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  "documentTitle": "2023 Investor Day E2E",
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      "text": "Karma Guarantee conversions in Credit Cards and Personal Loans grew 5x from July 2022 to July 2023. Additional partners continue to launch Lightbox offers. The number of partners with Lightbox offers grew by nearly 20% YoY in July 2023, and partners see ~2x average approval rate for members who apply for credit cards through Credit Karma vs. off platform.",
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      "text": "Lightbox is Credit Karma’s proprietary technology that allows lenders to deploy their underwriting criteria in an encrypted model-building environment. With Lightbox, we can layer additional innovations such as Karma Guarantee, in which members are either approved or they receive a $50 payment, and Easy Apply, which allows for an embedded application process.",
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