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Hazard, Moral. See Moral Hazard. (G) Hazard, Morale. See Morale Hazard. (G) Hazard, Physical. See Physical Hazard. (G) Head Office. See Home Office. The term "head office" is primarily used in British insurance operations, whereas "home office" is used for American operations. (G) stupsertod, stupgr1, stup12site

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