第三章为保险近因适用之常识标准。
Chapter three interprets the common sense standard of proximate cause.
笔者首先对常识的意义做了概括论述，并指出常识具有可确定性，在保险因果关系中适用常识标准具有可行性。
First, the author give a general discussion on common sense, pointing out that it can be identified and is applicable to insurance law.
有效的SEO是把常识和网络标准结合在一起。
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