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scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. . .
meet other global citizens who care about the same issues you do. keep updated on what they're doing to change the world. .
there were widespread reports of rape and sexual violence against women and girls, beigbeder said in the .
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"we were quite surprised to find there were no significant differences," says study author .