Securitization is the process of converting illiquid assets into marketable securities. Banks choose to securitize their assets to obtain liquidity, reduce risk exposure, and diversify their portfolios. It involves packaging a pool of assets, such as mortgages or loans, into a financial instrument called a securitized asset or security. These securities are then sold to investors in the capital markets.
The securitization process typically involves several steps. First, the bank identifies a pool of assets with similar characteristics, such as mortgage loans. The assets are then transferred to a special purpose vehicle (SPV), which is a separate legal entity created specifically for the purpose of securitization. The SPV issues bonds or other securities backed by the cash flows from the underlying assets. These securities are then sold to investors in the secondary market. The cash flows generated by the underlying assets, such as mortgage payments, are used to make interest and principal payments to the holders of the securities.
Mortgage-backed securities played a significant role in the financial crisis of 2007-2008. During the housing bubble, there was an excessive issuance of mortgage-backed securities that were backed by subprime mortgages. These securities were based on high-risk loans that were improperly underwritten and had low credit quality. As the housing market collapsed and borrowers defaulted on their mortgages, the value of these securities plummeted. This led to significant losses for financial institutions holding these securities and triggered a broader financial crisis. The crisis highlighted the risks associated with securitization and the importance of proper underwriting and risk management in the securitization process.
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if a business goal is to understand whether or not customers are getting their issues solved, focus on this internal metric:
"If a business goal is to understand whether or not customers are getting their issues solved, focus on this internal metric:", you should focus on the metric called First Contact Resolution (FCR).
First Contact Resolution (FCR) is a key performance indicator (KPI) that measures the percentage of customer issues resolved during the first interaction with a customer service representative.
This metric is essential to understand how effectively and efficiently your support team is addressing customer concerns.
To calculate FCR, follow these steps:
1. Determine the total number of customer support interactions during a specific period (e.g., one month).
2. Identify the number of issues resolved on the first interaction during the same period.
3. Divide the number of issues resolved on the first interaction by the total number of customer support interactions.
4. Multiply the result by 100 to get the FCR percentage.
Monitoring and improving FCR can have several benefits, including increased customer satisfaction, reduced support costs, and increased customer loyalty.
By focusing on this internal metric, businesses can ensure they are effectively addressing customer issues and meeting their goal of understanding whether customers' problems are being resolved.
In conclusion, if a business goal is to understand whether or not customers are getting their issues solved, the internal metric to focus on is First Contact Resolution (FCR).
This metric will provide valuable insights into the effectiveness of your customer support team in resolving customers' issues during their first interaction.
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economics questions and answers
a copy company wants to expand production. it currently has 20 workers who share eight copiers. two months ago, the firm added two copiers, and output increased by 40,000 pages per day. one month ago, the firm added five workers, and productivity also increased by 25,000 pages per day. a copier costs about three times as much as a worker. assume these
Question: A Copy Company Wants To Expand Production. It Currently Has 20 Workers Who Share Eight Copiers. Two Months Ago, The Firm Added Two Copiers, And Output Increased By 40,000 Pages Per Day. One Month Ago, The Firm Added Five Workers, And Productivity Also Increased By 25,000 Pages Per Day. A Copier Costs About Three Times As Much As A Worker. Assume These
Hire another worker or purchase a new printer?
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A copy company wants to expand production. It currently has 20 workers who share eight copiers. Two months ago, the firm added two copiers, and output increased by 40,000 pages per day. One month ago, the firm added five workers, and productivity also increased by 25,000 pages per day. A copier costs about three times as much as a worker. Assume these increases in productivity per worker and productivity per copier are good proxies for future increases in productivity when hiring additional workers or purchasing additional copiers. Based on this information, the copy company should hire another worker in order to expand output.
Based on the information provided, the copy company should hire another worker to expand output.
This conclusion is based on the fact that adding two copiers increased output by 40,000 pages per day, while adding five workers increased productivity by 25,000 pages per day.
Since the cost of a copier is about three times the cost of a worker, it would be more cost-effective to hire another worker rather than purchasing a new copier. By doing so, the company can further increase its output and productivity.
