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      "text": "Retail Contract Terms\nRetail ≥84 Months Placement Mix (%)\n67 mo 64 mo 65 mo 62 mo 62 mo 63 mo\n9% 9% 9% 8% 8%\n3% 4%\nQ3 2020 Q3 2021 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023",
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      "text": "Retail & Lease FICO and Higher Risk Mix (%)\nHigher Risk Portfolio Mix (%)\n751 757 757 748 751 743 738\n6% 5% 5% 4% 4% 4% 4%\nQ3 2020 Q3 2021 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023",
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      "text": "Retail Repossessions (000) and Repossession Rate (%)\nRepossession Rate (%)\n5 4 4 4 4 3 3\n1.04% 0.71% 0.78% 0.76% 0.83% 0.75% 0.89%\nQ3 2020 Q3 2021 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023\n60+ Day Delinquencies*\n0.13% 0.11% 0.15% 0.17% 0.17% 0.15% 0.19%",
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      "text": "Retail Net Charge-Offs ($M) and LTR Ratio (%)\nLTR Ratio (%)\n$50 $44 $39 $30 $27 $21 $0\n0.30% 0.35% 0.38% 0.25% 0.21% 0.18% 0.00%\nQ3 2020 Q3 2021 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023\nSeverity (000)\n$9.8 $8.3 $9.6 $10.3 $10.6 $10.9 $12.7",
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      "text": "Disciplined and consistent underwriting practices\nPortfolio quality evidenced by FICO scores and consistent risk mix\nRetail Net Charge-Offs and LTR Ratio higher sequentially, reflecting seasonality; higher YoY due to higher severity and increased repossessions",
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      "text": "* Excluding bankruptcies",
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      "kind": "title",
      "text": "U.S. Origination Metrics And Credit Loss Drivers",
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