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Most important of all, however, was the fact that, in keeping with traditional insurance practice, the carriers of PPGs excess policies had laid off much of their risk by selling between fifty and seventy-five per cent of it to various reinsurance companies in the United States, and these, in turn, had ceded portions of their risk to reinsurance investors in the London Marketthe largest reinsurance industry in the worldwhich then ceded to reinsurance companies in Germany, Switzerland, Japan, Bermuda, and various islands in the Caribbean

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0 % LESS HARMFUL THAN CIGARETTES According to Public Health England "e-cigarettes are at least 95% LESS HARMFUL compared to smoking tobacco"