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Bibliography 
Blums, M. (2003) D-Score: Bankruptcy Prediction Model for Middle Market Public Firms. Macalester College.

Wilcox (1971) A Simple Theory of Financial Ratios as Predictors of Failure, Journal of Accounting Research, 389-395.

Merton, R. C. (1973) Theory of Rational Option Pricing, Bell Journal of Economic and Management Science 4, 141-83
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