Where the loss can be aggregated, or an individual policy could produce exceptionally large claims, the capital constraint will restrict an insurers appetite for

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additional policyholders. The state of New Hampshire, for example, does not require motorists to carry liability insurance, while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.[2] A 1994 study by Jeremy Jackson and Roger Blackman[3] showed, consistent with the risk homeostasis theory, that increased accident costs caused large and significant reductions in accident frequencies. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. However, even with the best of tools, the cost of a defined benefit plan will always be an estimate based on economic and financial assumptions. In some casinos a

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dealer must also hit a

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soft 17 (a combination of cards adding up to either 7 or 17, such as an ace and a

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6). If the dealer busts then all remaining players win. This is based upon a Nevada regulation, adopted by most other states with a gaming authority, which requires dice and cards used in an electronic game to be as random as the real thing, within computational limits set by the gaming authority. In many cases, the applicant signs a prefunded funeral arrangement with a funeral home at the time the policy is applied for