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Answer the following questions about OBG Corp. by entering the appropriate amounts in the associated cells. All answers should be in U.S. dollars rounded to the nearest cent.QuestionAmount1. What is the value of OBG Corp.'s liability on April 19, Year 6?2. What is the value of OBG Corp.'s liability on December 31, Year 6?3. What is the value of OBG Corp.'s forward contract on December 31, Year 6?4. What is the financial gain or loss before settlement to OBG Corp. if the counter-party defaults?
The forward contract is worth $50,000. OBG Corp. would sustain a financial loss in the amount of $50,000 in the event of the counter-party's default. For the business, this would be a realised loss.
1. To find the value of OBG Corp.'s liability on April 19, Year 6, we need to look at the "Liabilities" column of the balance sheet for that date. Adding up all the amounts, we get a total liability of $750,000.
2. To find the value of OBG Corp.'s liability on December 31, Year 6, we again look at the "Liabilities" column of the balance sheet for that date. Adding up all the amounts, we get a total liability of $850,000.
3. To find the value of OBG Corp.'s forward contract on December 31, Year 6, we need to look at the "Derivatives" section of the balance sheet for that date.
The value of the forward contract is $50,000.
4. If the counter-party defaults, OBG Corp. would experience a financial loss equal to the value of the forward contract, which is $50,000. This would be a realized loss for the company.
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the famous thought leader who developed models for creating value and competitive advantage taught in business schools worldwide is ent
Michael E . Porter is a renowned thought leader and Bishop William Lawrence University Professor at Harvard Business School. He is known for his models of creating value and competitive advantage.
American scholar Michael Eugene Porter is renowned for his thoughts on economics, corporate strategy, and social concerns. He is a founder of the consulting company The Monitor Group as well as the social impact consultancy FSG as well as the Bishop William Lawrence University Professor at the Harvard Business School.
According to Porter's argument, a country's ability to compete in a given industry depends on that sector's ability to innovate and modernize. He developed a theory to explain why some countries have greater competition in particular industries.
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According to the leadership grid method of evaluating leadership styles, the organization should train its managers to demonstrate which kind of management behavior?
According to the Leadership Grid method of evaluating leadership styles, the organization should train its managers to demonstrate a high level of concern for both people and production.
Some important points about this are:
According to the Leadership Grid method of evaluating leadership styles, the ideal management behavior is the "Team Management" style, which is characterized by a high concern for both people and production. This style emphasizes collaboration, trust, and communication, and is based on the belief that motivated employees will be more productive.Managers who demonstrate a Team Management style focus on building strong relationships with their employees while setting high performance standards. They encourage their employees to participate in decision-making and provide opportunities for personal and professional growth. This style of management is effective in creating a positive work environment where employees feel valued and supported.Overall, the Leadership Grid method suggests that organizations should train their managers to demonstrate a Team Management style, as it is the most effective leadership style for achieving high productivity and employee satisfaction.
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What challenges might we face in case we chose profession that does
not meet our interest and capacity?
We can't enhance our best on that profession. Financial concerns, job uncertainty and worry of failure are all frequent challenges students face when selecting a career. The reality is, no one is aware of what the world will seem like 10 or 15 years from now.
Why is it tough to pick out a career path?Lack of Experience
Limited work trip is some other motive why you may find it hard to choose your profession path. There are situations when speakme with human beings who work in a profession you're involved in pursuing is not enough. You can overcome this hurdle by using potentially participating in additional training.
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False/True
False. Teams that have reached the performing stage still need to be vigilant about potential declines in performance.
While teams in the performing stage have achieved a high level of cohesion, collaboration, and effectiveness, it is not guaranteed that they will maintain their performance indefinitely. Several factors can contribute to a potential decline in performance. External factors, such as changes in the business environment, market conditions, or customer demands, can require teams to adapt and potentially face challenges in maintaining their previous level of performance.
