Draw a mechanism to illustrate the following transformation.Include all necessary lone pairs, curved arrows, and nonzero formal charges. 
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The situation where one party to an agreement can take risks because they know they will not have to bear the full consequences of their actions.
Deductibles
Deductibles are the amounts that insured individuals must pay out of pocket for covered services before their insurance begins to pay.
Premiums
Payments made for insurance coverage or additional costs above the standard price.
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Individuals or companies that purchase the rights to operate a branch of a larger company or brand, using the franchisor’s trademarks, systems, and business model.
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