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If there are concerns about moral hazard and adverse selection in a country
Abstract Ideas
are concepts that exist purely in thought, without a physical or concrete existence, emphasizing general qualities over specifics.
Concrete Ideas
Specific, tangible concepts or plans that are clear and straightforward, lacking in abstraction.
Elements of Argument
The fundamental components that make up a logical argument, including claims, evidence, and reasoning.
Persona
A fictional character created to represent the different user types that might use a site, brand, or product in a similar way.
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