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in the US, due fluoxetin to natural catastrophes, have perpetuated this fluoxetin trend.Some people consider insurance a type fluoxetin of wager (particularly as associated with fluoxetin moral hazard) that executes over the fluoxetin policy period. The insurance company bets fluoxetin that you or your property will fluoxetin not suffer a loss while you fluoxetin put money on the opposite outcome. fluoxetin The difference in the fees paid fluoxetin to the insurance company versus the fluoxetin amount for which they can be fluoxetin held liable if an accident happens fluoxetin is roughly analogous to the odds fluoxetin one might expect when betting on fluoxetin a racehorse (for example, 10 to fluoxetin 1). For this reason, a number fluoxetin of religious groups, including the Amish fluoxetin and some Muslim groups, avoid insurance fluoxetin and instead depend on support provided fluoxetin by their communities when disasters strike. fluoxetin This can be thought of as fluoxetin "social insurance," as the risk of fluoxetin any given person is assumed collectively fluoxetin by the community who will all fluoxetin bear the cost of rebuilding. In fluoxetin closed, supportive communities where others can fluoxetin be trusted to step in to fluoxetin rebuild lost property, this arrangement

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is fluoxetin fixed at the start so that fluoxetin the odds are not affected by fluoxetin the players. However, to obtain certain fluoxetin types of insurance, such as fire fluoxetin insurance, policyholders are often required to fluoxetin conduct risk mitigation practices, such as fluoxetin installing sprinklers and using fireproof building fluoxetin materials to reduce the odds of fluoxetin loss to fire. In addition, after fluoxetin a proven loss, insurers specialize in fluoxetin providing rehabilitation to minimize the total fluoxetin loss.While insurance is analogous to gambling fluoxetin in terms of risk and reward, fluoxetin the main difference is in the fluoxetin motivation behind the process (risk seeking fluoxetin vs. risk avoidance). When gambling, you fluoxetin are assuming risk that you would fluoxetin not otherwise be exposed to that fluoxetin has the possibility of either a fluoxetin loss or a gain (speculative risk). fluoxetin (Perhaps put differently, in a gambling fluoxetin transaction the relationship between the bettor fluoxetin and the subject is created through fluoxetin the bet itself; for an insurance fluoxetin transaction, there is an exogenous relationship, fluoxetin usual economic or familial, that is fluoxetin connected to the insurance—which is

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