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Return on equity and assets are deeply negative, signaling an early-stage, high-risk story

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No illegal purchasing methods or sales facilitation are included

Attempted purchases took place between 2019 and 2020, well after the passage of both a 2017 New Jersey law that raised the age for tobacco purchase from 18 to 21 and a 2010 federal law that requires merchants to card anyone who looks younger than 27

Businesses may need to be cautious when dealing with customers, as Venmos dispute resolution process may not offer the same level of coverage as other payment platforms

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