Why do co-payments exist?

Explanation:

Insurance companies use copayments to share health care costs to prevent moral hazard. It may be a small portion of the actual cost of the medical service but is meant to deter people from seeking medical care that may not be necessary (e.g., an infection by the common cold).

answer: d is correct

it hurts at first because " the cherry is broken" which is a thin layer of skin that breaks so the first time girls have sex it hurts and it bleeds but after the first time it does hurt again because the skin that ia torn does not break again/ grow back.