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. (2025). World Economics and Finance Bulletin, 49, 86-106. https://www.scholarexpress.net/index.php/wefb/article/view/5451