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The financial organization's perceived .9 level of risk falls, due perhaps to (perhaps because it has further diversified its service offerings and expanded the number

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The financial organization's perceived .9 level of risk falls, due perhaps to (perhaps because it has further diversified its service offerings and expanded the number of markets it serves) and, therefore, has a lower equity risk premium 2 (2 ) an increase in equity capital a decrease in its loan losses the perception of investors that the institution is less risky overall all of the above none of the above

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