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As a cloud architect for an e-commerce company, you are tasked with developing a comprehensive disaster recovery (DR) strategy for the company's cloud-hosted transaction processing system. This system is critical for daily operations, and any significant downtime could result in substantial revenue loss and damage to customer trust. When establishing the Recovery Time Objective (RTO) for this system, which factor must be carefully assessed to ensure business continuity and minimize financial impact in the event of a disaster?