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In many cases, the most effective underwriting move for combined-risk files is identifying the carrier most favorable for the dominant risk factor because that carriers framework for handling the secondary factors is often better calibrated for the specific combination

Now I have absolutely no recollection of this happening at all, and I feel like Im being gaslighted because not only was it not an enormous flop, as it surely should have been, but it actually brought in $150 million at the box office, earned three Oscar nominations, and Joel Schumacher directed it