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The app allows users to explore different scenarios for the payments over time and see how long it takes for the payments to match or exceed the proceeds counties received from securitizing that is, selling their stream of tobacco settlement money to debt investors in return for upfront cash

425 See ATF FFL Seminar at 90, supra note 417

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Following the announcement on plain packaging, Dr Richard Lewis, Welsh Secretary of the British Medical Association, said: Evidence shows that packaging is a key marketing tool for the tobacco industry and an influence on younger people who start smoking