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The Bruins will need a high rate of return on the 12 transfers they brought in to bolster their defense.

Not surprisingly, the rate of return to peak performance drops from the first Tommy John to the second.

That’s because they get to recover that cost — plus an annual rate of return — through rates billed to all customers.

This was a form of discounting, the now-common technique for evaluating the present and future value of money by assuming a certain rate of return on that money.

“Compared to just putting your money in a savings account, the rate of return is higher,” she said.