Finnish is an interesting language as it is "new" in the sense that the first written form of it was compiled about 200 years ago by one person. This became the "book language" that is taught in schools and it is rule based with very few exceptions. It is like math. Now though, there are also "loan words" that come into it, as you noticed above with kosmetikka and hygenia. There are also mani other ones like bussi and taksi. It also loans words from Swedish and Russian.
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