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            "text": "Source of Risk: Financial Risk (Cont.)",
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            "text": "Cost and Availability of Debt Capital"
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            "text": "Money or capital that comes from sources outside of the operation such as bank loans"
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            "text": "Work with your lender to create a solid relationship and reduce your financial risk when:"
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            "text": "a.) There's an increase in interest rates or interest expenses from variable rate loans"
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            "text": "b.) You need to borrow and access credit to maintain flexibility"
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