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7. A bank which starts with ALL of $15 million at the beginning of the year, charges off worthless loans of $7 million during the year, recovers $2.9 million on loans previously charged off and charges current income for $1.3 million provision for loan losses. The bank will have an ALL at the end of year of? (1 Point) 12.10 O 12.20 O 12.30 O 12.40