Moreover, internal dynamics within the team can also affect performance. Changes in team composition, leadership, or conflicts among team members can disrupt the smooth functioning and collaboration, leading to a decline in performance. Additionally, complacency or a lack of continuous improvement efforts can hinder a team's ability to adapt to new challenges and maintain their high performance.
Therefore, it is crucial for teams in the performing stage to remain vigilant, monitor their performance, and actively address any potential factors that could lead to a decline. Continuous communication, learning, and adaptation are necessary to sustain high performance over time.
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A list of all account names used to record transactions of a company is referred to as a T-account
Answer:
chart of accounts. a list of all account names used to record transactions of a company.
external transactions. transactions the firm conducts with a separate economic entity.
general ledger. all accounts used to record the company's transactions.
journal
posting
T-account
trial balance
accounts
Home enterprises employs itzak to buy property for a possible residential development. Itzak secretly buys some of the property and sells it to home enterprises at a profit. Itzak has breached.
Itzak has breached Duty of loyalty
All decisions made by a corporation's directors and officers as corporate fiduciaries must be made without their capacity as corporate fiduciaries must be made without any personal or financial conflicts, according to the concept of the duty of loyalty. Loyalty duties may be violated by doing self-serving business or abusing commercial opportunities.
To fulfill their fiduciary responsibility of loyalty, a fiduciary must disclose all relevant facts before participating in a personality transaction and taking advantage of a commercial opportunity. Following that, either a majority of disinterested investors or a majority of uninterested directors must approve the transaction.
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Are imports to Russia subject to VAT?
Answer:
yes
Explanation:
they pay 20 percent and is paid directly to Russia
Answer:
The Russian import VAT 20% has to be paid. The tax has to be paid directly to the Russian customs .The customs is one of the contributaries of development.In and out of goods may charged at the same VAT of 20%.
By Sk.
Evidence suggests systematic HR practices have a(n) ______________ relationship with organizational performance. a. inconsistent, variable B. consistent, postitive c. inegligible d. undefined
The correct answer is B. consistent, positive. The evidence points to a consistent, positive relationship between systematic HR practices and organizational performance.
Research and evidence suggest that there is a consistent, positive relationship between systematic HR (Human Resources) practices and organizational performance. This means that organizations that have well-designed and implemented HR practices tend to achieve better performance outcomes.
Systematic HR practices encompass various aspects such as recruitment and selection, training and development, performance management, compensation, and employee relations. When these practices are effectively implemented, they contribute to the development and management of a high-performing workforce.
Studies have consistently found that organizations that invest in strategic HR practices, align their HR practices with organizational goals, and create a positive work environment tend to experience improved employee productivity, engagement, and overall organizational performance.
Organizations that prioritize and implement effective HR practices are more likely to achieve positive outcomes and enhance their overall performance.
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A firm sells 2000 units at £500 each. If fixed costs are £50,000 and variable costs are £100 per unit, calculate the total costs
Answer: £ 250,000
Explanation:
Given: Fixed costs = £50,000
Number of units=2000
Variable cost per unit = £100
Since Total variable cost = (Number of units) x (Variable cost per unit)
=2000 x ( £100)
= £200,000
We know that,
Total cost = Total fixed cost +Total Variable cost
= £ (50,000 + 200,000)
= £ 250,000
Hence, the total costs = £ 250,000
The changing use of ICT has had an impact on business. An example of this is the use of ____________________ ________________ to collect vast amounts
Answer:
ICT is use to collect vast amount of information about the person using technology
Explanation:
The ICT in business stands for Information and Computer Technology which includes all the technologies such media, mass communication, IT and etc
ICT is use to collect vast amount of information about the person using technology
ICT brings the huge benefits to the owner such as
ICT can store huge amount of informationrelative speed of processing the data is high.Less paper work and instant data sharing facility.Do an online search on team members in the workplace. Identify several types of group members. From your experience, identify other types of group members not mentioned in your online search. In four or more paragraphs, illustrate how you, as facilitator, would deal with each type of member. You may use the types mentioned in your research as well as those you identified.
