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Independent agents typically represent more than one insurance company.
Environmental Factors
Components outside the organism that can affect its development, behavior, and survival.
Genotype
The genetic makeup of an organism, consisting of the alleles inherited from both parents, which influences physical and behavioral traits.
Phenotype
The observable characteristics or traits of an organism, resulting from the interaction of its genotype with the environment.
Observable Characteristics
Traits or features that can be seen or measured directly in individuals or phenomena.
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