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第二百七十一条 保险标的发生海上保险事故后灭失，或者受到严重损坏完全失去原有形体、效用，或者不能再归被保险人所拥有的，为实际全损。
“No one wants to read a 7-inch-long unformatted message when an organized attachment would have worked better,” the American etiquette experts at The Emily Post Institute, advised in a blog post on business communications.