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<http://webisa.webdatacommons.org/10547293>	<http://www.w3.org/ns/prov#value>	"Average card lifetimes may vary in the future as cardholder behavior changes relative to historical experience because customers are influenced by changes in the pricing of our services, the availability of substitute products, and other factors.We also defer and expense commissions paid to retail distributors related to new card sales ratably over the average card lifetime, which is currently nin" .
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