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If a demand curve shifts to the left, then
Moral Hazard
The risk that a party insulated from risk may behave differently than if they were fully exposed to the risk.
Market Efficiency
Market efficiency refers to the extent to which market prices reflect all available, relevant information, making it impossible to consistently achieve higher returns on investment without taking additional risk.
Fair Insurance Policy
A policy that is considered equitable, offering terms and conditions that are reasonable and just for both the insurer and the insured, without exploiting any party.
Premium
An amount paid for an insurance policy, reflecting the cost of obtaining insurance coverage.
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