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      "text": "legislative or regulatory changes, particularly changes in regulation of financial services companies; increased costs of compliance, heightened regulatory capital requirements and other risks associated with changes in regulation and the current regulatory environment; negative changes in our capital position; the adverse effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as epidemics and pandemics (including COVID-19), war or terrorist activities, including the war in Ukraine, essential utility outages, deterioration in the global economy, instability in the credit markets, disruptions in our customers' supply chains or disruption in transportation; changes in trade policy and any related tariffs; and each of the factors and risks under the heading \"Risk Factors\" in our 2021 Annual Report on Form 10-K, in our 2021 Form 10-Qs, and in subsequent filings we make with the SEC.",
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