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  _  _    __   __     _____    _____     _____   
 | \| ||  \ \\/ //   / ___//  |  ___||  / ____|| 
 |  ' ||   \ ` //    \___ \\  | ||__   / //---`' 
 | .  ||    | ||     /    //  | ||__   \ \\___   
 |_|\_||    |_||    /____//   |_____||  \_____|| 
 `-` -`     `-`'   `-----`    `-----`    `----`

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Text this: Dynamic Model of Losses of a Creditor with a Large Mortgage Portfolio