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  "notes": "The table shows percentage increases/decreases for various financial line items, adjusting for equity investment gains/losses, litigation provisions, restructuring charges, and currency impacts.",
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      "text": "Diluted earnings per share: 23%",
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      "text": "Note: Figures may not sum due to rounding. ** Not applicable. 1 Represents Q3'25 net pre-tax gains of $41 million and Q3'24 net pre-tax losses of $62 million primarily related to unrealized fair market value adjustments on marketable and nonmarketable equity securities. 2 Represents Q3'25 pre-tax charges of $83 million primarily related to a legal provision associated with the U.S. liability shift litigation. 3 Represents Q3'24 pre-tax charges of $176 million primarily as a result of a change in estimate related to the claims of merchants who opted out of the U.S. merchant class litigation. 4 Represents Q3'24 pre-tax charge of $190 million as a result of a restructuring action intended to streamline our organization, delivering efficiencies to enable reinvestment in our business to support the realization of our long-term growth opportunities. 5 Represents the translational and transactional impact of currency and the related impact of the company's foreign exchange derivative contracts designated as cash flow hedging instruments (specifically those that manage the impact of foreign currency variability on anticipated revenues and expenses).",
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      "text": "Three Months Ended September 30, 2025 as compared to the Three Months Ended September 30, 2024 Increase/(Decrease) Operating expenses Operating income Operating margin Effective income tax rate Net income Diluted earnings per share Reported - GAAP 5% 26% 4.5 ppt 5.9 ppt 20% 23% (Gains) losses on equity investments 1 ** ** ** 0.2 ppt (3)% (3)% Litigation provisions 2,3 3% (3)% (1.4) ppt (0.7) ppt (2)% (2)% Restructuring charge 4 7% (5)% (2.6) ppt (0.3) ppt (5)% (5)% Adjusted - Non-GAAP 15% 18% 0.5 ppt 5.1 ppt 10% 13% Currency impact 5 (1)% (3)% (0.3) ppt (0.5) ppt (2)% (2)% Adjusted - Non-GAAP - currency-neutral 14% 15% 0.2 ppt 4.6 ppt 8% 11%",
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      "text": "Appendix A (continued) Non-GAAP Reconciliation",
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