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If the homeowner's policy covers $80\%$ of the replacement cost and the actual cash value of the loss is $$18,000,$ what would be the amount of recovery if the repair costs amount to $$32,000?$

Actual cash value: $$18,000$

Repair costs: $$32,000$

Coverage percentage: $80\%$

Replacement cost: $?$

Amount of recovery: $?$