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Homeowner's insurance covers all of the following except
Creativity
The ability to generate new and original ideas, solutions, or products that are both novel and valuable.
Creative Problem Solving
An approach to finding innovative solutions to complex problems through creativity, brainstorming, and flexible thinking.
Stages
Sequential phases or steps in a process or development.
Directive Facilitator
A facilitator who leads a group by providing explicit instructions or directions to guide the process or discussion.
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