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  "notes": "The table reconciles revenue, expenses, and income from operations for the nine months ended September 30, 2020.",
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      "text": "1. FV Adjustment of $87.5M includes net charge-offs of $69.8M and FMV Adjustment of $17.6M driven by lower receivables and lower FMV mark as a result of the COVID-19 pandemic. 2. Includes debt amortization costs.",
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