IIAP REVIEWER

MODULE 1 Foundations of Life Insurance

1. The fundamental advantage of the use of life insurance as a means of meeting economic losses is that
through insurance these losses are

a) spread over a large number of people

b) deferred for a specific period of time
c) reduced for the group as a whole through the multiplier effect
d) met as they arise through savings accumulated on an assessment basis

2. Life insurance can provide money when income stops because of

a) disability
b) death
c) retirement
d) all of the above

3. Life insurance is

a) a luxury afforded by the rich

b) only available to a specific group
c) a cooperative risk-sharing plan
d) a speculative risk

4. Life insurance contributes directly to the welfare and progress of the country by

a) accumulating capital for investment in commerce and industry

b) partially relieving the community of the care of dependents
c) encouraging provisions for the future
d) all of the above

5. The number of years that persons at a given age will live on the average as shown by
the mortality table is called

a) law of large numbers

b) life income option
c) life annuity
d) life expectancy

6. The official who makes the necessary assumption and calculation in respect of the
principal elements in life insurance premium in order to arrive at the premium rates

a) life agent c) senior statistician

b) Insurance Commissioner d) Actuary

7. To be able to calculate the required premiums for a given policy, the agent must know the applicant's

a) age
b) choice of plan
c) face amount desired
d) all of the above

8. A fixed amount added to the premium of a given policy regardless of policy size is known as
 a) policy fee
b) policy reserve
c) policy values
d) extra premium

9. Which of the following factors would have the least effect on the premium
charged for life insurance

a) age c) income
b) occupation d) all of the above

10. The three elements that make up a life insurance premium are

a) mortality experience, investment earnings and operating expenses

b) cash values, dividends and paid up values
c) cash values, loan values and paid up values
d) past dividend experience, present dividend and projected interest

11. Part of the premium paid by a policyholder is invested by the insurance company. In
premium computation, this factor is known as

a) interest
b) investment
c) loading
d) mortality

12. The term loading means

a) the difference between the gross and net premiums for the purpose of paying the
insurance overhead expenses including commission and taxes
b) the amount which the company will lend to the policyholder with the policy as
a security
c) the amount payable in the event of the occurrence of a loss which renders him unfit
for insurance.
d) None of above

13. A single premium policy means a policy

a) requiring only a single premium each year

b) under which only one premium payment is required
c) only available to single individuals
d) on which no more than one premium can be paid in advance

14. To calculate premiums for the other modes of premium the annual premium is

a) divided by the desired number of premium payments

b) divided by a conversion factor for the mode of payment desired
c) multiplied by a conversion factor for the mode of payment desired
d) multiplied by a constant conversion factor

15. The common practice of most life insurers is that the life insurance goes into force
 a) when the application is received by the branch office
b) when the policy is delivered to the applicant
c) in accordance with the legal stipulation of the Insurance Code
d) when the agent gives a binding receipt

16. Policy reserves are future obligation on the part of

a) the Insurance Commission c) the beneficiary

b) the Insurance Company d) the policyowner

MODULE 2 Basic Plans of Life Insurance

17. An insurance plan which offers both protection and saving is called

a) temporary plan c) participating plan

b) permanent plan d) non participating plan

18. The savings element of permanent plans allows for the buildup of

a) dividends c) maturity benefits

b) cash values d) death benefits

19. A term policy only offers

a) cash values c) savings

b) protection d) dividends

20. The main difference between a term plan and a permanent plan is

a) permanent plans provide both protection and savings while term plans offer
protection only
b) permanent plans provides savings and dividends while term plans provide
savings only
c) permanent plans can be converted and renewed while term plans cannot

21. Which of the following can give the longest protection?

a) 20 Yr. Endowment c) Ordinary Life

b) 20 Pay Life d) 20 Yr. Term

22. In a 20 Life policy

a) protection is until age 100, payment of premium is for 20 years

b) protection is until age 100, payment of premiums until age 100
c) protection is for 20 years, payment of premium is for 20 year
d) protection is for 20 years, payment of premiums until age 100

23. An individual at age 35 purchases a policy under which he will in 20 years

receive the face amount of the policy himself, if he is still alive at that date. This
 policy is obviously a

a) 20 Yr. Endowment c) 20 Yr. Term

b) 20 Pay life d) None of the above

24. A man with moderate means can have maximum protection possible through

a) 20 Yr. Endowment c) Term Insurance

b) Limited Pay Life d) Whole Life Insurance

25. Mrs. Rose Cortez owns a policy which does not provide for the buildup of
cash values and whose premiums remain level. Mrs. Cortez owns:

a) Ordinary Life c) Decreasing Term

b) Limited Paylife d) Level Term

26. Two attractive features of a Term Insurance are :

a) convertible and cash values
b) cash values and dividends
c) protection and dividends
d) convertibility and renewability

27. A term insurance which allows the policyowners to convert it to a permanent

insurance within a specified period without evidence of insurability contains _____
feature:

a) convertibility c) dividend option

b) renewability d) both a & b

28. The convertible feature of a term insurance policy provides that the policy maybe

a) changed to a permanent insurance policy without evidence of insurability

b) changed to another life
c) cashed for a guaranteed sum
d) changed to permanent insurance with evidence of insurability

