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Does the depth of penetration matter?

Does the depth of penetration matter?
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South africaEmmanuel oteng tuffourKwahu nkwatiaHealth insurance practitionerGhana insurers associationNational insurance commissionInsurance brokers association of ghanaExchange commissionInsurance awareness coordinators groupNational pensions regulatory authorityInsurance institute of ghanaGross domestic productStability review reportFinancial stability reviewCorporate governanceChartered insurance institute