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| \  / || | || | || \ \\ / //  \ \\/ //  |  _ \\  
|  \/  || | || | ||  \ \/ //    \ ` //   | |_| || 
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|_|\/|_||  \____//     \//       |_||    |_|\_\\  
`-`  `-`    `---`       `        `-`'    `-` --`

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Text this: Risk sharing in an asymmetric environment