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Insurance problems that novices don't understand (involving Australia and New Zealand)

Let me answer your question with A\B\C\D!

1.B

2.B

3.D

4.D

5.A

7.B

8.B

9.D

10.C

1 1.C

12.B

13.A

14.C

15.D

2 1.C

22.D

23.A

24.B