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 _    _     ______    ______    _____     ______  
| |  | ||  /_   _//  /_____//  |  ___||  /_____// 
| |/\| ||   -| ||-   `____ `   | ||__    `____ `  
|  /\  ||   _| ||_   /___//    | ||__    /___//   
|_// \_||  /_____//  `__ `     |_____||  `__ `    
`-`   `-`  `-----`   /_//      `-----`   /_//     
                     `-`                 `-`

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