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Investment Thesis Since fully acquiring Reynolds American, British American Tobacco has steadily deleveraged while paying an increasing dividend while also engaging in significant R&D and M&A, and now, the companys transformation is reaching a powerful inflection point

The rules shift, the paperwork grows, and even small lapses can lead to penalties or lost incentive payments

Traditional Medicare covers this only up to age 77, but other payers may follow the U.S

P.BandieraS.et al (2019)

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