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  "notes": "The table includes 14 distinct metrics tracked across 8 quarters and 2 annual totals.",
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      "text": "1 Hagerty's full year 2022 loss ratio of 45.3% includes the $10.0 million impact from Hurricane Ian (2.5%) and increased U.S. reserves of $6.5 million (1.6%). 2 Metrics measured as of the end of the period. 3 See Appendix for additional information regarding these non-GAAP financial measures.",
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