What other things would you do as facilitator to ensure the team ran smoothly and efficiently?
Explanation:
A Guide to Effective Facilitation.
...
A good facilitator will:
Develop a detailed agenda after discussion with organization leaders. ...
Use participants' names. ...
Call on people in the order in which they raise their hands. ...
Make eye contact. ...
Use the ground rules (mutually agreed upon meeting rules for participation) early on.
A competent moderator will:
Following a conversation with the organization's executives, create a thorough agenda.Identify participants by name.As people raise their hands, call on them in that order.Establish eye contact.Use the ground rules, which are shared participation guidelines for meetings, as soon as possible.What is an online search?Online search is the interactive process of looking for and obtaining information from online databases using a computer. With the introduction of quicker databases and smart terminals in the 1980s, interactive searches became feasible. On the other hand, automated batch searching was widely used in the 1960s and 1970s. The bulk of internet searches done now are done via search engines. Supplemental reference transactions are frequently conducted online.
Online search is the interactive process of looking for and obtaining information from online databases using a computer. With the introduction of quicker databases and smart terminals in the 1980s, interactive searches became feasible. On the other hand, automated batch searching was widely used in the 1960s and 1970s. Today, the bulk of queries are made via search engines.
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Which of the following gas satisfaction measures wWhich of the following gas satisfaction measures would Be this for a company to use if they want to estimate how many customers might recommend them to their friends?
CES
CSAT
PSC
NPS
Answer:
Simple Random Sample
Explanation:
Paul won a lottery that will pay him $530000 at the end of each
of the next twenty years. Assuming an appropriate interest rate is
6% compounded annually, what is the present value of this
amount?
$64
The present value of the amount that Paul will receive is $6,070,000..
In order to determine the present value of Paul's $530000 lottery, we need to use the present value of an annuity formula.
This formula is:
PMT × [(1 - (1 / (1 + r)n)) / r]
Where PMT is the payment, r is the interest rate, and n is the number of payments.
We can plug in the given values to get:
PMT = $530000r = 0.06 (since the interest rate is 6%)
n = 20 (since the payments will be made for 20 years)
Now we can solve for the present value:
PMT × [(1 - (1 / (1 + r)n)) / r]= $530000 × [(1 - (1 / (1 + 0.06)20)) / 0.06]= $530000 × [(1 - (1 / 3.207135)) / 0.06]= $530000 × [0.686547 / 0.06]= $530000 × 11.442456= $6,070,000.16
So the answer is $6,070,000 (rounded to the nearest dollar).
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the types of milatary are safe
Answer: US Air Force and Navy
Explanation:
In two to three entence, decribe how you would inert a table into a word-proceing document
The process is to click Paste on the toolbar. Click Table. Select one of the available options according to your preference.
Tables are used to organize data that is too detailed or too complex to be adequately explained in the text allowing the reader to quickly see the results. You can use these to highlight trends and patterns in your data, and remove numeric data from text to make your manuscript easier to read.
Properly crafted tables allow researchers to present information about tens or hundreds of people in an efficient and visually appealing manner, making results easier to understand and generate. information is more attractive to users. It helps to arrange the data in an orderly manner. Tables facilitate comparisons between different data classes. It helps you easily understand your data.
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If your answer is zero, enter "O". a. Under a 2017 divorce agreement, Joan is required to pay her ex-husband, Bill, $2,340 a month until their daughter is 18 years of age. At that time, the required payments are reduced to $1,638 per month 1. How much of each $2,340 payment may be deducted as alimony by Joan? 2. How much of each $2,340 payment must be included in Bill's taxable income? 3. How much would be deductible/included if the divorce agreement were dated 2019? b. Under the terms of a property settlement executed during 2018, Jane transferred property worth $577,350 to her ex-husband, Tom. The property has a tax basis to Jane of $461,880 1. How much taxable gain must be recognized by Jane at the time of the transfer? 2. What is the amount of Tom's tax basis in the property he received from Jane?
Answer:
$2,400 in 2019 are deductible as alimony.
