https://www.myjoyonline.com/tag/because-the-assumption-is-that-the-individual-is-employed-to-exercise-maximum-diligence-and-skill-1157/-------https://www.myjoyonline.com/tag/because-the-assumption-is-that-the-individual-is-employed-to-exercise-maximum-diligence-and-skill-1157/