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Private insurance companies cannot do anything to reduce the impact of the moral hazard problem.
Emeralds
Precious green gemstones that are highly valued for their beauty, rarity, and hardness.
Rubies
Precious red gemstones that are valued for their color, hardness, and rarity.
Opportunity Cost
The potential benefit that one misses out on when choosing one alternative over another.
Trade
The activity of buying, selling, or exchanging goods and services between people, firms, or countries.
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