Step-by-step explanation:
Hillary get divorced in the year = 2016
She has to pay her ex-spouse $200 per month until her son reaches 18 years of age in 7 years.
His son will reach of the age of 18 = 2016 + 7 = 2023
She has to pay $200 till 2023 and $120 thereafter.
Her payments are deductible as alimony in 2019 would be = $200 × 12
= $2,400
$2,400 in 2019 are deductible as alimony.
$2,400 in 2019 are deductible as alimony.
Hillary get divorced in the year = 2016
She has to pay her ex-spouse $200 per month until her son reaches 18 years of age in 7 years.
His son will reach of the age of 18 = 2016 + 7 = 2023
She has to pay $200 till 2023 and $120 thereafter.
Her payments are deductible as alimony in 2019 would be = $200 × 12 = $2,400
What is an alimony?Alimony is a legal obligation on a person to provide financial support to their spouse before or after marital separation or divorce. The obligation arises from the divorce law or family law of each country. The purpose of alimony is to limit any unfair economic effects of a divorce by providing a continuing income to a non-wage-earning or lower-wage-earning spouse.
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Medicare is a government program funded by tax dollars to:
A-provide health insurance to children in a recount
B-provide health insurance to working adults
C-provide hospital insurance for those over 65
Answer: C
Explanation: Trust me
What economic system emerged during the industrial revolution.
Answer:
Capitalism
Explanation:
Explain effective demand in your
own words
Explanation:
Effective demand refers to a situation in which equilibrium output is determined solely by the level of aggregate demand. This is because of the assumption that supply is perfectly elastic. If there exists any difference between AD and AS, the equilibrium output will be determined only by AD.
you are responsible for collecting multiple reports across departments and synthesizing them into a final presentation for your boss to present at a company board meeting. the meeting is two days out, and department a still hasn't submitted its report despite multiple requests by you. how should you proceed?
I would proceed by making a visit to department A and insist that they complete the report within 24 hrs.
As I am responsible for collecting multiple reports across departments and synthesizing them into a final presentation, the report without including department A is unfair. The Boss can’t complete the presentation without the report or information from department A. It doesn’t matter whether the report from department A is vital to the presentation or not. It is my responsibility to collect the information and make a report for the boss to present at a company board meeting. Thus I will make a visit to department A and insist they complete the report within 24 hours, also I will send a mail to department A through the official channel mentioning the delay in submitting the report for a long time, also put a Carbon Copy of the mail to the boss just to get his attention on this serious issue. Then only there will be no mistake on my part.
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Which of the following is a common way to describe a product that is being offered for sale? (Select the best answer.)
Which of the following is a common way to describe a product that is being offered for sale? (Select the best answer.)
In business
On exchange
On the market
In the market
Answer:
On the market
Explanation:
On the market is the phrase that refers to items that have been offered to the market for sale. When an item has been labeled 'on the market,' it means the item is available for sale. Buyers are invited or welcomed to buy.
In the market is when a buyer is shopping for an item to buy. In the market for a car mean they are looking for a car to buy.
a company has designed a new product and tested the prototype. what is the next step in product development?
Answer:
They have to test it before it can be put out on the market
Which of the following examples is NOT a great way to improve your credit score?
A. Taking a loan of $40,000 to pursue an undergraduate degree in business management from a high performing university
B. Paying bills in full and before they are due
C. Applying for a credit card at age 19 with a low limit and savings tools
D. Taking out a massive loan on a luxury vehicle that is over budget
Option D, taking out a massive loan on a luxury vehicle that is over budget, is NOT a great way to improve your credit score.
Option D is not a great way to improve your credit score. Taking out a massive loan on a luxury vehicle that exceeds your budget can lead to financial strain and potentially missed or late payments, which can negatively impact your credit score. It is important to borrow within your means and ensure that you can comfortably make the loan payments on time.
In contrast, options A, B, and C are generally good strategies for improving your credit score. Option A, taking a loan for pursuing education, can be beneficial if it leads to increased earning potential.
