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      "text": "1. Average of quarterly delinquency data\n2. Average of monthly FPD data (new and refi)\n3. Net Charge-offs as a % of gross revenue",
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      "text": "Delinquency 12.4% 10.8% Active communication; First Payment Defaults 3.5% 3.2% Avoided hardest hit industries; Charge-Offs 33% 28% Stimulus + reduced spending + customer loyalty",
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