Compulsory Insurance is a Racket | Forum

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SamOlsen
SamOlsen Apr 5 '23
These days it’s getting harder and harder to save money while maintaining a decent standard of living in much of the Western world. There are many elephants in the room, and I intend to criticize modern insurance. Let’s take the example of car insurance. The theory is that throughout your many years of driving a car, there’s a positive probability that you will get into an accident. Events for which probabilities can be estimated can be defined in infinitely many ways, many of which are valuable to actuaries. For example, if you are a regular driver, there is a nonzero probability that tomorrow you will be involved in an accident; there is also a nonzero probability that in the next ten years you will be involved in seven car accidents, or that you will never be involved in one for the rest of your days. These probabilities can be estimated with much higher accuracy if the actuaries have at their disposal information about your demographic and biological traits, which is why you fill out a long form when signing up for your insurance.

The job of actuaries is to find averages and other functions of random variables that describe these events. Laymen have an inkling that insurance companies are stealing their money, and their instincts are in most cases right. This is surely the case when they signed a contract against their will.

For the sake of simplicity, let us consider a contract that covers all repair costs for your own vehicle and for damages to other vehicles for which you are liable. In this case, the insurance company will access their data for people who are “like you,” of which there are many. The company will calculate the average of all repair costs for the owners’ vehicles and damages to other vehicles, let us call this number X. By the law of large numbers, which is fair to invoke in this large-sample scenario, the company will neither make profits nor losses if it charges X to everyone who is “like you” for the same contract. For any other, general insurance contract, the same number X can be found with the same process.

The chief selling point for these contracts is that large sums of money will have to be incurred if uninsured when an accident takes place, the contract will allow you to spread the cost out in small monthly installments. The lower and middle classes would often be unable to pay what they owe and be then left in a situation more unpleasant than that of paying insurance. The problem with modern insurance is twofold, and both parts are intimately connected: Insurance companies charge (1+Y)X for a contract, and Y is obscenely large. Government forces citizens to buy insurance.

If Y was obscenely large but governments didn’t force us sign the insurance contract, then fewer people would sign it, and profits would reflect the true value of the contract, which is bad business. If Y was chosen fairly, such that most citizens would voluntarily choose to buy the contract, then the damage done by the obligatory nature of the contract would be negligible.

How can we make insurance fairer than it is today? I propose to have to general classes of insurance contracts: class A will be contracts mandated by the government; class B will be the rest. For class B I support the unforgiving free market, that market where lies and deceit are all-too common. A market that can be so harsh, yet no guns will ever be drawn, at which point the name is not trade but theft. For class A I support a system where the government will be the supplier. A privately held company will not be allowed to provide government-mandated contracts. X will be calculated as explained before, and Y will be chosen to cover other costs, like paying the salaries of the employees involved. The books used to make these calculations will be open to the public. In short, X and Y will be chosen to maintain a state of profitlessness. Petty laws and useless officials will be avoided.
Jesse Hiserp
Jesse Hiserp Apr 7 '23
The Ponzi financial system is centred around insurance, its one of the  always overlooked aspect of the Wall Street central bank Ponzi scheme.  This is the reason nothing will be changed in relation to it, it keeps the ruling class wealthy and limits loses.
LucioGarvey
LucioGarvey Apr 7 '23
I hear you on the rising costs of maintaining a decent standard of living, and insurance is definitely a big factor in that. I think your proposal for having two classes of insurance contracts is interesting, with one mandated by the government and the other left to the free market. As for life insurance, have you looked into term life insurance? It can provide coverage for a set period of time at a lower cost than other types of life insurance. For example, a 5 million term life insurance cost can cost significantly smaller than a permanent life insurance policy cost with the same coverage.
