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  "notes": "Includes footnotes regarding Hurricane Helene impact, measurement timing, and non-GAAP disclosures.",
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      "text": "1 Hagerty's Q3 2024 loss ratio and combined ratio of 60.0% and 107.7%, respectively, includes the impact from Hurricane Helene. 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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