tasks are completed on time and that the organization is running smoothly.
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a certain city reports the following year-end total assets: general fund $ 18,400,000 library fund (a special revenue fund) 2,900,000 debt service fund 2,600,000 total governmental funds 26,300,000 total governmental and enterprise funds combined 51,250,000 based on this information, which funds should be reported as major funds?
Answers
The general fund ($18,400,000) and the debt service fund ($2,600,000) should be reported as major funds.
Major funds are defined as those funds that are considered significant in terms of size and scope. In the case of a city, the general fund and the debt service fund are typically considered major funds because they play a significant role in the overall financial operations of the city. The general fund is the main operating fund for the city and is used to finance the day-to-day operations, while the debt service fund is used to pay for long-term debt obligations.
Based on the information provided, the general fund and the debt service fund should be reported as major funds.
Total governmental funds: $26,300,000 (sum of the general fund, library fund, and debt service fund)
Total governmental and enterprise funds combined: $51,250,000
So, the general fund ($18,400,000) and the debt service fund ($2,600,000) should be reported as major funds.
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why do individual, business and nations make choices?
Answers
Answer: Since consumers' resources such as time, attention, and money are limited, they must choose how to best allocate them by making tradeoffs. ... When scarce resources are used (and just about everything is a scarce resource), people and firms are forced to make choices that have an opportunity cost
A password that contains full sentences or lines from a favorite movie or book is called a
•catchphrase
•moviebook
•passbook
•passphase
Answers
Answer:
passphrase is the correct answer
Answer: passphrase
Explanation:
I did the exam
the principal of a mortgage loan is the
a. down payment minus the closing costs minus the purchase price
b. purchase price plus the closing costs minus the down payment
c. down payment plus the closing costs plus the down payment
d. purchase price minus the closing costs minus the down payment
Answers
The down payment less the closing charges less the purchase price is the mortgage loan's principle.
What does a mortgage look like in its simplest form?When you enter into a mortgage with a lender, you give the lender the right to seize the property if they are unable to make the loan amount back plus the interest. You might be able to get a mortgage loan that will enable you buy a new house using the worth of the an existing home as security.
Why do individuals use mortgages?Mortgage loans assist people in financing the purchase of real estate by taking a small portion of the property's overall worth as payment. How Do Mortgages Work A mortgage is a loan used to pay for the upkeep of a home, piece of land, or other kinds of rental properties.
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Explain the concept of market and market identification.
Identify communications channels used in sales promotion.
Explain types of advertising media.
Describe effective advertising layouts.
Write copy for advertisements.
Answers
Copywriting for advertisements should be concise and to the point, utilize descriptive language, use active voice, include an attention-grabbing headline, and provide a clear call-to-action.
What is Copywriting?Copywriting is the practice of crafting words and phrases in order to create promotional materials that are designed to sell products or services. It requires a great deal of creativity and an ability to write in an engaging and persuasive manner. Copywriting involves researching, understanding the target audience, creating attention-grabbing headlines and crafting persuasive copy to persuade readers to take action. It is an essential part of the marketing process and can be used to effectively reach potential customers and increase sales. Copywriters use a variety of techniques to create effective copy, such as using powerful words, creating vivid imagery, and making use of persuasive language. Copywriters must be able to understand the needs of their target audience, create compelling headlines and body copy, and be able to effectively target the right people. In addition, copywriters must be able to measure the success of their copy and make adjustments based on the results.
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the monthly salaries of three people working in a small firm are $3,500, $4,000, and $4,500. if instead of a $100 raise, everyone gets 10% raise, how, if at all, would the average of the three salaries change?
Answers
The average salary would be affected by $300
The average of salary when increase by $100 each=
=4100+ 3600 + 4600/3
=4100
The average of salary when 10% increased-
For A- 3850
B- 4400
C- 4950
Average= 3850 + 4400 + 4950/3
= 4400
The total difference is $300.
Average salary- The result is obtained by dividing the sum of two or more values by the quantity of values. In other terms, the average or mean is equal to (a+b+c)/3. These five salaries total $264,000 in total. The average or mean pay is then obtained by dividing the total by the number of data points (five), which equals $52,800.
