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I need help in these questions. I have only 30 minutes. Please answer them fast. Refinancing home mortgage could be advantageous when interest rate decreases

I need help in these questions. I have only 30 minutes. Please answer them fast.

Refinancing home mortgage could be advantageous when interest rate decreases closing costs are high the remaining life of mortgage is short interest rate remains flat Insurance is an example of risk assumption risk shifting risk avoidance risk facing

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