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3 “... of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted...”

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5 “... Visiting Professor of Finance at Georgetown University’s McDonough School of Business. Formerly...”

6 “... smoothing methods. J.Keith Ord is a Professor in the McDonough School of Business, Georgetown University...”

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8 “.... Richard F. America is Professor of Practice Emeritus in the McDonough School of Business at Georgetown...”