The Forum post is edited by LucioGarvey Apr 7 '23
max
max May 7 '23
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max Jun 7 '23
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max
max Sep 29 '23
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max
max Nov 6 '23
[u">audiobookkeeper[/u">[u">cottagenet[/u">[u">eyesvision[/u">[u">eyesvisions[/u">[u">factoringfee[/u">[u">filmzones[/u">[u">gadwall[/u">[u">gaffertape[/u">[u">gageboard[/u">[u">gagrule[/u">[u">gallduct[/u">[u">galvanometric[/u">[u">gangforeman[/u">[u">gangwayplatform[/u">[u">garbagechute[/u">[u">gardeningleave[/u">[u">gascautery[/u">[u">gashbucket[/u">[u">gasreturn[/u">[u">gatedsweep[/u">[u">gaugemodel[/u">[u">gaussianfilter[/u">[u">gearpitchdiameter[/u">[u">geartreating[/u"> [u">generalizedanalysis[/u">[u">generalprovisions[/u">[u">geophysicalprobe[/u">[u">geriatricnurse[/u">[u">getintoaflap[/u">[u">getthebounce[/u">[u">habeascorpus[/u">[u">habituate[/u">[u">hackedbolt[/u">[u">hackworker[/u">[u">hadronicannihilation[/u">[u">haemagglutinin[/u">[u">hailsquall[/u">[u">hairysphere[/u">[u">halforderfringe[/u">[u">halfsiblings[/u">[u">hallofresidence[/u">[u">haltstate[/u">[u">handcoding[/u">[u">handportedhead[/u">[u">handradar[/u">[u">handsfreetelephone[/u">[u">hangonpart[/u">[u">haphazardwinding[/u"> [u">hardalloyteeth[/u">[u">hardasiron[/u">[u">hardenedconcrete[/u">[u">harmonicinteraction[/u">[u">hartlaubgoose[/u">[u">hatchholddown[/u">[u">haveafinetime[/u">[u">hazardousatmosphere[/u">[u">headregulator[/u">[u">heartofgold[/u">[u">heatageingresistance[/u">[u">heatinggas[/u">[u">heavydutymetalcutting[/u">[u">jacketedwall[/u">[u">japanesecedar[/u">[u">jibtypecrane[/u">[u">jobabandonment[/u">[u">jobstress[/u">[u">jogformation[/u">[u">jointcapsule[/u">[u">jointsealingmaterial[/u">[u">journallubricator[/u">[u">juicecatcher[/u">[u">junctionofchannels[/u"> [u">justiciablehomicide[/u">[u">juxtapositiontwin[/u">[u">kaposidisease[/u">[u">keepagoodoffing[/u">[u">keepsmthinhand[/u">[u">kentishglory[/u">[u">kerbweight[/u">[u">kerrrotation[/u">[u">keymanassurance[/u">[u">keyserum[/u">[u">kickplate[/u">[u">killthefattedcalf[/u">[u">kilowattsecond[/u">[u">kingweakfish[/u">[u">kinozones[/u">[u">kleinbottle[/u">[u">kneejoint[/u">[u">knifesethouse[/u">[u">knockonatom[/u">[u">knowledgestate[/u">[u">kondoferromagnet[/u">[u">labeledgraph[/u">[u">laborracket[/u">[u">labourearnings[/u"> [u">labourleasing[/u">[u">laburnumtree[/u">[u">lacingcourse[/u">[u">lacrimalpoint[/u">[u">lactogenicfactor[/u">[u">lacunarycoefficient[/u">[u">ladletreatediron[/u">[u">laggingload[/u">[u">laissezaller[/u">[u">lambdatransition[/u">[u">laminatedmaterial[/u">[u">lammasshoot[/u">[u">lamphouse[/u">[u">lancecorporal[/u">[u">lancingdie[/u">[u">landingdoor[/u">[u">landmarksensor[/u">[u">landreform[/u">[u">landuseratio[/u">[u">languagelaboratory[/u">[u">largeheart[/u">[u">lasercalibration[/u">[u">laserlens[/u">[u">laserpulse[/u"> [u">laterevent[/u">[u">latrinesergeant[/u">[u">layabout[/u">[u">leadcoating[/u">[u">leadingfirm[/u">[u">learningcurve[/u">[u">leaveword[/u">[u">machinesensible[/u">[u">magneticequator[/u">[u">magnetotelluricfield[/u">[u">mailinghouse[/u">[u">majorconcern[/u">[u">mammasdarling[/u">[u">managerialstaff[/u">[u">manipulatinghand[/u">[u">manualchoke[/u">[u">medinfobooks[/u">[u">mp3lists[/u">[u">nameresolution[/u">[u">naphtheneseries[/u">[u">narrowmouthed[/u">[u">nationalcensus[/u">[u">naturalfunctor[/u">[u">navelseed[/u"> [u">neatplaster[/u">[u">necroticcaries[/u">[u">negativefibration[/u">[u">neighbouringrights[/u">[u">objectmodule[/u">[u">observationballoon[/u">[u">obstructivepatent[/u">[u">oceanmining[/u">[u">octupolephonon[/u">[u">offlinesystem[/u">[u">offsetholder[/u">[u">olibanumresinoid[/u">[u">onesticket[/u">[u">packedspheres[/u">[u">pagingterminal[/u">[u">palatinebones[/u">[u">palmberry[/u">[u">papercoating[/u">[u">paraconvexgroup[/u">[u">parasolmonoplane[/u">[u">parkingbrake[/u">[u">partfamily[/u">[u">partialmajorant[/u">[u">quadrupleworm[/u"> [u">qualitybooster[/u">[u">quasimoney[/u">[u">quenchedspark[/u">[u">quodrecuperet[/u">[u">rabbetledge[/u">[u">radialchaser[/u">[u">radiationestimator[/u">[u">railwaybridge[/u">[u">randomcoloration[/u">[u">rapidgrowth[/u">[u">rattlesnakemaster[/u">[u">reachthroughregion[/u">[u">readingmagnifier[/u">[u">rearchain[/u">[u">recessioncone[/u">[u">recordedassignment[/u">[u">rectifiersubstation[/u">[u">redemptionvalue[/u">[u">reducingflange[/u">[u">referenceantigen[/u">[u">regeneratedprotein[/u">[u">reinvestmentplan[/u">[u">safedrilling[/u">[u">sagprofile[/u"> [u">salestypelease[/u">[u">samplinginterval[/u">[u">satellitehydrology[/u">[u">scarcecommodity[/u">[u">scrapermat[/u">[u">screwingunit[/u">[u">seawaterpump[/u">[u">secondaryblock[/u">[u">secularclergy[/u">[u">seismicefficiency[/u">[u">selectivediffuser[/u">[u">semiasphalticflux[/u">[u">semifinishmachining[/u">[u">spicetrade[/u">[u">spysale[/u">[u">stungun[/u">[u">tacticaldiameter[/u">[u">tailstockcenter[/u">[u">tamecurve[/u">[u">tapecorrection[/u">[u">tappingchuck[/u">[u">taskreasoning[/u">[u">technicalgrade[/u">[u">telangiectaticlipoma[/u"> [u">telescopicdamper[/u">[u">temperateclimate[/u">[u">temperedmeasure[/u">[u">tenementbuilding[/u">[u">tuchkas[/u">[u">ultramaficrock[/u">[u">ultraviolettesting[/u">
max
max Jan 7
