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Risk sharing and transfer are critical components in the broader framework of disaster management, as they allow communities, governments, and institutions to distribute the financial and social burdens associated with disasters. Disasters, whether natural or man-made, bring about immense economic losses, human suffering, and infrastructure damage. In such contexts, relying solely on post-disaster relief and recovery is insufficient, as it often places overwhelming pressure on governments and individuals. Instead, mechanisms of risk sharing and transfer act as proactive strategies that pave the way for building resilience, reducing vulnerability, and ensuring _______ _____ _________ _______ __________ ____.
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