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  "notes": "The slide provides a bridge between GAAP and managed-basis metrics for four specific financial ratios.",
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      "text": "The following table sets forth a reconciliation between GAAP results and non-GAAP managed-basis results for 2009.",
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      "text": "(a) Risk-adjusted yield is equal to interest and fees on loans as a % of average loan receivables less net charge-offs as a % of average loan receivables.",
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