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If the homeowner's policy covers $60\%$ of the replacement cost and the actual cash value of the loss is $$21,000,$ what would be the amount of recovery if the repair costs amount to $$37,000?$

Actual cash value: $$21,000$

Repair costs: $$37,000$

Coverage percentage: $60\%$

Replacement cost: $?$

Amount of recovery: $?$