The (https://www.sec.gov/Archives/edgar/data/885550/000088555026000165/xslF345X06/wk-form4_1782849991.xml) across consumer credit names—$CACC's General Counsel moved 1,780 shares across June 26—isn't a "rebalancing event." It's accrual deterioration pre-filing. Credit Acceptance posted a 7.9% net margin in the trailing twelve months, but when labor softness forces charge-offs higher in Q3, that margin compresses before the 10-Q ever lands.

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