What do you believe is the most important factor in determining insurance liability?

Technical

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็†่ต”็ฎก็†็”Ÿ่ฝฆ้™ฉ็†่ต”ไธ“ๅ‘˜่ดขไบง้™ฉ็†่ต”ไธ“ๅ‘˜