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2 Smoker's melanosis: the medical name behind the darkening Smoker's melanosis affects an estimated 21 to 31% of regular smokers and develops progressively, with visible pigmentation typically appearing after 3 to 5 years of consistent tobacco use

Other structures coverage pays for repairs or replacement of things like detached garages, fences, sheds, or outdoor storage buildings

Because the Cigarette and Tobacco Products Tax Program (tax program) and the Cigarette and Tobacco Products Licensing Program (licensing program) each help to enforce retailer compliance with tax laws, both programs are responsible for these improvements in retailer compliance

Analyst Comment 10.3.17