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find a closed form for the generating function for the sequence.
-0, 0, 0, 1, 1, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, . . .
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A type of mortgage loan where the interest rate can change over time based on an index or benchmark.
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Individuals or entities with low credit ratings, indicating a higher risk of default to lenders.
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