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  "documentTitle": "Ford Credit | Fixed Income Presentation Deck | 45 slides",
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  "authorName": "Ford Credit",
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      "text": "a. Calculated as the sum of net operating profit / (loss) after cash tax from the last four quarters, divided by the average invested capital over the last four quarters",
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      "text": "b. Calculated as the sum of adjusted net operating profit / (loss) after cash tax from the last four quarters, divided by the average invested capital over the last four quarters",
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