lack – n. the state or condition of not having any or enough of something: the state or condition of lacking something

benefit – n. money that is paid by a company (such as an insurance company) or by a government when someone dies, becomes sick, stops working, etc.

assume – v. to think that something is true or probably true without knowing that it is true

exposure – n. the fact or condition of being affected by something or experiencing something : the condition of being exposed to something