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Which two tasks are most important for a company prior to making any product?
Plan inventory control methods
Plan the facility layout
Design the product to satisfy wants
Determine what consumers want
Determine where the factory will be located
Answers
The two most important tasks for a company prior to making any product are determining what consumers want and designing the product to satisfy those wants.
Knowing what consumers want is crucial for any company to succeed in the market. Without this information, a company cannot design a product that will appeal to its target audience. Once a company has a clear understanding of what consumers want, it can then focus on designing the product to satisfy those wants.
This includes considering factors such as functionality, quality, and aesthetics. While inventory control methods, facility layout, and factory location are all important factors, they are not as critical as understanding and meeting the needs and wants of consumers.
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Imprudential, Inc. , has an unfunded pension liability of $583 million that must be paid in 15 years. To assess the value of the firm’s stock, financial analysts want to discount this liability back to the present. If the relevant discount rate is 7. 6 percent, what is the present value of this liability?
Answers
If the relevant discount rate is 7. 6 percent, then the present value of this liability is $265,420,560.74
Given,
Pension liability = $583
Time duration = 15 years
Discount rate = 7. 6 percent
Thus, the computation of the present value of this liability is done below:
As we know that,
Future value = Present value × (1 + rate)^the number of years
However,
Present value = Future value ÷ (1 + rate)^the number of years
= $583,000,000 ÷ (1 + 7.6%)^15
= $568,000,000 ÷ 2.14
= $265,420,560.74
Hence, if the relevant discount rate is 7. 6 percent the present value of this liability is $265,420,560.74
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Sunland Company owns equipment that cost $73,000 when purchased on January 1, 2019. It has been depreciated using the straight-line method based on an estimated salvage value of $13,000 and an estimated useful life of 5 years. Prepare Sunland Company's journal entries to record the sale of the equipment in these four independent situations. (a) Sold for $39,000 on January 1, 2022. (b) Sold for $39,000 on May 1, 2022. (c) Sold for $22,000 on January 1, 2022. (d) Sold for $22,000 on October 1, 2022.
Answers
Answer and Explanation:
The journal entries are shown below;
(a)
Cash $39,000
Accumulated Depreciation $36,000 [($73,000 - $13,000) × 3 ÷ 5]
To Equipment $73,000
To Gain on Sale of Equipment $2,000
(being the sale of equipment is recorded)
(b)
Depreciation $4,000 [($73,000 - $13,000) ÷ 5 × 4 ÷12]
To Accumulated Depreciation $4,000
(being depreciation expense is recorded)
Cash $39,000
Accumulated Depreciation $40,000 ($36,000 + $4,000)
To Equipment $73,000
To Gain on Sale of Equipment $6,000
(being the sale of equipment is recorded)
(c)
Cash $22,000
Accumulated Depreciation $36,000
Loss on Sale of Equipment $15,000
To Equipment $73,000
(being the sale of equipment is recorded)
(d)
Depreciation $9,000 [($73,000 - $13,000) ÷ 5 × 9 ÷ 12]
To Accumulated Depreciation $9,000
(Being depreciation expense is recorded)
Cash $22,000
Accumulated Depreciation $45,000 ($36,000 + $9,000)
Loss on Sale of Equipment $6,000
To Equipment $73,000
(being sale of equipment is recorded)
Though started to explore another hypothesis, the Hawthorne Studies series of experiments clearly demonstrated the importance of ______.
Answers
Though started to explore another hypothesis, the Hawthorne Studies series of experiments clearly demonstrated the importance of human factors and social aspects in the workplace.
The key finding, known as the Hawthorne Effect, revealed that employees' productivity and motivation were significantly influenced by the attention they received from researchers and management. This highlighted the crucial role of employee engagement, communication, and recognition in driving better work performance.
The studies also emphasized the importance of considering workers' psychological needs and creating a positive work environment to improve overall satisfaction and productivity. In summary, the Hawthorne Studies demonstrated the value of human factors, social interactions, and workplace culture in fostering a productive and motivated workforce.
