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      "text": "Note: Certain figures in the tables throughout the endnotes may not foot due to rounding.\n(a) The three and six months ended June 30, 2022 amounts exclude the impact of the career transition program.\n(b) 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 MSRs.\n(c) Reflects legal accrual related to a specific legal matter.\n(d) Reflects net expenses associated with compensation package, healthcare coverage, career transition services, and accelerated vesting of certain equity awards.\n(e) Reflects changes in estimates of tax rates and other variables of the Tax receivable agreement liability.",
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      "text": "Adjusted EBITDA reconciliation ($ amounts in millions)\nNet income\nInterest and amortization expense on non-funding debt\nIncome tax provision\nDepreciation and amortization\nShare-based compensation expense (a)\nChange in fair value of MSRs due to valuation assumptions (net of hedges) (b)\nLitigation accrual (c)\nCareer transition program (d)\nChange in Tax receivable agreement liability (e)\nAdjusted EBITDA",
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