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  "notes": "The slide uses a consistent color scheme where 2021 is highlighted in red to emphasize recent performance.",
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      "text": "1. EBITDA is a non-GAAP measure. For a definition of EBITDA and a reconciliation to the most comparable GAAP measure, please see the appendix.\n2. Pre-tax ROE is a non-GAAP measure. For a definition of pre-tax ROE and a reconciliation to the most comparable GAAP measure, please see the appendix.",
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