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According to the text, the steps of developing an information system, in their proper order, are:
Utrecht Psalter
A highly important and influential illustrated manuscript produced in the Carolingian Empire around the 9th century, known for its unique pen drawings illustrating Psalms.
Risk Aversion
A dislike of uncertainty.
Bad Things
Negative events, actions, or outcomes that are undesirable or harmful.
Present Value
The amount of money today that would be needed to produce a future amount of money, given prevailing interest rates.
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