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      "text": "The allowance balance increased by $867M. Our build in the quarter was primarily driven by 3 factors: The first factor is the impact of underlying growth in the quarter. The second factor is the impact of removing the relatively lower loss content from the first quarter of 2023 and replacing it with higher forecasted loss content for the first quarter of 2024. And finally, the third factor was the impact of acquiring the BJ's portfolio in the quarter. (Capital One)",
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