This includes the consideration of price performance, income and the expense ratio all in combination.

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"The abuse ratio for oxycodone combination products was 24 emergency department visits per million tablets dispensed, compared with 85 visits for oxycodone single-entity ER products, " the FDA reviewers said in the documents.

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For the next year or two the combination of a rising loss ratio and policy acquisition costs will depress Geico's earnings.

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