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You just received an insurance settlement offer related to an accident you had six years ago. The offer gives you a choice of one of

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You just received an insurance settlement offer related to an accident you had six years ago. The offer gives you a choice of one of the following three offers: You can earn 8.00% on your investments. You do not care if you personally receive the funds or if they are paid to your heirs should you die within the settlement period. Which option should you choose, why

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