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In general, the total profitability can be separated into the following three components: shareholder, bondholder and stakeholder profitability ROOA (core), FLEV(financial) and OLLEV (operating liability)

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In general, the total profitability can be separated into the following three components: shareholder, bondholder and stakeholder profitability ROOA (core), FLEV(financial) and OLLEV (operating liability) systematic, idiosyncratic and unique profitability a) and c) only all of the above

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