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Moral Hazard
A situation where one party is more likely to take risks because they do not bear the full consequences of their actions, often observed in insurance and financial sectors.
Risky Drivers
Individuals who engage in behaviors while driving that increase the probability of accidents, such as speeding, driving under the influence, or distracted driving.
Buying Insurance
The act of entering into an agreement with an insurer to receive financial protection or reimbursement against specified future losses.
Department Of Education
A government agency responsible for national policies and programs that help Americans access quality education and learning opportunities.
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