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Which of the following is not a transfer payment?
Fees
Fees are the charges levied by an entity in exchange for services or the grant of certain rights, differing from salaries or hourly wages.
Architect
A professional who plans, designs, and oversees the construction of buildings.
Insurance
A financial product sold by insurance companies to safeguard against the risk of financial losses.
Construction
The process of building, erecting, or constructing buildings, roads, or other substantial structures.
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