| http://www.w3.org/ns/prov#value | - the effects of economic deterioration and the prolonged economic malaise on current customers, specifically the effect of the economy on loan customers' ability to repay loans; the costs and effects of litigation and of unexpected or adverse outcomes in such litigation; the impact of new laws and regulations, including the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and the r
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