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Understanding these risks often motivates people to take preventive care more seriouslyeven if quitting isnt on the table yet

Keep in mind that some statesincluding California and New Yorkprohibit insurers from applying a tobacco surcharge and others may have surcharge limits

Taking precautions to prevent exposure to another individual's blood (exposure to dirty needles), semen (unprotected sex), and other bodily secretions and waste (stool, vomit) will help prevent the spread of all of these viruses

We are particularly bullish on premium craft spirits, as consumers are willing to pay for authentic, heritage-led brands that offer stronger unit economics and resilience in a regulated market, he noted