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Why did we use an off-balance factor in question Spring 2019 q#4a but NOT in Fall 2015 q#1b?
I believe we are also doing an off-balance in Fall 2015 q#1b by multiplying by 1 and dividing by 0.97 in column 6.
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I believe we are also doing an off-balance in Fall 2015 q#1b by multiplying by 1 and dividing by 0.97 in column 6.