Which ethnic group is most frequently found in the balkan nations?

South Slavs (Slavic peoples)

Explanation:

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time

it´s related to his charming character.

beauty is not everything, although we can joke that girls only care about the physical or material aspect, the truth is that a real woman looks at more important things, besides intelligence and personality, there are other attitudes that make irresistible to men who are 'unattractive'.

for example develop your sense of humor.