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If the homeowner's policy covers $40\%$ of the replacement cost and the actual cash value of the loss is $$12,000,$ what would be the amount of recovery if the repair costs amount to $$20,000?$

Actual cash value: $$12,000$

Repair costs: $$20,000$

Coverage percentage: $40\%$

Replacement cost: $?$

Amount of recovery: $?$