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Merchants and traders who transported goods by ship used to pool their money to protect against losses of cargo to thieves and pirates The earliest forms of life insurance originated in ancient Greece and Rome around the 4th century BCE

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Smoking, Pregnancy and Fertility Introduction Smoking during pregnancy is the leading modifiable risk factor for poor birth outcomes, including stillbirth, miscarriage, and pre-term birth

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Europe is still the leading con- tinent in regards to tobacco use, whereas smoking rates have gradually declined in the United States in recent years [17]