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_____ are stories about a person’s life written by that individual.
Directories
Biographies
Autobiographies
Encyclopedias
Answers
Biographies is a book written by the individual
Hope this helps *smiles*
Answer: Autobiography
Example: The person above has to be a troll fr
Explain the role of public relations in developing and maintaining a corporate image.
Answers
By overseeing communication and relationships between an organisation and its stakeholders, public relations plays a critical part in creating and sustaining a company image.
To influence the perception, reputation, and overall image of the business, strategic communication is used. To improve the public's view of the company, public relations experts take part in activities like media relations, crisis management, community involvement, and employee communications. Public relations contributes to the development of trust, credibility, and goodwill among stakeholders by clearly articulating the company's ideals, accomplishments, and social responsibility efforts. It helps build the company's brand, draw in clients, investors, and talent while minimising reputational hazards.
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(a) A family consist of a baby, a child attending nursery school and working parents, decide to prepare a budget for 3 months has a limited income and decides to purchase a food processor instead of a television set.
Suggest TWO possible reason for this decision.
Answers
Answer:
bhosdi ke kute gal chode
hey you are loved.
Take of yourself.
please vote me for Brainliest if ok :)
The revenue cycle of a company generally includes which accounts?a. Inventory, accounts payable, and general expenses.b. Inventory, general expenses, and payroll.c. Cash, accounts receivable, and sales.d. Cash, notes payable, and capital stock.
Answers
The revenue cycle of a company generally includes cash, accounts receivable, and sales.
Cash represents the inflow of funds from customers, while accounts receivable is the money owed to the company by its customers for goods or services that have been sold on credit. Sales refer to the revenue earned from the sale of products or services.The revenue cycle is the process of selling goods or services to customers and receiving payment from them. It involves a series of interrelated business activities that start from the moment a sale is made until the cash is collected. The revenue cycle typically includes sales order entry, credit approval, shipping and handling, billing, and cash receipts.
Inventory, accounts payable, and general expenses are not part of the revenue cycle. Inventory is the goods a company holds for sale, accounts payable represents the money owed to suppliers for the purchase of goods or services, and general expenses are the costs associated with running a business. While these accounts are important for a company's financial management, they do not directly relate to the revenue earned from sales.
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Why does an inverted yield curve serve as a predictor of a recession?.
Answers
which kpi will executives be more responsive to
Answers
The KPI (key performance indicator) that executives will be more responsive to will depend on the company's specific goals, objectives, and industry.
However, in general, executives tend to be more responsive to KPIs that are directly related to the company's financial performance and overall success. Some examples of KPIs that executives are typically more responsive to include:
Revenue, Revenue is a measure of the company's sales and is a critical indicator of financial performance.
Gross Profit Margin, Gross profit margin is the amount of profit a company earns on each sale after deducting the cost of goods sold. A higher gross profit margin indicates better profitability.
Net Income, Net income is the amount of profit a company earns after deducting all expenses, including taxes.
Return on Investment (ROI), ROI is a measure of the return earned on an investment and is a key indicator of the company's profitability and financial success.
Customer Acquisition Cost (CAC), CAC is the cost of acquiring a new customer and is an important metric for companies looking to maximize their marketing and sales efforts.
Customer Lifetime Value (CLV), CLV is the total value a customer will bring to the company over their lifetime, and is an important metric for companies looking to build strong customer relationships and maximize customer loyalty.
Ultimately, the KPIs that executives are most responsive to will depend on the company's specific goals and objectives, as well as the industry and market conditions in which the company operates.
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Four people are applying for a job. This chart shows the company’s favorite characteristic of each of these job applicants:
Answers
Cara makes 152 pies in 8 days. How many pies does Cara make per day if she makes the same number of pages each day
Answers
Answer:
19
Explanation:
152 divided by 8 is 19
question 8 a spreadsheet is a versatile tool that helps a project manager to do what? select all that apply.
