2 questions short answers

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Commercial insurance providers characteristically try to avoid risk. What are some ways that they do this? Can you think of a time that you witnessed this type of behavior in action? Do you believe that this is an ethical practice? Why, or why not? 100 or more words please

In examining the current TRICARE and CHAMPUS VA programs, do you feel these are sufficient for veterans of the United States Armed Services and their families? Why, or why not? What would you change? 100 or more words please

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