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where we estimate 70-90% of debt is long-term
document *Assumes end to interest deductibility only applies ta new debt House Oversight Committee — Epstein Estate Records (Nov 2025)

where we estimate 70-90% of debt is long-term.

Exhibit 76: Emerging Market Currency Valuation
document IMAGES-003-HOUSE_OVERSIGHT_014598.txt Nov 30, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

Exhibit 76: Emerging Market Currency Valuation Despite the recent rally, emerging market currencies remain undervalued against the US dollar. Average Deviation from Fair Value vs. US Dollar (%) 20 4 EM Currencies Overvalued on Average “25 2008 2008 2010 2011 2012 2013-2014 =....

We estimate that it is in 3yly, 2y2y and 2y1ly that the selloff would be largest (75-85bp
document IMAGES-003-HOUSE_OVERSIGHT_014759.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

We estimate that it is in 3yly, 2y2y and 2y1ly that the selloff would be largest (75-85bp — see Table 5) were the OIS curve to align with the median dots up to end of 2019. Options are attractive to position for a selloff in those forwards for two main reasons: 1. Volatilities...

Morgan Stanley | RESEARCH
document IMAGES-008-HOUSE_OVERSIGHT_025557.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Morgan Stanley | RESEARCH On average the group currently trades at 10.8x on 2018e EPS with an average effective tax rate for economic net income (the metric NORTH AMERICA INSIGHT ~~ Exhibit 4: Breakeven P/E multiple expansion of 2.1x required to offset 16% lower earnings in a...

We estimate that a 20% decline in electronic sales would result in a 5% direct decline in
document IMAGES-003-HOUSE_OVERSIGHT_016173.txt Jun 30, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

We estimate that a 20% decline in electronic sales would result in a 5% direct decline in gross profit. However, this ignores the other negative effects of other product categories due to a weaker footfall trend. More entertainment in KSA, less attraction for Jarir’s stores In...

priceline.com (PCLN)
document IMAGES-003-HOUSE_OVERSIGHT_014943.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… a strong technological platform, relationships with CPGs and a platform that is slowly spreading across grocers in the U.S. Downside risks are: 1} further delays in point-of-sale system rollout with retailers, 2) loss of major retailers or CPG, 3) higher-than-expected R&D and S...

Norfolk Southern (NSC)
document IMAGES-003-HOUSE_OVERSIGHT_014638.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Norfolk Southern (NSC) Our $122 price objective is based on a 19.5x multiple on our 2017 EPS estimate of $6.25. We move above the top of its one-standard deviation historical trading range of 12x-16x given the new management team's move to improve margins, cut costs, and raise i...

Rationalization of subsidies for water and electricity
document IMAGES-003-HOUSE_OVERSIGHT_016170.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Rationalization of subsidies for water and electricity The sweeping energy, water and electricity administered price changes introduced in December 2015 are a first step in the five-year fiscal consolidation and economic transformation strategy. We expect further reviews of ener...

education providers. According to Harris Nesbitt Research, industry experts estimate that the $21.8
document IMAGES-008-HOUSE_OVERSIGHT_024501.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… Charter Schools and Virtual Academies. There has also been a significant rise in the number of charter schools in the U.S. in the past decade. Since Minnesota first enacted legislation in 1991, 40 states and the District of Columbia have passed charter school legislation. Under...