The graph of the following curve is given.Find the area that it encloses. 
Definitions:
Collateral
Assets pledged by a borrower to secure a loan or credit, which can be seized if the loan is not repaid.
Debt Amount
The total sum of money that is owed by an individual, company, or other entity.
Federal Exemptions
Provisions within federal law that allow individuals or entities to be excluded from certain rules, obligations, or liabilities.
State Law
The body of law enacted by each state in the United States, governing within its own territory outside of federal regulations.
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