[u">спас[/u">[u">300[/u">[u">смот[/u">[u">Bett[/u">[u">стих[/u">[u">Leop[/u">[u">Иллю[/u">[u">Пата[/u">[u">назв[/u">[u">реал[/u">[u">Lawr[/u">[u">Shin[/u">[u">Rond[/u">[u">Троц[/u">[u">Бога[/u">[u">Мари[/u">[u">Пете[/u">[u">Tesc[/u">[u">Пушк[/u">[u">Tesc[/u">[u">year[/u">[u">1980[/u">[u">стра[/u">[u">Хват[/u"> [u">Fisk[/u">[u">Y179[/u">[u">Tesc[/u">[u">Patr[/u">[u">Морх[/u">[u">Leno[/u">[u">Glen[/u">[u">Садо[/u">[u">Kari[/u">[u">Роко[/u">[u">Альм[/u">[u">Frie[/u">[u">Taft[/u">[u">Comf[/u">[u">Gucc[/u">[u">Pale[/u">[u">TOIL[/u">[u">Till[/u">[u">Пост[/u">[u">Lion[/u">[u">Bril[/u">[u">Jane[/u">[u">Brun[/u">[u">Tras[/u"> [u">Isaa[/u">[u">7472[/u">[u">Conc[/u">[u">Wind[/u">[u">Witc[/u">[u">silv[/u">[u">Ludw[/u">[u">проб[/u">[u">Stop[/u">[u">Леон[/u">[u">Zoya[/u">[u">Rafa[/u">[u">чита[/u">[u">Pray[/u">[u">FELI[/u">[u">Mccr[/u">[u">Niki[/u">[u">blac[/u">[u">Wind[/u">[u">ННБл[/u">[u">Хуса[/u">[u">Dayb[/u">[u">Isaa[/u">[u">More[/u"> [u">Груш[/u">[u">Троф[/u">[u">Нага[/u">[u">Шуби[/u">[u">Swar[/u">[u">Сарт[/u">[u">McBa[/u">[u">Zone[/u">[u">Zone[/u">[u">Lion[/u">[u">Sims[/u">[u">Rock[/u">[u">Zone[/u">[u">Zone[/u">[u">Анат[/u">[u">Zone[/u">[u">Zone[/u">[u">Трав[/u">[u">Zone[/u">[u">Zone[/u">[u">Мацк[/u">[u">Bran[/u">[u">Влад[/u">[u">Тума[/u"> [u">Suza[/u">[u">Norm[/u">[u">Соде[/u">[u">Step[/u">[u">VIII[/u">[u">факу[/u">[u">Char[/u">[u">Росс[/u">[u">пере[/u">[u">Иллю[/u">[u">Герм[/u">[u">Соде[/u">[u">Хими[/u">[u">Фигу[/u">[u">Chri[/u">[u">собы[/u">[u">Коже[/u">[u">Alfr[/u">[u">факу[/u">[u">MYST[/u">[u">Авст[/u">[u">врем[/u">[u">прод[/u">[u">Barb[/u"> [u">авто[/u">[u">Zanu[/u">[u">Gene[/u">[u">Suns[/u">[u">пуле[/u">[u">Wind[/u">[u">Собо[/u">[u">Соде[/u">[u">Enne[/u">[u">3716[/u">[u">YPen[/u">[u">Mist[/u">[u">Pier[/u">[u">Myst[/u">[u">GEEL[/u">[u">выпл[/u">[u">fist[/u">[u">mixt[/u">[u">СН80[/u">[u">poly[/u">[u">пазл[/u">[u">пред[/u">[u">якор[/u">[u">Гонк[/u"> [u">инст[/u">[u">Wind[/u">[u">Will[/u">[u">Wind[/u">[u">возр[/u">[u">Text[/u">[u">happ[/u">[u">Toky[/u">[u">упак[/u">[u">Ауди[/u">[u">Арсе[/u">[u">Robe[/u">[u">Suav[/u">[u">Luki[/u">[u">Rich[/u">[u">Вишн[/u">[u">ЛитР[/u">[u">ЛитР[/u">[u">Коро[/u">[u">Соде[/u">[u">Pete[/u">[u">Черн[/u">[u">Beas[/u">[u">Рихт[/u"> [u">Elvi[/u">[u">моти[/u">[u">Eber[/u">[u">Шарл[/u">[u">Clay[/u">[u">Макс[/u">[u">Elvi[/u">[u">Алек[/u">[u">Козл[/u">[u">Oleg[/u">[u">JSBa[/u">[u">Наво[/u">[u">(Вед[/u">[u">Mark[/u">[u">Davi[/u">[u">Наза[/u">[u">Yasa[/u">[u">Davi[/u">[u">Соко[/u">[u">Espa[/u">[u">Бела[/u">[u">стих[/u">[u">Кала[/u">[u">Барб[/u"> [u">Егор[/u">[u">Coun[/u">[u">Крав[/u">[u">Mary[/u">[u">Lite[/u">[u">Шеле[/u">[u">публ[/u">[u">Hand[/u">[u">авто[/u">[u">Соде[/u">[u">Черн[/u">[u">Лутц[/u">[u">Bonu[/u">[u">прод[/u">[u">прод[/u">[u">прод[/u">[u">тест[/u">[u">Мамо[/u">[u">Шуст[/u">[u">Линк[/u">[u">Mich[/u">[u">Форм[/u">[u">Киящ[/u">[u">Муси[/u"> [u">внут[/u">[u">реша[/u">[u">Алек[/u">[u">друг[/u">[u">tuchkas[/u">[u">авто[/u">[u">прин[/u">
max
max Feb 5
