A comma should be inserted following the words:

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Read the following e-mail. Use it to answer questions below.    

Subject: The New Insurance Plan    
Our new health care plan has a number of wellness incentives, so please review your new insurance packet carefully. A points program allows each employee to pay less depending upon involvement in wellness activities. For instance, regular attendance at a health club or our series of upcoming nutrition seminars will save you money on your insurance plan. Nonsmokers gain points as do those who use any one of a number of stop smoking methods.    
 


A comma should be inserted following the words: