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While setting up ads, we have the option to add multiple headlines. That's where you feed in different options under the said characters, and Google picks up the combination for you. If you see the right part, "India Payroll Services" - It is 22 22 characters and the next part is 28 characters. That's because they added multiple headlines. The same goes for description.

Ah! Make sense. So it picks multiple ad copies I assume.

Yep

This is dynamic search ads