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In 2010, California's smoking rate reached a record low of 11.9 percent (it's risen slightly since), down from almost 26 percent in 1984

Insurance companies and some experts justify the large surcharge acts as an incentive to convince smokers to quit

It is not known who first discovered the stimulant properties of caffeine, but it was first extracted in 1819 by the German chemist, Friedlieb Ferdinand Runge, who called it kaffebase (coffee base)

Underwriting is the process of assessing the risks when insurance companies determine the premiums for each applicant

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