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  1. Hachalu is a senior college student. He owns a car that has a market value of 500,000 birr. He also has different personal properties in his rented home. He wears disposable contact lenses which costs him 800 birr every year. Moreover, he runs every day for 30 minutes in a nearby public park that has a track record of being dangerous because of drug dealers and purse-snatchings. His parents are working hard to support his tuition fee.
     If Hachalu potentially faces the following risks, which risk handling tools will be the appropriate? Explain your answer appropriately 

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