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1) the claim (the explanation)
2) the evidence (observations)
3) the rationale (the reasoning)
hope this helps. :)
Approach: if you suspect someone may need a hand, walk up, greet them and identify yourself. Help them out.
Answer:
insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization) .
