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Unrealized holding gains and losses on debt securities available-for-sale would have the following effects on retained earnings: a. b. Gains Increase No change No change

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Unrealized holding gains and losses on debt securities available-for-sale would have the following effects on retained earnings: a. b. Gains Increase No change No change Increase Losses No change Decrease No change Decrease C. d. OA A) Option a. B) Option b. C) Option c. OD) Option d

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