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He has been employed by GCD Enterprises for 15 years, and currently earns 60,000 a year. He saves 15,000 per year. Plans to pay off

He has been employed by GCD Enterprises for 15 years, and currently earns 60,000 a year. He saves 15,000 per year. Plans to pay off home at retirement and live debt free. Currently spends 12,000 per year on mortgage. Wage replacement Ratio?

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