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Scenario 1 Heavy Smoker 12 packs per day Monthly spend: 500900 Behavior in 2026: More likely to switch brands Focus on consistency + cost Less loyalty to premium labels Scenario 2 Casual Smoker A few packs per week Behavior: Stays with premium brands Less sensitive to price increases More influenced by experience Scenario 3 Switcher This is the fastest-growing group

2, within each style of STP the water contents for individual products were similar to each other except for the P Snus category where three of the products had significantly lower water contents than the average: Catch Dry White Eucalyptus Mini (22.4%), Catch Dry White Licorice Mini (22.2%) and Wise Citrus and Menthol (5.5%)

"We also run additional sensitivity scenarios such as a one-time steep decline in cigarette consumption to address potential shocks to the industry or significant regulatory changes." Over the long term, MMA's Fabian said, "the whole asset class has a payment sufficiency challenge." As cigarette smoking declines and is eclipsed by vaping, tobacco settlement revenues haven't kept up with projections