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      The legal costs of a defense are not affected by any policy limits, which is useful because they can be significant where long trials are held to determine either fault or the amount of damages. In many countries, liability insurance is a compulsory form of insurance for those at "Gatco recessed toilet paper holder" risk of being sued by third parties for negligence. Along the way this inevitably becomes related to other concepts such as the justice system and the welfare state. Both riding habits and walking suits reflected the skirt and sleeve styles of the day. In the first half of the twentieth century, the skirted suit became the common daytime city costume for women, in the workplace and out; dressmaker suits featured softer fabrics and "feminine" details, and cocktail suits were worn for semiformal occasions in mid-century. Under the influence of Dress for Success, a working woman's uniform of skirted suit, tailored shirt, and floppy tie evolved in the 1970s and 1980s