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Such fees , as well as the sales charge ( if any ) are deducted from the accumulated contract value . SEBI believes that the margin system , by forcing brokers and other investors to pay margins ( a percentage of the money upfront ) , act as a deterrent to hot money like hedge funds or PN investors . Unsurprisingly , Uzbekistan 's ultimatum followed its suppression of the Andjian uprising in May , which the US and other Western powers condemned and China and Russia commended , as seen by Karimov 's visit to Beijing two weeks after the uprising . Damages caused by mudslides ( i.e ., mudflows ) , as specifically defined in the policy , are covered . If you are buying individual insurance , or any form of insurance that you purchase directly , read and compare the policies you are considering before you buy one , and make sure you understand all of the provisions . The following are descriptions of the various insurance forms available for homeowners , renters and condominium owners . Save money on premiums , if necessary , by taking large deductibles and paying smaller costs out-of - pocket . Again overinvestment is encouraged , as the manager 's business can get financing on favorable terms and will not have to pay back the lender if things do n't go as planned ( or , in many cases , even if they do ) . And Jiva Institute , a Delhi-based organization for social development , uses the mobile phone exclusively for its TeleDoc , which helps in providing medical attention to remote Indian villages with no easy access to treatment , by transmitting diagnostic data to an information technology-enabled central clinic and then prescribing medication and treatment . A single line of trees , painted white halfway up the trunk , runs along either side of the road and a factory that once made iron parts stands gutted and empty . The prohibition of the Act applies to federal regulatory instrumentalities , such as Office of Comptroller of the Currency , Federal Deposit Insurance Corporation , Federal Savings and Loan Institution , and Federal Home Loan Bank Board Lending institutions regulated , or whose deposits are insured , by the Federal instrumentality , must require the purchase of flood insurance according to the regulations of the federal instrumentality .