Write the transpose of matrix A. 
Definitions:
Efficiency Gains
Improvement in the performance of a task, process, or system that leads to a reduction in resource usage, cost, or time required.
Z-score Model
The Z-score model is a financial model that predicts the probability of bankruptcy of a firm based on various balance sheet figures and market measures.
Financial Ratios
Quantitative measures derived from financial statement data used to evaluate a company's financial performance, financial health, and to compare it with other businesses or the industry average.
Default Risk
The possibility that a borrower will be unable to make the required payments on their debt obligations.
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