For which of the following judgments may an independent auditor share responsibility with an entity's internal auditor who is assessed to be both competent and objective? 
Definitions:
Net Present Value
A method used in capital budgeting to appraise the profitability of an investment, considering the time value of money.
Auto Loan Payments
Regular payments made over a period to repay borrowed money used to purchase a vehicle, typically including both interest and principal.
Earnings Loss
Earnings loss refers to the decrease in income or profits, often due to external factors, operations, or changes in demand.
Productivity
A measure of the efficiency of production, expressed as the ratio of output to inputs used in the production process.
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