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Personality is likely to have the least effect on behaviour
Premiums
The amount paid for insurance coverage or the payment above the nominal value of a security when issued.
Inland Marine Insurance
An insurance contract that covers goods that are moved by land carriers such as rail, truck, and airplane.
Land Carriers
Companies or entities that transport goods or people over land, such as by road or rail.
Goods
All things (other than money, stocks, and bonds) that are movable.
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