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This video provides some insight into the data used in the justification of qualitative and environmental factors. Many institutions use Federal Reserve Economic Data, specifically the unemployment rate to denote improvements or declines in the economy. For changes in the value of underlying collateral for collateral specific loans, many institutions use market data such as Case Shiller. The most important item to note is that the use of this data must be done in a consistent manner. Examiners will not only want to see the supporting documentation behind your assumptions, but also evidence that you have been consistent with your assumptions from period to period.