You are working on setting up a new filing system, and need to know which k-th letter occurs most frequently among the names of your clients. Given String[] names, each element of which contains the name of a client, and int k, the 1-based index of the character to examine, return a String indicating the k-th letter that appears most often. Ignore any names containing less than k characters. If multiple k-th letters appear the same number of times, return the one among them that comes first alphabetically.
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