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      "text": "1. Field sales formerly referred to as “Retail.” Centralized sales formerly referred to as “Consumer Direct”\n2. Field sales coverage includes low to moderate income areas\n3. Cost per loan includes all Consumer origination costs\n4. Home Lending salesforce productivity covers Field and Centralized and is calculated as the change in dollars funded between 2018 - 2019 divided by the change in Consumer sales average headcount between 2018 - 2019\n5. Majority driven by non-performing volume reduction and operational efficiencies",
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