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  "notes": "The chart uses a dual-axis approach to show cost efficiency and margin expansion simultaneously.",
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      "text": "Limited variable expense due to B2B2C model with no customer acquisition costs",
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      "text": "(1) Total units in projection period calculated by assuming a $35.5k average loan size for Solar and $14.5k average loan size for Home Improvement. (2) Excludes depreciation & amortization. (3) Includes loan facilitation expenses. (4) See “Adjusted EBITDA Bridge” and “Memo” on page 29 and descriptions of “Adjusted EBITDA” and “Adjusted EBITDA Margin” on page 40 for details. (5) Annualized based on 3Q 2020 actual and 4Q 2020 estimated metrics. (6) Refers to end consumers.",
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