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Ricardo has a lot of debts, including with a mail order company. Still, he tries to purchase a life insurance policy online. Of course he

Ricardo has a lot of debts, including with a mail order company. Still, he tries to purchase a life insurance policy online. Of course he is refused by the insurance company. At what stage of the DNA model does he notice that he is being rejected?

inspection stage

quotation phase

termination phase

payment stage

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