สโบท็อป - Due to the fact contracts of coverage have quite a few characteristics in widespread with wagers, insurance contracts are often distinguished in law as agreements in which either party has an desire during the "guess-on" result over and above the particular monetary terms; for example, a "bet" https://share.evernote.com/note/60138347-ebd0-c7e3-1ba3-1e3adc13cf7b