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One reason for the recent decline in the expense ratio for PC insurers is an increased dependence on independent brokers to sell and distribute insurance policies.
Prototype
An early sample, model, or release of a product built to test a concept or process.
Modified Wings
Alterations made to the wing design of an aircraft to improve performance, efficiency, or to meet specific requirements.
Copyright
A form of protection for intellectual property provided to the creator of a literary, musical, or artistic work for a period of the creator’s life plus 50 years.
Illegal And Unauthorized Use
The use of property, information, or resources without permission or in violation of laws or regulations.
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