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      "text": "The legal and regulatory requirements applicable to Hagerty's business are extensive. If the company is not able to comply, it could have an adverse effect on the company. Extensive regulation and potential further restrictive regulation could increase Hagerty's operating costs and limit the company's growth.\nNew legislation or legal requirements impacting the internet and the applicable use of mobile applications may affect how Hagerty communicates with customers and could have an adverse effect on the company's business model, financial condition, and operations.\nFuture regulatory changes could limit or impact Hagerty's business model.\nHagerty's intellectual property rights are extremely valuable and if they are not properly protected, the company's products, services, and brand could be adversely impacted.\nNew legislation or legal requirements impacting the use of petroleum-based and/or supporting autonomous vehicles could significantly challenge and impact Hagerty's core insurance model and company purpose.",
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