Answers
A flexible tool, spreadsheets 2. Examples of databases Multi-database systems 2.4. ... Conclusion Plans and Schedules employing a project manager
what is the project manager to do?Planning, obtaining, carrying out, and finishing a project are all tasks that a project manager is in charge of. The project manager is responsible for overseeing all aspect of the project, including its scope, team management, and resources allocated to it.
What exactly do project managers do and how do they do it?A project manager's responsibilities include resource management, monitoring client demands, team coordination, and on-time delivery of the results.
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Double entry Received commission by Cheque
Answers
Answer:
congratulations sirr
Explanation:
ask any question or queries not other things
sorry if this was hurtful to you
Total Costs (dollars)
8,000
7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
Curve N
Curve M
Curve L
1,000 2,000 3,000 4,000
Quantity
What are the appropriate labels for Curves N and M in the nearby graph?
O Curve N is total cost and Curve M is total fixed cost.
O Curve N is total variable cost and Curve M is total cost.
O Curve N is total cost and Curve M is total variable cost.
Curve N is total variable cost and Curve M is total fixed cost.
Answers
The appropriate labels for Curves N and M in the nearby graph is that the Curve N is total cost and Curve M is total variable cost.
Why is the curve as stated about?Because a fixed cost is constant, this is not shown on the graph, however, the movement of the variable cost impacts directly on the total cost as well but it will be higher.
Hence, the appropriate labels for Curves N and M in the nearby graph is that the Curve N is total cost and Curve M is total variable cost.
Therefore, the Option C is correct.
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Which of the following statements about Thomas Hobbes and John Locke is not correct?
a Thomas Hobbes argued for a powerful government, while John Locke argued for a limited government.
b Both Thomas Hobbes and John Locke influenced the ideas of the Enlightenment. c Both Thomas Hobbes and John Locke wrote about Social Contract theory. d Both Thomas Hobbes and John Locke agreed that in the State of Nature,
Answers
The statement "Both Thomas Hobbes and John Locke agreed that in the State of Nature" is not correct.
The statement implies that both Hobbes and Locke held similar views about the State of Nature, but this is not accurate. Thomas Hobbes and John Locke had contrasting perspectives on the State of Nature. Hobbes argued that the State of Nature was a chaotic and violent condition in which individuals' lives were "solitary, poor, nasty, brutish, and short." He believed that in such a state, people would willingly give up their freedoms to a powerful government in exchange for protection and stability. On the other hand, Locke's view of the State of Nature was more optimistic. He believed that individuals possessed natural rights, including life, liberty, and property, and that people entered into a social contract to establish a limited government that protected these rights. Therefore, the correct statement would be that Hobbes and Locke disagreed on the nature of the State of Nature and the role of government, rather than agreeing on it.
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0.0/2.0 points (graded) The current level of the S\&P500 index is $2604.00, the futures price of a contract on the S\&P500 maturing 3 months from now is F=$2609.00. The futures contract is settled in cash with the payout at maturity equal to the closing value of the S\&P500 index on that day. The 1-year continuously compounded spot risk-free rate is rf=2.90%. Use continuous compounding for the dividend yield, what value of the S\&P500 dividend yield is implied by this data?
Answers
The implied value of the S&P500 dividend yield, based on the given data, is approximately 1.39%.
To calculate the implied dividend yield, we can use the formula for the cost of carry in futures pricing, which states that the futures price is equal to the spot price multiplied by the continuously compounded risk-free rate minus the continuously compounded dividend yield.
F = S × \(e^{(rf - q) X T)}\)
In this case, we are given the futures price (F) as $2609.00, the spot price (S) as $2604.00, the risk-free rate (rf) as 2.90% (or 0.029 in decimal form), and the time to maturity (T) as 3 months (or 0.25 years).
By rearranging the formula, we can solve for the dividend yield (q):
q = (rf × T - ln(F/S)) / T
Substituting the given values, we have q = (0.029 × 0.25 - ln (2609.00/2604.00)) / 0.25 ≈ 0.0139, or approximately 1.39%.
