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5. Mrs. Cykman's credit card was stolen, and she did not realize it for several days. The thief charged a $440 watch while using it.

5. Mrs. Cykman's credit card was stolen, and she did not realize it for several days. The thief charged a $440 watch while using it. According to the Truth-in Lending Act, at most how much of this is Mrs. Cykman responsible for paying

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