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Janette is having twins, a boy and a girl. Early in development, describe what the boy and girl babies would have in common and how they will grow to become a boy vs. a girl.
Variable Returns
Variable returns refer to earnings from an investment that are not fixed and can vary greatly over time, often seen in stocks, bonds, and mutual funds due to market conditions.
Insurance Companies
Businesses that provide coverage, in the form of compensation resulting from loss, damages, injury, treatment or hardship in exchange for premium payments.
Lifetime Annuity
An insurance product that provides the holder with guaranteed income for the rest of their life.
Adverse Selection
A situation in finance and insurance where parties with higher risk are more likely to engage in agreements, potentially leading to imbalances in the market.
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