A risk practitioner is supporting a business impact analysis (BIA) for a mid-sized insurer. Two applications are being evaluated: a claims-processing system that generates most revenue but can tolerate up to 24 hours of downtime before material financial loss, and an internal HR portal that has near-zero revenue impact but must be restored within 4 hours to meet a labor regulation. Management wants to use the BIA to prioritize recovery investment. Which factor should MOST influence the recovery time objective (RTO) assigned to each system?