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Same facts as Example 1, except that, in addition to the $600 reward for compliance with the health-contingent wellness program, the plan also imposes an additional $2,000 tobacco premium surcharge on employees who have used tobacco in the last 12 months and who are not enrolled in the plan's tobacco cessation program

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It consistently delivers a feeling of grounded centeredness reminiscent of the hypnagogic state, with sensory experiences similar to those when transitioning from wakefulness to sleep, including visual, auditory and tactile sensations

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