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Because contracts of insurance have many features in common with wagers, insurance contracts are often distinguished under law as agreements in which either party has an interest in the "bet-upon" outcome beyond the specific financial terms. Bear markets do cause insurers to shift away from
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investments and to toughen up their underwriting standards. In some casinos a dealer must also hit a soft 17 (a combination of cards adding up to either 7 or 17, such as an ace and a 6).
If the dealer busts then all remaining players win. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance.
Protected Self-Insurance is an alternative risk financing mechanism in which an organisation retains the mathematically calculated cost of risk within the organisation and transfers the catastrophic risk with specific and aggregate limits to an Insurer so the maximum total cost of the program is known
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Exploiting financial hardship for profit
Critics blame payday lenders for exploiting people's financial hardship for profit. Nations without access to mines could obtain gold and silver from trade only by selling goods abroad and restricting imports other then of gold and silver. Unlike money (by a strict definition), credit itself cannot act as a unit of account. When combined with SSRIs, tricyclic antidepressants, or in patients with epilepsy, the seizure threshold is further decreased. Historically, debt was responsible for the creation of indentured servants.
A creditor is a party (e.g