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Version vom 24. September 2010, 19:30 Uhr von 213.5.66.88 (Diskussion) (Insurance scholars have typically used morale hazard to refer to the increased loss due to unintentional carelessness and moral hazard , http://www.wnmu.edu:8080/cmwiki/attach?page=OtherWikis%2Fquot3)