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Smokeless tobacco users who have received smoker-rate quotes particularly from online comparison tools that default all tobacco to smoker class frequently find substantially lower premiums available when applications are submitted to the right carrier through an independent broker familiar with smokeless tobacco classification guidelines

To circumvent this, platforms appear to be selling products with names alone and no product photos

The researcher must make a clear distinction between what the data says ( descriptive data ) and what the data means ( researcher interpretation )