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The value of the determinant is
Credit Information
Data that relates to the creditworthiness of an individual or company, including transaction history and financial behavior.
Ethical Obligation
A moral responsibility or duty that guides individuals' actions and decisions, often determined by societal norms or professional guidelines.
Legal Obligation
A duty bound by law, requiring individuals or organizations to act or abstain from acting in a specified manner.
Merchandise
Goods that are bought, sold, or traded, often within the context of retail.
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