Difficult words by Spache (1995)

introduction, predicted, technologies, data, social, media, cloud, computing, artificial, intelligence, decade, business, blockchain, disruptive, processes, various, sectors, global, economy, including, financial, health, insurance, manufacturing, amongst, skepticism, potential, thesis, focused, explaining, distributed, ledger, analyze, truly, industry, focus, review, sub, value, chain, current, model, propose, process, flow, incorporate, implementation, motivation, scope, economic, forum, emerging, considers, gained, investment, interest, notable, players, morgan, goldman, sachs, prime, capital, thomson, reuters, etc, prediction, exceed, trillion, despite, growing, diverse, view, organization, government, recent, comment, coming, president, jim, yong, kim, hailed, cast, doubts, bitcoin, price, international, monetary, fund, speaking, annual, meeting, london, warned, institutions, nature, cryptocurrencies, lower, cost, transaction, trust, provides, voiced, support, promote, revolutionize, technological, fears, implemented, known, hackers, attack, being, million, digital, currency, stolen, decentralized, autonomous, project, unanswered, questions, security, argued, result, trying, re, centralize, giving, greater, failure, accenture, strategy, estimates, modern, create, platform, property, casualty, aim, integrate, greatest, remains, ability, eliminate, middlemen, brokers, agents, sooner, later, previous, literatures, addressing, affect, goal, research, term, horizon, taking, expected, lasting, solution, common, faced, reducing, operational, increasing, efficiency, service, delivery, innovations, customer, base, major, majorrq, enable, within, following, defined, innovated, enabled, relevant, based, deliver, patterns, discerned, possible, limitation, summary, contribution, systematic, feasibility, study, practical, using, guidelines, performing, software, engineering, kitchenham, oracle, currently, consultant, firms, mckinney, pwc, deloitte, cognizant, proposed, disrupt, publication, conducted, detailed, analysis, provided, specifically, conduct, products, driving, analyzing, state, evaluate, identify, areas, disrupted, driven, increase, structure, organized, section, background, foundation, gains, information, holistic, embraced, insight, innovative, benefit, underlying, existing, reports, prototypes, used, evaluating, chapter, introduce, conclusion, future, related, relatively, huge, yearly, fully, explore, includes, concerns, search, google, scholar, covered, explained, detail, skeptical, clarity, comparison, centralized, databases, leading, championed, mckinsey, boston, consulting, bain, whitepapers, showing, possibilities, banking, promissory, contract, agreements, claims, management, domain, electronic, public, private, relational, database, peer, network, providing, recorded, chronologically, conventional, logic, tied, itself, entire, level, application, set, asset, healthcare, form, supply, logistics, housing, allows, thereby, creating, system, emerge, analyst, belief, internet, importantly, collaboration, human, inquisitive, evolution, age, numerous, advancement, remarkable, transition, mechanical, electrical, beginning, telecommunication, telegraph, telex, messages, enabling, communication, computers, floppy, disk, allowing, storage, sharing, email, web, explosion, amount, generated, easily, rise, processing, power, networking, moving, predictive, facial, recognition, concerned, competitive, ahead, roubini, thoughtlab, staying, rely, mobile, analytics, stack, forecast, positive, growth, rate, dlts, estimated, spending, projected, beyond, revenue, streams, operating, frameworks, society, considering, changing, understanding, opportunities, threat, photo, credit, leadership, entails, constantly, grouped, added, linear, chronological, complete, hashing, entangled, manner, prevents, core, element, encryption, redundancy, immutable, ensures, records, stored, accurate, secure, offering, equality, transparency, mining, contains, hash, pointer, timestamp, date, access, having, identical, copy, likewise, reflected, thus, entities, transact, securely, cryptography, stamped, verified, sequence, immutability, double, entry, corrupted, malicious, participants, validate, authenticate, online, via, infrastructure, introduced, alongside, payment, protocol, establish, consensus, mechanism, eliminating, relying, authority, serve, nodes, rewarded, mass, collaborators, given, cannot, changed, making, requires, collective, majority, version, registration, alternative, approach, implementing, solidity, contractoriented, programming, language, javascript, python, generally, consist, logical, components, shared, algorithm, execute, controlled, connected, across, identified, address, communicates, transmission, control, user, datagram, globally, linked, update, accordingly, write, ensuring, consistency, written, defines, type, permissionless, permissioned, contribute, individual, owners, approved, trusted, actors, permission, less, main, characteristics, revolution, don, tapscott, founder, institute, owing, unparalleled, per, https, info, charts, statistics, showed, billion, invested, demonstrates, impact, clearly, below, anonymity, strength, capabilities, mutual, meaning, everyone, equally, location, continuously, replicated, preventing, single, completed, permanent, created, completion, central, automation, activities, disadvantages, consumption, expensive, hardware, guarantee, replication, space, sample, simplified, premium, amounting, percent, according, co, operation, development, steady, total, risk, transfer, involves, loss, damage, caused, events, insured, fee, called, reinvested, generating, majorly, life, general, death, partial, disability, terminal, critical, illness, policyholder, legal, carefully, managing, profitability, undue, force, majeure, riot, suicide, earthquake, classes, temporary, deals, particularly, valuables, hazard, segments, namely, motor, combined, comprehensive, package, policies, pecuniary, liability, cyber, uber, airbnb, blablacars, adoption, considered, adopted, legacy, portals, centers, retain, optimize, pricing, breakdown, starting, mainframe, curve, commercial, iot, advanced, sensors, sources, wearables, modelling, risky, managed, armed, personnel, pilot, carried, aviva, correlation, purchase, safer, resulting, quote, fraud, detection, successful, marketing, improved, experience, fintech, insurtech, foster, distribution, channel, devices, apps, monitor, daily, lifestyle, telematics, temperature, monitoring, thermostats, pulse, remote, facilities, personalized, adjustable, prevention, shown, suggested, tier, combining, usage, behaviour, detecting, fraudulent, behaviors, learning, techniques, sophisticated, tech, looking, disrupting, amazon, tailored, zhong, chinas, combines, thousands, example, moneysupermarket, aggregators, comparable, choosing, disruption, cutting, challenges, facing, engagement, aversion, shifting, consumer, continuous, transparent, organizational, limited, interaction, intermediated, digitalization, further, weakened, bond, insurers, design, conference, munich, christof, mascher, officer, allianz, mentioned, higher, frequency, countless, frequent, understand, ecosystems, tailor, nevertheless, reviewing, inspired, transformation, fails, likely, decreasing, lifetime, adopting, building, culture, adapting, differentiate, focusing, portion, enormous, difference, connections, offered, servicing, underwriting, inaccuracy, due, lack, statistically, correct, settlements, onboarding, handling, reinsurance, requirement, completing, validated, manual, medical, required, inform, hospitals, click, recapture, blood, pressure, status, test, body, index, typical, registering, endorsement, renewal, occur, monthly, quarterly, semi, annually, repetitive, stage, increased, delay, leaders, solve, administration, mapping, typically, average, aviation, marine, involving, assessments, proportionate, absolved, indicates, unit, action, timely, client, investigation, diligence, potentially, paying, internal, external, expertise, adjusters, surveyors, superintendent, widespread, multiple, request, involved, region, regulators, capacity, exposure, located, globe, adjustment, discussion, reduction, basically, profit, earned, income, incurred, expenses, designed, considerations, effective, reduce, compared, downward, sloping, exponential, curves, moores, law, speed, kryders, storing, memory, nielsens, shipping, bandwidth, affected, conducting, applicable, methodology, researchers, selected, defining, going, objective, thee, effectively, getting, discussed, initially, started, observed, efficient, library, references, educational, springerlink, ieexplore, wiley, heinonline, selection, criteria, ensured, press, consultancy, filtered, forward, reduced, specified, speculative, discovered, uncertainty, technical, knowledge, massive, startups, title, abstract, page, settings, available, amounted, inclusion, exclusion, english, journal, article, textbook, suitable, exclude, stated, accessible, solely, code, contained, reviewed, leaving, excluded, repeated, lacked, content, blogs, webpages, pdf, included, additional, pearl, initial, earlier, resulted, excerpts, bringing, quality, checklists, procedures, scoring, score, findings, justified, citations, cited, remaining, mostly, extra, reading, elaboration, extraction, extracted, sheet, updated, columns, extract, needed, resource, discuss, gartners, hype, cycle, trends, advantage, transparently, immersive, perceptual, mike, walker, director, thrive, enterprise, architects, cios, proactively, transformational, maximize, overcome, regulatory, hurdles, developing, continued, adverse, conditions, evolving, preferences, decision, purpose, transformed, traditional, continually, competition, associated, believed, disclose, usually, david, teece, theorist, professor, lingering, acquisition, verification, unstructured, capturing, account, duplicated, causes, highlighted, issues, affecting, delayed, highlights, factor, perception, non, demands, excellent, millennials, generation, en, wikipedia, org, wiki, turning, dropped, nearly, exist, argue, absence, role, validating, transacting, recording, embedded, fingerprint, era, layer, remove, intermediary, forgery, reverse, history, omission, addressed, threatened, constant, shift, availability, funding, improve, visibility, effectiveness, automating, accountability, fairness, favoritism, validation, robustness, mainly, ownership, personal, identity, survey, professionals, percentage, faster, keeping, streamlined, indicating, exploring, aegon, swiss, nascent, adopt, launched, position, themselves, selling, customized, combination, savings, connectivity, exchange, anywhere, anytime, automated, simplification, agility, complexity, decentralization, constraints, compliance, protection, regulation, architectural, choice, favors, integrity, scalability, flexibility, standardize, interoperability, centrally, ddbmss, logically, function, architecture, governance, tamper, free, transactional, analyses, collection, covering, reinvent, interviewed, executive, agree, regard, frequently, competitors, evolve, rapidly, klaus, schwab, chairman, relevance, competitiveness, engaging, importance, develop, microinsurance, rental, alterkeys, com, carpooling, auto, whereby, drivers, charged, mileage, cyberattack, static, serving, provenance, diamonds, uniquely, registered, identification, tracking, easier, physical, hence, proof, wallet, kyc, manage, tradle, io, idchainz, built, yen, partnership, document, nome, enome, australian, developed, patent, pending, empowers, smartphone, ultimate, privacy, banqu, www, banquapp, humanitarian, testing, syrian, refugees, amman, australias, owned, postal, stamp, expand, mr, ahmed, fahour, adding, wider, grant, necessary, european, union, invariably, integrated, interface, documentation, assurance, advisory, leveraged, fake, tampered, united, federal, prosecutors, probes, independently, perform, degree, penalties, gold, insureeth, flight, cancellation, passengers, guaranteed, automatic, refund, compensation, convinced, reported, adults, jumped, quarter, repeal, obamacare, moderate, individually, purchased, emergence, patient, credible, medicalchain, groves, ariel, ekblaw, asaf, azaria, medrec, mit, edu, consolidate, providers, replace, pokitdok, intel, partner, checking, practitioner, credentials, reconciling, errors, ambiguities, verifying, solving, eligible, pharmacy, determine, coverage, limits, copays, alerted, restrictions, prescription, commonly, referred, phantom, causing, loses, florida, notorious, drug, technicians, susan, hayes, outcomes, specialist, affirms, sponsors, healthchainrx, pivot, scalamed, dr, tal, rapke, scalemed, transferring, placing, firmly, journey, freeing, medicine, vehicle, furthermore, witness, uninsured, nigeria, nigerian, association, motorists, avoid, buying, worrisome, unsuccessful, attempts, initiated, collaborate, enforcement, attributed, rising, inclusive, honest, south, africa, wheelers, australia, pertaining, actual, confident, traceable, akerlofs, lemons, buyers, sellers, encouraging, discrediting, hiring, expert, check, dealers, certify, audit, agency, heuristic, prospective, multilateral, denmark, lifecycle, captured, register, governs, inherently, reliable, danish, customs, tax, originally, defect, knoedler, york, forced, court, painting, prone, effort, priced, opposed, representing, assuming, bitfury, digitize, epigraph, austin, domestic, fidelity, national, share, american, republic, stewart, geographical, pool, improving, accommodation, booking, safeshare, british, confirm, counterparty, obligation, partnered, vrumi, connects, homeowners, office, maintained, affordable, charge, lloyds, normal, norm, purchasing, basics, acquired, changecoin, micropayment, reputation, profiles, credibility, synergy, behavioral, loan, incremental, experiment, repairs, faulty, automate, slock, german, apartment, ethereum, unlock, renter, dynamis, unemployment, severance, businesses, layoffs, resignations, powered, linkedin, employees, employment, teambrella, russia, leverages, concept, pre, influence, administrators, initiative, setup, harald, rosenberger, member, success, therefore, doing, exploration, boundaries, bernardo, nicoletti, strongly, rethinking, lemonade, prompt, boughtbymany, proving, unique, travel, exceptional, nonfinancial, accounting, modifications, withdrawals, surrenders, generates, absorbing, larger, multi, susceptible, calculation, net, seamless, facultative, ceding, treaty, longer, relationship, excess, complex, overtimes, tried, gross, solvency, pillar, disclosure, supervisory, europe, false, surveillance, streamline, reconciliation, regulated, ceded, cedent, reinsurer, drafted, informed, payout, regularization, losses, arrangement, leakage