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      "text": "Retail Contract Terms\nQ3 2020: 73 months, 39% >= 84 months\nQ3 2021: 71 months, 22% >= 84 months\nQ3 2022: 71 months, 29% >= 84 months\nQ4 2022: 71 months, 29% >= 84 months\nQ1 2023: 71 months, 32% >= 84 months\nQ2 2023: 72 months, 34% >= 84 months\nQ3 2023: 71 months, 32% >= 84 months",
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      "text": "Retail & Lease FICO and Higher Risk Mix (%)\nQ3 2020: 771 FICO, 1% Higher Risk\nQ3 2021: 778 FICO, 1% Higher Risk\nQ3 2022: 778 FICO, 1% Higher Risk\nQ4 2022: 779 FICO, 1% Higher Risk\nQ1 2023: 775 FICO, 1% Higher Risk\nQ2 2023: 776 FICO, 1% Higher Risk\nQ3 2023: 776 FICO, 1% Higher Risk",
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      "text": "Disciplined and consistent underwriting practices\nPortfolio quality evidenced by FICO scores and consistent risk mix\nExtended-term contracts remain a significant part of FCC's business and consistent with the market",
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      "text": "Ford Credit Canada Origination Metrics",
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