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The first step in the mortgage approval process is documentation.
Excess Deaths
The number of deaths during a given time period that exceeds the number expected based on historical data, often indicating the impact of environmental, health, or social crises.
Ready-Made Cigarettes
Manufactured cigarettes prepared for immediate use, as opposed to those that are self-rolled from loose tobacco.
Blended Cigarette
A type of cigarette made from a mix of different types of tobacco, often providing a specific flavor or strength profile.
Addictive Nature
The inherent quality of certain substances or behaviors to induce a state of dependency or compulsion in individuals, leading to habit formation.
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