Given the following information, what is the value of d2 as it is used in the Black-Scholes Option Pricing Model? 
Definitions:
Net
Typically refers to the amount remaining after certain deductions are made, such as net income or net profit.
Variable Cost
Costs that vary directly with the level of production or sales volume, such as raw materials and direct labor.
Carrying Cost
The total cost associated with holding inventory, including storage, insurance, taxes, and potential obsolescence.
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