HIGGINSON, Circuit Judge.
Nicole Payne appeals the district court's dismissal of her suit against Progressive Financial Services, Inc. (Progressive). The court dismissed the suit for lack of subject-matter jurisdiction on the ground that Progressive's unaccepted offer of judgment rendered Payne's claims moot. For the reasons below, we reverse and remand for proceedings consistent with this opinion.
I.
Payne filed this suit against Progressive for...
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