TOWARDS A PROPOSED MODEL FOR MEASURING HIDDEN FUTURE COSTS USING RANDOM FORESTS ENHANCED BY CLUSTER ANALYSIS AND ITS IMPACT IN COST SYSTEM FLEXIBILITY AND BUDGET DYNAMICS: AN APPLIED STUDY IN AL-RASHEED BANK. Wor.econo. and fin. Bul. 2025;49:86-106. Accessed April 17, 2026. https://www.scholarexpress.net/index.php/wefb/article/view/5451