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      "Add a Complication slide between p.3 and p.4 that names the macro/competitive tension (rates, federal program shifts) so the strategy on p.11-15 reads as a Resolution, not a list",
      "Move ESG (p.16) and detailed quarterly financials (p.17) into the appendix block, and end the main narrative on a single 'why now' / call-to-action slide after p.15",
      "Rewrite topic-label titles into action titles — e.g., p.6 → 'Delinquencies improved to 3.40% as funding mix shifted to deposits'; p.17 → 'Q-on-Q earnings power held despite rate headwinds'"
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      "Quantified callouts attached to slides (e.g., 44% buyback on p.15, $2.4B originations on p.5) give the narrative concrete proof points"
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      "to": 8,
      "label": "Cost Of Inaction",
      "description": "What are the consequences of not investing in Sallie Mae?"
    }
  ]
}