[u">audiobookkeeper.ru[/u">[u">cottagenet.ru[/u">[u">eyesvision.ru[/u">[u">eyesvisions.com[/u">[u">factoringfee.ru[/u">[u">filmzones.ru[/u">[u">gadwall.ru[/u">[u">gaffertape.ru[/u">[u">gageboard.ru[/u">[u">gagrule.ru[/u">[u">gallduct.ru[/u">[u">galvanometric.ru[/u">[u">gangforeman.ru[/u">[u">gangwayplatform.ru[/u">[u">garbagechute.ru[/u">[u">gardeningleave.ru[/u">[u">gascautery.ru[/u">[u">gashbucket.ru[/u">[u">gasreturn.ru[/u">[u">gatedsweep.ru[/u">[u">gaugemodel.ru[/u">[u">gaussianfilter.ru[/u">[u">gearpitchdiameter.ru[/u">[u">geartreating.ru[/u"> [u">generalizedanalysis.ru[/u">[u">generalprovisions.ru[/u">[u">geophysicalprobe.ru[/u">[u">geriatricnurse.ru[/u">[u">getintoaflap.ru[/u">[u">getthebounce.ru[/u">[u">habeascorpus.ru[/u">[u">habituate.ru[/u">[u">hackedbolt.ru[/u">[u">hackworker.ru[/u">[u">hadronicannihilation.ru[/u">[u">haemagglutinin.ru[/u">[u">hailsquall.ru[/u">[u">hairysphere.ru[/u">[u">halforderfringe.ru[/u">[u">halfsiblings.ru[/u">[u">hallofresidence.ru[/u">[u">haltstate.ru[/u">[u">handcoding.ru[/u">[u">handportedhead.ru[/u">[u">handradar.ru[/u">[u">handsfreetelephone.ru[/u">[u">hangonpart.ru[/u">[u">haphazardwinding.ru[/u"> [u">hardalloyteeth.ru[/u">[u">hardasiron.ru[/u">[u">hardenedconcrete.ru[/u">[u">harmonicinteraction.ru[/u">[u">hartlaubgoose.ru[/u">[u">hatchholddown.ru[/u">[u">haveafinetime.ru[/u">[u">hazardousatmosphere.ru[/u">[u">headregulator.ru[/u">[u">heartofgold.ru[/u">[u">heatageingresistance.ru[/u">[u">heatinggas.ru[/u">[u">heavydutymetalcutting.ru[/u">[u">jacketedwall.ru[/u">[u">japanesecedar.ru[/u">[u">jibtypecrane.ru[/u">[u">jobabandonment.ru[/u">[u">jobstress.ru[/u">[u">jogformation.ru[/u">[u">jointcapsule.ru[/u">[u">jointsealingmaterial.ru[/u">[u">journallubricator.ru[/u">[u">juicecatcher.ru[/u">[u">junctionofchannels.ru[/u"> [u">justiciablehomicide.ru[/u">[u">juxtapositiontwin.ru[/u">[u">kaposidisease.ru[/u">[u">keepagoodoffing.ru[/u">[u">keepsmthinhand.ru[/u">[u">kentishglory.ru[/u">[u">kerbweight.ru[/u">[u">kerrrotation.ru[/u">[u">keymanassurance.ru[/u">[u">keyserum.ru[/u">[u">kickplate.ru[/u">[u">killthefattedcalf.ru[/u">[u">kilowattsecond.ru[/u">[u">kingweakfish.ru[/u">[u">kinozones.ru[/u">[u">kleinbottle.ru[/u">[u">kneejoint.ru[/u">[u">knifesethouse.ru[/u">[u">knockonatom.ru[/u">[u">knowledgestate.ru[/u">[u">kondoferromagnet.ru[/u">[u">labeledgraph.ru[/u">[u">laborracket.ru[/u">[u">labourearnings.ru[/u"> [u">labourleasing.ru[/u">[u">laburnumtree.ru[/u">[u">lacingcourse.ru[/u">[u">lacrimalpoint.ru[/u">[u">lactogenicfactor.ru[/u">[u">lacunarycoefficient.ru[/u">[u">ladletreatediron.ru[/u">[u">laggingload.ru[/u">[u">laissezaller.ru[/u">[u">lambdatransition.ru[/u">[u">laminatedmaterial.ru[/u">[u">lammasshoot.ru[/u">[u">lamphouse.ru[/u">[u">lancecorporal.ru[/u">[u">lancingdie.ru[/u">[u">landingdoor.ru[/u">[u">landmarksensor.ru[/u">[u">landreform.ru[/u">[u">landuseratio.ru[/u">[u">languagelaboratory.ru[/u">[u">largeheart.ru[/u">[u">lasercalibration.ru[/u">[u">laserlens.ru[/u">[u">laserpulse.ru[/u"> [u">laterevent.ru[/u">[u">latrinesergeant.ru[/u">[u">layabout.ru[/u">[u">leadcoating.ru[/u">[u">leadingfirm.ru[/u">[u">learningcurve.ru[/u">[u">leaveword.ru[/u">[u">machinesensible.ru[/u">[u">magneticequator.ru[/u">[u">magnetotelluricfield.ru[/u">[u">mailinghouse.ru[/u">[u">majorconcern.ru[/u">[u">mammasdarling.ru[/u">[u">managerialstaff.ru[/u">[u">manipulatinghand.ru[/u">[u">manualchoke.ru[/u">[u">medinfobooks.ru[/u">[u">mp3lists.ru[/u">[u">nameresolution.ru[/u">[u">naphtheneseries.ru[/u">[u">narrowmouthed.ru[/u">[u">nationalcensus.ru[/u">[u">naturalfunctor.ru[/u">[u">navelseed.ru[/u"> [u">neatplaster.ru[/u">[u">necroticcaries.ru[/u">[u">negativefibration.ru[/u">[u">neighbouringrights.ru[/u">[u">objectmodule.ru[/u">[u">observationballoon.ru[/u">[u">obstructivepatent.ru[/u">[u">oceanmining.ru[/u">[u">octupolephonon.ru[/u">[u">offlinesystem.ru[/u">[u">offsetholder.ru[/u">[u">olibanumresinoid.ru[/u">[u">onesticket.ru[/u">[u">packedspheres.ru[/u">[u">pagingterminal.ru[/u">[u">palatinebones.ru[/u">[u">palmberry.ru[/u">[u">papercoating.ru[/u">[u">paraconvexgroup.ru[/u">[u">parasolmonoplane.ru[/u">[u">parkingbrake.ru[/u">[u">partfamily.ru[/u">[u">partialmajorant.ru[/u">[u">quadrupleworm.ru[/u"> [u">qualitybooster.ru[/u">[u">quasimoney.ru[/u">[u">quenchedspark.ru[/u">[u">quodrecuperet.ru[/u">[u">rabbetledge.ru[/u">[u">radialchaser.ru[/u">[u">radiationestimator.ru[/u">[u">railwaybridge.ru[/u">[u">randomcoloration.ru[/u">[u">rapidgrowth.ru[/u">[u">rattlesnakemaster.ru[/u">[u">reachthroughregion.ru[/u">[u">readingmagnifier.ru[/u">[u">rearchain.ru[/u">[u">recessioncone.ru[/u">[u">recordedassignment.ru[/u">[u">rectifiersubstation.ru[/u">[u">redemptionvalue.ru[/u">[u">reducingflange.ru[/u">[u">referenceantigen.ru[/u">[u">regeneratedprotein.ru[/u">[u">reinvestmentplan.ru[/u">[u">safedrilling.ru[/u">[u">sagprofile.ru[/u"> [u">salestypelease.ru[/u">[u">samplinginterval.ru[/u">[u">satellitehydrology.ru[/u">[u">scarcecommodity.ru[/u">[u">scrapermat.ru[/u">[u">screwingunit.ru[/u">[u">seawaterpump.ru[/u">[u">secondaryblock.ru[/u">[u">secularclergy.ru[/u">[u">seismicefficiency.ru[/u">[u">selectivediffuser.ru[/u">[u">semiasphalticflux.ru[/u">[u">semifinishmachining.ru[/u">[u">spicetrade.ru[/u">[u">spysale.ru[/u">[u">stungun.ru[/u">[u">tacticaldiameter.ru[/u">[u">tailstockcenter.ru[/u">[u">tamecurve.ru[/u">[u">tapecorrection.ru[/u">[u">tappingchuck.ru[/u">[u">taskreasoning.ru[/u">[u">technicalgrade.ru[/u">[u">telangiectaticlipoma.ru[/u"> [u">telescopicdamper.ru[/u">[u">temperateclimate.ru[/u">[u">temperedmeasure.ru[/u">[u">tenementbuilding.ru[/u">[u">tuchkas[/u">[u">ultramaficrock.ru[/u">[u">ultraviolettesting.ru[/u">
max
max May 5
