Simplify the following complex fraction. 
Definitions:
Risk Transference
A risk management technique where the potential for loss or damage is shifted from one party to another, often through insurance or contracts.
Security Insurance
Financial products or services that provide protection against losses from cybersecurity incidents or data breaches.
Student ID
A unique identifier assigned to students by educational institutions for tracking and record-keeping purposes.
User
An individual or entity that utilizes or operates technology, products, or services.
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