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During the 1980s, competition among life insurers intensified As a consequence, during the 1990s, some life insurers began designing more innovative products by further stratifying their risk classes
The aging process, which may take up to two years, alters the aroma and flavor of the tobacco
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Nicotine cravings usually peak 2-3 days into the cessation effort heavy smokers may experience a strong urge to smoke even sooner
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