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  "notes": "The chart uses a waterfall bridge format to explain the variance in ACL over the year.",
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      "text": "Applied Moody’s Analytics December 2023 single macroeconomic alternative (S7) scenario for economic forecast. Reserve builds driven by increases in specific reserves and net portfolio changes, partially offset by improvements to the U.S. economic outlook since the prior quarter. ACL % of Loans HFI excluding broker-dealer margin loans and mortgage warehouse loans equated to 1.47% as of December 31, 2023",
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