, conflicting, interpretation, insufficient, recovery, blem, ltd, efficiently, administering, production, reinstatements, programs, turnaround, previously, experienced, solves, requiring, miner, mathematical, verify, tsai, blower, zhu, yu, symposium, oriented, cross, border, pave, modes, financing, lending, ripple, interbank, october, volumes, separate, datafile, extremely, cumbersome, encourage, settling, promptly, undergoes, submission, finally, approval, roughly, coalition, relations, reporting, deterrence, enforced, significantly, digitized, executed, encoded, interdependent, provision, repository, conflict, eliminated, prior, noted, nicaragua, spent, investigating, bureau, tackle, crime, popular, crash, cash, scam, allowed, accident, induced, whiplash, movement, fraudsters, combat, nowhere, marketplace, barriers, police, theft, updating, plex, ai, canadian, diagnostics, subrogation, lawyers, protecting, relating, greatly, enhance, authentication, evaluated, manually, assessors, elongating, removing, automatically, triggered, occurrence, specific, trigger, agreed, insureth, funeral, beneficiaries, notified, dispute, bitrated, serves, arbitrator, instantly, nephila, implement, natural, catastrophe, swap, hurricane, investors, principal, presently, authenticating, legitimacy, hans, ronny, et, al, contractual, replacing, intervention, synchronized, stakeholders, pooling, mitigate, avoidance, measure, becoming, increasingly, preventive, rather, reactive, assistance, manufacturers, vendors, initiation, extensive, cooperation, irreversible, finalized, poses, standards, eventually, auditing, experfy, hire, encoding, venture, prospect, portfolio, bookkeeping, anti, laundry, active, respond, managers, regularly, examining, performance, highly, tools, sustained, heavily, safely, auditable, facilitate, collaborative, swaincoin, crafted, artwork, swancoin, tumblr, benedikt, notheisen, jacob, benjamin, cholewa, arun, prasad, shanmugam, working, significant, subjective, maximum, scale, capgemini, efma, approves, redefine, participating, promoting, forming, coordinate, disseminate, congress, align, identifying, functional, interview, impacted, switch, holders, surveyed, standardization, georgia, trade, commission, commodities, trading, pioneered, metlife, labs, singapore, counties, raconteur, indicated, wonderful, direct, invest, infuse, micro, trail, remittance, triggering, dependency, arbitration, dynamics, everledger, shocard, chainthat, blockstack, onename, friendsurance, existence, augur, genecoin, openid, ariba, lenderbot, codex, interchainz, bitgo, edgelogic, blockverify, factom, saved, profiling, verifiable, upside, unable, laundering, silk, hacking, forking, handled, theoretical, megabyte, synchronization, tally, michael, mainelli, chiara, von, gunten, kickstart, experimentation, supported, insuranceblog, seizing, theblockchain, prioritize, clear, variety, strategic, bigger, communicating, approving, discussing, encrypted, historical, trustworthy, estonia, norway, netherlands, reality, gov, exactly, surname, completely, retention, robust, balanced, vast, taxation, edmund, tribue, dealing, simple, supervised, actuaries, redefined, period, oil, gas, placement, maersk, amlin, willis, watson, microsoft, accuracy, chartered, multinational, secured, ratio, aircraft, initiating, quotation, fragmented, newly, married, dead, gotten, respectively, rethink, acting, innovators, task, brake, airbag, compensate, habits, valued, file, promising, applied, licenses, bigdata, played, irrefutable, vital, insures, integration, riskblock, alliance, formed, indicative, projection, productivity, fig, demonstrating, burden, arise, apportion, negotiations, signed, apportionment, leveraging, customization, maintain, throughputs, restrict, concerning, fluctuation, proposition, compare, varying, patch, membership, continuity, planning, igor, kabashkin, taken, vulnerabilities, skilled, tipping, advise, prepared, educating, workforce, seize, solmaz, altin, convenient, simplicity, duplication, paperwork, minimum, judgement, characterized, underwriter, administrative, map, quest, validity, refers, inference, chosen, evidence, recommends, aggregating, analyzed, biases, checked, download, university, excepted, relates, asia, topic, producing, documented, headers, author, conceptual, link, docs, spreadsheets, edit, uspsharing, preciseness, noticed, subject, hypothesis, contradictions, materials, mention, ad, metrics, penetration, expect, tested, powering, opening, writing, lowering, redundant, fastest, highest, evolved, elimination, supporting, continents, zone, computational, processed, tps, visa, glimpse, hope, pow, suggests, willingness, grey, configuration, deployment, blockbench, deeper, spiral, inaugural, observing, welcome, manipulation, regulate, crypto, extend, erasure, suggestions, incentives, figured, fusion, openness, addition, cultural, predicts, invariable, answered, proves, stronger, experimenting