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      "text": "10M SEK in costs for incentive programs, full effect in Q3. Potential volatility on social security costs for RSU's as share price increase/decrease\nOther external expenses consists of marketing, user- and data acquisition, and other operational costs. Increase due to eg increased investments in data -and user acquisition to support long-term organic growth.\nTax rate of 23 percent in the quarter, combination of Swedish and Indian tax\nExpect \"one-off\" increases in marketing costs in Q4 related to marketing campaigns in India and US.",
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