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      "text": "1. Novantas 2019 US Shopper Survey. Calculation derived from responses from 5,580 prospective switchers...\n2. Percentage change in attrition rate between 2014 - 2019 for Consumer Bank deposit households...\n3. Retention based on mature attrition...\n4. An engaged Card customer is defined as an account with payment rate >15% in the last 6 months",
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