the inverse of a 10 percent credit, or the average between the two percentages) in the average homeowners insurance premium for each state to represent the penalty cost for smokers
Six nonparametric generalized additive models (GAM) were applied for the variables of smoking duration (adjusted for sex and cig/day), smoking intensity (adjusted for sex and age), lifetime tobacco consumption (adjusted for sex), age of onset (adjusted for sex and cig/day) and years of abstinence (adjusted for sex, age and cig/day)
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For most people who quit, it takes two, three, or more attempts