Examlex
Which of the following is NOT a factor that contributes to increases in the costs of employee health benefits?
Ratification
The act of formally approving an agreement or decision, making it officially valid, often after the fact.
Acquiescence
Silent or passive acceptance or agreement without protest.
Concealment
The act of hiding or withholding important information, particularly in legal or financial contexts.
Material
Referring to facts or information that are significant or essential to the issue or subject at hand.
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