“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, pp. 86–106. Available at: https://www.scholarexpress.net/index.php/wefb/article/view/5451 (Accessed: 18 April 2026).