| http://www.w3.org/ns/prov#value | - obligation - A debt. operating expenses - All expenses except dividends and interest, non-operating losses, loan-loss provisions, and reserve transfers. operating margin - Gross spread minus operating expenses and mandatory reserve transfers. origination - Purpose of the prepara-tion, evalutaion, and submission of a proposed mortgage loan package. origination fee - Fee charged for the work involve
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