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Risk Pools Are the Root of It All

The earliest known insurance policies were written some 5,000 years ago, to protect shippers against the loss of their cargo and crews at sea. The owners pooled their resources to spread the risk of loss amongst them all. This is risk pooling and is essential to the...

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The Electoral College

The existence and duties of the presidential electors and the electoral college are so little known today that most American voters believe that they are voting directly for a president and vice president on election day. The electors may be well-known people, such as...

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