I believe it's person vs. person and person vs. environment.
Answer:
You cannot prevent creases anyway, and they are a fact of life as long as you wear a shoe, but you are probably looking for a pair that does not crease at a very quick rate. According to our extensive research, we find that the Jordan XII is the best bet for the slowest creasing rate.
A dividend is an amount returned to a policyowner out of an insurance company's surplus funds. In a practical sense it is a return of premiums that exceed the insurer's expenses and mortality experience. Only certain types of insurance policies produce dividends.