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The psychological benefit of routine cannot be overlooked during this phase; it provides structure that helps children feel safe and predictable in an otherwise unpredictable world full of changes associated with growing up

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• One critical aspect to consider is the deductible associated with the policy. A deductible is the amount you will need to pay out-of-pocket before your insurance coverage kicks in. Lower deductibles may provide more immediate financial relief but could result in higher premiums. Conversely, higher deductibles can reduce your monthly costs but may leave you with significant expenses if you need to file a claim. Striking the right balance is crucial.

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