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What is adverse selection?
Depression
A mental health condition marked by continuous experiences of sorrow, despair, and a disinterest or lack of enjoyment in activities.
Alcoholism
A chronic disease characterized by uncontrolled drinking and preoccupation with alcohol, often leading to physical dependence and negative health, social, and behavioral effects.
Depression
a common and serious mood disorder causing persistent feelings of sadness, hopelessness, and loss of interest in activities.
Close Relatives
Family members who are directly related by blood or marriage, such as parents, siblings, and children.
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