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In a factor model, the return on a stock in a particular period will be related to
Outstanding Checks
Checks that have been written and recorded in the issuer's account but have not yet been cashed or deposited by the recipient.
Bank Service Charges
Fees charged by a bank to its customers for account maintenance and other banking services.
NSF Check
A check that has been returned by a bank because it cannot be cashed due to insufficient funds in the account it was drawn against.
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