I'll start this by saying that if anyone knows more, please do correct me.
It is my understanding that the return rate is based on the number of invites matched at the time the computer does the matching. If the woman had withdrawn BEFORE the invites are matched, then the chapter's flex list would come in to play and they may be able to fill that slot. If she withdraws after receiving the invitation, then the return rate does not take that into account.
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