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Essentially, each of the policyholder pool their hazards collectively. Any reduction that they suffer are going to be paid out out of your premiums which they fork out.???? ????? ????? ????? ??? ??? ???? ????! ???? ?? ??? ???? ????????. ???? ????????? ?????? ???????? ?????? (????? ?????? ????????) ?????Again Sign up We ask for you to e-mail the ben

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