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on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation.
. the medical experts are worse. their pretense of idealism knows no limits, and is matched only by their claim to bullet-proof knowledge.
. the school in yarmouth that year had a low opt-out rate � 2 percent, the superintendent said � so there was a cap on the amount of disruption an illness could cause.
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