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      "text": "Note: Reconciliation of non-GAAP to GAAP financials for 2017 through 2020 located in Appendix pages 40-42. 1. Hamdani, Kausar, et al. \"UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints,\" NewYorkFed.org, 2019. 2. As of 4/2/21. 3. Adj. EBITDA pro forma for fair market value accounting",
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