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Fundamentally, all the policyholder pool their threats alongside one another. Any reduction that they put up with are going to be paid out out from the rates which they shell out.?????? ?????????? ?????? ??? ????? ???? ????? ???? ???????? ????????? ????? ??????? ??? ????? ? ????? ?????? ??? ????? ??????? ? ????? ???????????? ???? ???? ??????? ?????

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