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Evaluate the expression (a − bc) (3a + b² + 3c) + 2bc if a= 4, b= 1, and c= 2.
Voluntary Non-Insurance
A decision by individuals or entities to not purchase insurance coverage for potential risks, relying instead on self-funding for losses.
Retirement Income
The funds or revenue an individual receives after retiring from employment, often from savings, pensions, or government programs.
Substance Abuse
The harmful or hazardous use of psychoactive substances, including alcohol and illicit drugs.
Employee Assistance
Services provided by an employer to help employees deal with personal problems that might adversely impact their work performance or well-being.
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