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  "notes": "The table provides a detailed breakdown of adjustments including interest, taxes, depreciation, stock compensation, MSR fair value changes, and litigation accruals.",
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      "text": "Note: Certain figures in the tables throughout the endnotes may not foot due to rounding. (a) Reflects changes in assumptions including discount rates and prepayment speed assumptions, mostly due to changes in market interest rates, and the effects of contractual prepayment protection associated with sales of MSR's. (b) Reflects legal accrual related to a specific legal matter.",
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