. . . "ize of the sample is n=4k2s2/d2, and wherein s is an estimated yearly retention rate, d is about in the range of 0.02 to 0.03, and k is a level of significance of about 1.96; (I) identified outliers in the plurality of financial assets; (J) exogenous variables included in at least one of the calculations, wherein the exogenous variables are selected from the set of seasonal variables, day-of-the-m" .