Your local bike shop is having a sale. The shop needs to make room for the 2009 models and all 2008 models are on sale. The shop has a store wide sale and has reduced all 2008 models by 23%. In addition, you found a flier for the shop offering an additional 12% off the 2008 Bianchi, Via Nirone. Determine the decay factor corresponding to each percent decrease.
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