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  "documentTitle": "Clover Health | Investor Day Presentation Deck | 47 slides",
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      "text": "The Clover Assistant has helped to drive an 1,100 bp differential in Q1 2020 MCR. Our Q1 2020 Clover Assistant MCR of 82% supports our ability to offer a 3.0 Star PPO product at lower than HMO costs. Our platform is still in its early innings. We believe there is meaningful incremental reduction in MCR beyond even Star ratings improvements.",
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      "text": "Note: MCR is not a direct equivalent of the federal MLR. CMS does not regulate MCR... (1) Theoretical minimum MCR... (2) Based on company analysis...",
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      "text": "Step 3: Improved Decision-Making Yields Enhanced Outcomes And Unit Economics",
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