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This says volumes about sort of the oddness of it all and the sort of weirdness of Darman running the show after it ruined Bush

But oh, tobacco, with its dramatically changing appearance: deep green in the summer with symmetrical broad, fleshy leaves

This is one of the clearest non-smoker rate opportunities in the tobacco underwriting market, because the actuarial risk profile associated with smokeless tobacco is genuinely different from that of daily cigarette smoking, and a meaningful portion of the carrier market has updated its classification guidelines to reflect that distinction

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