Option B, paying bills in full and before they are due, demonstrates responsible financial behaviour and can help establish a positive credit history. Option C, applying for a credit card at a young age with a low limit and savings tools, allows for building a credit history and developing good credit habits if used responsibly.
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Click this link to view O*NET’s Tasks section for General and Operations Managers. Note that common tasks are listed toward the top, and less common tasks are listed toward the bottom. According to O*NET, what are some common tasks performed by General and Operations Managers? Check all that apply.
filing paperwork and entering data into computers
researching, purchasing, installing, and maintaining computers and office technology
reviewing financial statements, sales and activities reports, and other data
overseeing activities related to making products or providing services
managing staff, preparing work schedules, and assigning duties
directing and coordinating activities of businesses or departments
Answer:
C). Reviewing financial statements, sales, and activities reports, and other data
D). Overseeing activities related to making products or providing services .
E). Managing staff, preparing work schedules, and assigning duties
F). Directing and coordinating activities of businesses or departments.
Explanation:
The general and operations managers are responsible for managing the use of resources in the organization and supervising the budget and finances. He/she assesses the financial statements associated with sales, activity reports, and other data related to the projects going on. He/she also looks after the activities associated with making products or dispensing services, preparation of work schedules, managing the staff, assigning responsibilities to them, and directing the staff appropriately to ensure coordination among various activities that are going on at different levels and departments which helps in collectively bringing out the desired output for the organization. Thus, options C, D, E, and F are the correct answers.
Answer:
3,4,5 and 6
Explanation:
3. reviewing financial statements, sales and activities reports, and other data
4. overseeing activities related to making products or providing services
5. managing staff, preparing work schedules, and assigning duties
6. directing and coordinating activities of businesses or departments
Done on Edg Jan.2021
Which of the following is not a form of business combination?: (A) Acquisition. (B) S Corporation. (C) Conglomerate. (D) Merger.
Answer:
b.corporation is answer________ is the alteration of economic or financial fundamentals that are thought to be drivers of capital to flow in and out of specific currencies. A) Indirect Intervention B) Direct Intervention C) Foreign Direct Investment D) Capital Controls
The alteration of economic or financial fundamentals that are thought to be drivers of capital to flow in and out of specific currencies D) Capital Controls
Capital controls refer to the alteration of economic or financial fundamentals that are believed to influence the flow of capital into and out of specific currencies.
Capital controls are measures implemented by governments or central banks to regulate the movement of capital in and out of a country. These measures can include restrictions on currency conversion, limits on foreign investment, taxes or tariffs on capital flows, and other regulatory policies.
The controls can discourage or encourage capital inflows and outflows based on the desired economic objectives.
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There is a borrower who wants to run a project that requires an investment of $100. The project is expected to succeed with 90 percent chance and get a gross revenue of y=$150 When the project fails, the borrower gets the limited liability protection . On the lender's side, gross cost of lending is $100 as there is no overhead cost. Using the information provided , compute the threshold interest rate that the lender should charge to break even?
The threshold interest rate that the lender should charge to break even is approximately 185.71%.
To compute the threshold interest rate that the lender should charge to break even, we need to consider the probabilities and outcomes associated with the project's success and failure.
1. Compute the expected revenue:
The project has a 90% chance of success, which means the borrower has a 90% chance of earning $150 in gross revenue. So, the expected revenue is 0.9 * $150 = $135.
2. Compute the expected cost:
The lender incurs a cost of $100 for lending the money. Since there are no overhead costs, the expected cost is $100.
3. Compute the expected return:
The expected return is the difference between the expected revenue and the expected cost. So, the expected return is $135 - $100 = $35.
4. Compute the threshold interest rate:
The threshold interest rate is the rate at which the expected return is equal to zero, meaning the lender breaks even. To compute this, we need to find the rate that makes the present value of the expected return equal to zero.
Using the formula for present value, we can set up the equation:
$35 / (1 + r) = $100
Simplifying the equation, we get:
1 + r = $100 / $35
1 + r = 2.8571
r = 1.8571
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