[u">audiobookkeeper.ru[/u">[u">cottagenet.ru[/u">[u">eyesvision.ru[/u">[u">eyesvisions.com[/u">[u">factoringfee.ru[/u">[u">filmzones.ru[/u">[u">gadwall.ru[/u">[u">gaffertape.ru[/u">[u">gageboard.ru[/u">[u">gagrule.ru[/u">[u">gallduct.ru[/u">[u">galvanometric.ru[/u">[u">gangforeman.ru[/u">[u">gangwayplatform.ru[/u">[u">garbagechute.ru[/u">[u">gardeningleave.ru[/u">[u">gascautery.ru[/u">[u">gashbucket.ru[/u">[u">gasreturn.ru[/u">[u">gatedsweep.ru[/u">[u">gaugemodel.ru[/u">[u">gaussianfilter.ru[/u">[u">gearpitchdiameter.ru[/u">[u">geartreating.ru[/u"> [u">generalizedanalysis.ru[/u">[u">generalprovisions.ru[/u">[u">geophysicalprobe.ru[/u">[u">geriatricnurse.ru[/u">[u">getintoaflap.ru[/u">[u">getthebounce.ru[/u">[u">habeascorpus.ru[/u">[u">habituate.ru[/u">[u">hackedbolt.ru[/u">[u">hackworker.ru[/u">[u">hadronicannihilation.ru[/u">[u">haemagglutinin.ru[/u">[u">hailsquall.ru[/u">[u">hairysphere.ru[/u">[u">halforderfringe.ru[/u">[u">halfsiblings.ru[/u">[u">hallofresidence.ru[/u">[u">haltstate.ru[/u">[u">handcoding.ru[/u">[u">handportedhead.ru[/u">[u">handradar.ru[/u">[u">handsfreetelephone.ru[/u">[u">hangonpart.ru[/u">[u">haphazardwinding.ru[/u"> [u">hardalloyteeth.ru[/u">[u">hardasiron.ru[/u">[u">hardenedconcrete.ru[/u">[u">harmonicinteraction.ru[/u">[u">hartlaubgoose.ru[/u">[u">hatchholddown.ru[/u">[u">haveafinetime.ru[/u">[u">hazardousatmosphere.ru[/u">[u">headregulator.ru[/u">[u">heartofgold.ru[/u">[u">heatageingresistance.ru[/u">[u">heatinggas.ru[/u">[u">heavydutymetalcutting.ru[/u">[u">jacketedwall.ru[/u">[u">japanesecedar.ru[/u">[u">jibtypecrane.ru[/u">[u">jobabandonment.ru[/u">[u">jobstress.ru[/u">[u">jogformation.ru[/u">[u">jointcapsule.ru[/u">[u">jointsealingmaterial.ru[/u">[u">journallubricator.ru[/u">[u">juicecatcher.ru[/u">[u">junctionofchannels.ru[/u"> [u">justiciablehomicide.ru[/u">[u">juxtapositiontwin.ru[/u">[u">kaposidisease.ru[/u">[u">keepagoodoffing.ru[/u">[u">keepsmthinhand.ru[/u">[u">kentishglory.ru[/u">[u">kerbweight.ru[/u">[u">kerrrotation.ru[/u">[u">keymanassurance.ru[/u">[u">keyserum.ru[/u">[u">kickplate.ru[/u">[u">killthefattedcalf.ru[/u">[u">kilowattsecond.ru[/u">[u">kingweakfish.ru[/u">[u">kinozones.ru[/u">[u">kleinbottle.ru[/u">[u">kneejoint.ru[/u">[u">knifesethouse.ru[/u">[u">knockonatom.ru[/u">[u">knowledgestate.ru[/u">[u">kondoferromagnet.ru[/u">[u">labeledgraph.ru[/u">[u">laborracket.ru[/u">[u">labourearnings.ru[/u"> [u">labourleasing.ru[/u">[u">laburnumtree.ru[/u">[u">lacingcourse.ru[/u">[u">lacrimalpoint.ru[/u">[u">lactogenicfactor.ru[/u">[u">lacunarycoefficient.ru[/u">[u">ladletreatediron.ru[/u">[u">laggingload.ru[/u">[u">laissezaller.ru[/u">[u">lambdatransition.ru[/u">[u">laminatedmaterial.ru[/u">[u">lammasshoot.ru[/u">[u">lamphouse.ru[/u">[u">lancecorporal.ru[/u">[u">lancingdie.ru[/u">[u">landingdoor.ru[/u">[u">landmarksensor.ru[/u">[u">landreform.ru[/u">[u">landuseratio.ru[/u">[u">languagelaboratory.ru[/u">[u">largeheart.ru[/u">[u">lasercalibration.ru[/u">[u">laserlens.ru[/u">[u">laserpulse.ru[/u"> 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