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Answer for the clue "Insurance abbr. ", 3 letters:
tlo

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Wikipedia Word definitions in Wikipedia
TLO , or Turun linja-autoilijain osakeyhtiö ( Finnish for Turku Bus Operators Ltd ) is a group of bus companies and the main operator of the regional public transport in the region of Turku , Finland . TLO was founded in 1954 by over fifty private bus companies. ...