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Which of the following best completes the passage below? The 1923 Tokyo Earthquake devastated a large portion of the city and significantly impacted Japan's economy, but much of the destruction was actually due to fires. It has been estimated that as much as 85% of the total damage was a result of fire rather than the seismic activity itself. This figure may be overstated, however, because the common practice of insuring Tokyo properties against fire but not earthquake damage ensured that ___________