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$If$ the homeowner's policy covers $75\%of$ the replacement cost and the actual cash value $of$ the loss $is$ $$20,000,$ what would $be$ the amount $of$ recovery $if$ the repair costs amount $to$ $$28,000?$

Actual cash value: $$20,000$

Repair costs: $$28,000$

Coverage percentage: $75\%$

Replacement cost: $?$

Amount $of$ recovery: $?$