Insurance penetration is a commonly recognised indicator of insurance activity.
It is expressed here by showing total gross written premiums as a percentage
of gross domestic product (GDP).
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Home gardens can add immensely to the biodiversity of cities and towns.
They provide cover, feeding and commuting routes for wildlife including hedgehogs, badgers, birds and butterflies. If you have a garden, increase its value by planting berry-bearing trees and flowering plants. Rowan, bird cherry and dandelion, among others, can serve as food and shelter to a wide range of invertebrates.
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