What is the product,Z,of the following reaction sequence? 
Definitions:
Federal Exemptions
Specific assets or income types that are protected or exempt from seizure under federal law during bankruptcy.
Insolvency
Refers to the financial condition where an entity can not meet its debt obligations as they come due.
Consecutive Years
Years that follow one after another without interruption.
Involuntary Bankruptcy
A legal process initiated by creditors to force a debtor into bankruptcy proceedings, in order to recoup debts owed by liquidating the debtor's assets.
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