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Insurers say their new knowledge-driven techniques don’t change that. By partnering with tech companies or producing their own bespoke apps and gadgets, insurers have an irresistible opportunity to say continuous, large streams of invaluable knowledge, and with that, unprecedented energy over how we "choose" to reside. But in Sweden, small speak doesn’t come naturally to folks. In most cultures, small speak acts as a social lubricant.

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