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what is your names my name is janaye
Answers
Answer:
Elijah but I go by Mayhem
Explanation:
Answer:
my name is Michelle
Explanation: LOL
A stock dividend ______. (Check all that apply.) Multiple select question. causes retained earnings to decrease. increases a stockholders' percentage ownership in the corporation. causes total stockholders' equity to decrease. distributes additional shares of stock to existing stockholders on a pro rata basis.
Answers
Based on the stock market analysis and considering the available options, a stock dividend causes retained earnings to decrease.
Also, a stock dividend is known to distribute additional shares of stock to existing stockholders on a pro-rata basis.
A stock dividend is generally a dividend given to shareholders instead of money. It helps the company to give back to shareholders without affecting the company's cash assets.
Hence, in this case, it is concluded that the correct answer is options A and D.
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please help me i cant solve this :(
Answers
Answer: 25% is your answer
Explanation: (Simplify) 150/600 = 0.25 = 25%
I hope this helps! :)
Emotional Stability and Performance Mariyam and Ahmed work together in the department of marketing in Sonnoqrut Company. Their manager, Omar, noticed that their performance is not as usual as it used to be especially when they have to work together or in a team. Later, the manager discovered that both of them are struggling a love story but is not going all good; they separated many times but reconnected again. If you were in the place of the manager, how do you handle this problem? Make sure that your final goal is to improve their performance at work.
Answers
To improve Mariyam and Ahmed's work performance, the manager can take approaches such as discussing their relationship's impact, providing counseling, considering separation, offering training, and creating a supportive environment to enhance their emotional stability.
Emotional stability is an individual's ability to control their emotions under pressure or stress. Emotional stability is critical for a person's well-being and has been linked to greater success in life. Performance, on the other hand, is the degree to which an individual accomplishes a task's objectives. An individual's emotional stability affects their work performance by enabling them to maintain focus, handle pressure, and cope with workplace stress. Therefore, to handle the problem, there are a few approaches that the manager can take to improve Mariyam and Ahmed's work performance, as shown below:
1. Discussion: The manager can arrange a discussion with Mariyam and Ahmed to talk about their relationship's impact on their work performance. By discussing their concerns and offering them support, the manager can assist them in addressing their difficulties and gaining more emotional stability.
2. Counseling: The manager can provide them with counseling to assist them in resolving their relationship issues. By doing so, Mariyam and Ahmed can improve their emotional stability, which will ultimately improve their work performance.
3. Separate them: The manager may consider separating Mariyam and Ahmed in the workplace to reduce their distraction and improve their performance.
4. Training: The manager may provide training to Mariyam and Ahmed to help them improve their emotional stability, which will ultimately improve their work performance.
5. Supportive Environment: Finally, the manager can create a supportive environment that promotes healthy relationships and provides support for employees who are going through difficult times. By doing so, Mariyam and Ahmed can gain more emotional stability, which will ultimately improve their work performance.
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on august 3, cinco construction purchased special-purpose equipment at a cost of $1,000,000. the useful life of the equipment was estimated to be eight years, with an estimated residual value of $50,000. a. compute the depreciation expense to be recognized each calendar year for financial reporting purposes under the straight-line depreciation method (half-year convention). b. compute the depreciation expense to be recognized each calendar year for financial reporting purposes under the 200 percent declining-balance method (half-year convention) with a switch to straight-line when it will maximize depreciation expense. c. which of these two depreciation methods (straight-line or double-declining-balance) results in the highest net income for financial reporting purposes during the first two years of the equipment’s use?
Answers
The straight-line method of depreciation is the one in which depreciation is calculated based on the fixed asset's purchase price. Every year, the cost of depreciation stays the same. Depreciation is also affected by salvage value.
In the first two years after purchasing the asset, the straight-line method will result in the highest net income. because the double declining method's initial years of asset depreciation are significantly higher than those of the straight-line method.
How is straight-line depreciation calculated?Straight-line depreciation is calculated using the following formula: Straight-line depreciation equals the asset's cost divided by its estimated salvage value divided by its estimated useful life. Where: The asset's initial purchase or construction cost, as well as any associated capital expenditure, is the asset's Cost of Asset.
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