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      "text": "1. Leverage on G&A Expense: Benefits from scaling platform and efficiency. 2. Operations and Support: Increased operational efficiency from economics of scale, automation, and opportunistic investment. 3. Marketing Efficiency: Leverage on investment in brand development and continued seasoning of customer base.",
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      "text": "(1) This is a non-GAAP financial measure. Please refer to page 35 for definitions.",
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