29. Mr. Juan Valdez wants a policy which will entitle him to receive dividends
yearly. What will you recommend to Mr. Valdez?

a) Participating Plans c) Term Insurance

b) Non-participating plans d) None of the above

30. A participating plan entitles the policyowner to receive a return of excess

premiums. Such is termed as:

a) endowments c) cash values

b) dividends d) cash surrender value

31. When explaining dividends, the following information must be supplied

a) that they are not guaranteed

b) the dividends paid up in the previous years
 c) the anticipated dividends
d) the relation to the cost of the policy

MODULE 3 Supplementary Contracts / Riders

32. An optional rider which can be attached to a policy stopping further premium
payments in the event of disability is called

a) policyholder protection clause

b) accidental death and dismemberment
c) waiver of premium
d) total disability monthly income

33. For the waiver of premium to be effective

a) disability must be total

b) disability must be permanent
c) both a & b
d) either a or b

34. One supplementary benefit offered is a payor’s benefit which is intended to

a) provide for the return of premiums to an adult payor in the event that a minor insured dies
b) provide a waiver of premium benefit in the event of death or disability of the person paying the
premiums
c) allow the insurance company to pay the policy’s proceeds to the person who seems equitably
entitled to the proceeds
d) assure that the adult payor will retain a vested interest in the policy when the insured reaches the
age of majority

35. A policy with a minor as the proposed insured is called

a) rated policy
b) juvenile policy
c) regular policy
d) substandard policy

36. If a policy with the accidental death rider becomes paid up

a) the accidental death rider ceases

b) the face amount of the policy is reduced
c) premiums on the basic policy stop but the rider premium continues
d) none of the above

37. Within two years of buying a life insurance policy, you are accidentally killed
when your car hits a tree. In these circumstances the insurance company will

a) refund premiums because it is suicide

b) pay double the face amount
c) pay the face amount
d) pay nothing

38. A term rider is

a) a term policy with a waiver of premium

b) another name for a convertible term policy
 c) a renewable term policy
d) a term insurance added to a permanent plan

39. A person wanting a greater coverage for the least amount of premium has an option of attaching what
rider in his permanent life policy?

a) a waiver of premium c) guaranteed insurability rider

b) term insurance rider d) accidental death rider

40. If a loan is taken on a participating policy, dividends for that policy while there is a loan
against the policy will be

a) suspended
b) paid a reduced rate
c) unaffected
d) increased

41. If an insured is disabled and his life insurance policy is being continued in force through the waiver of
premium, the dividends of the policy would

a) cease
b) continue at reduced rate
c) continue as if the owner is paying the premium
d) continue but they would be applied toward premium being waived

MODULE 4 Risk Selection

42. In insurance, risk means

a) chances of you being paid by the company

b) hazard on people’s lives
c) chances of the beneficiary being paid
d) none of the above

43. Anti-selection occurs

a) when an agent thinks only of his own interest and not of his policyowners
b) when you purchase bad stocks with expectation that they will improve
c) when the insurance company accepts more than as share of poor risks
d) when persons in poor health wish to buy insurance

44. A hazardous occupation could be defined

a) an occupation the duties of which expose the insured to a degree of

danger of sustaining injury
b) an occupation in unhealthy working conditions exposing the insured to elements which can cause
sickness
c) an occupation which exposes the insured to social hazards
d) all of the above

45. Insurance Companies have various sources of information and the insured. These are
a) application form c) inspection report
b) medical information bureau d) all of the above

46. An agent is filling up the Agent’s Confidential Report. What information must he put in his report?

a) information about insured’s standing in the community

b) information about insured’s finances
c) all information he knows which are material to the application for insurance
d) a & b only

47. Choose the incorrect statement

a) the application and the policy

b) any verbal statement made by the agent to the applicant
c) any document attached to the policy when issued
d) any subsequent written amendments to the contract

48. Statement in the application forms are

a) guarantees
b) representation
c) warranties
d) none of the above

49. All of the following statements regarding a life insurance application are correct except
a) it must be signed by the applicant
b) usually it will be made a part of the policy contract
c) misstatements of material facts could void the policy during the contestable period
d) statements made on the applications are warranties

50. Why is it important that the application is the basis of the policy?

a) because the completed application is the basis of the policy contract and the company may accept
or reject an application based on the information given in the application
b) for the agent to have available data of his prospect in connection with future sales
c) to avoid the necessity of the insurer putting all relevant details in the contract
d) none of the above

51. Which one of the following statements is correct?

a) advertising by life insurance agents is prohibited

b) all information about a client or a prospective client has to be treated as confidential
c) the agents should always recommend the amount and type of policy to a prospective client which
would be profitable for the company
d) when an agent advertises his services in the press, he is not allowed to state the name of his
company.

52. In an application, the information that must be disclosed include

a) only his date and place of birth

b) only his family history
c) every fact in his knowledge that is material to the insurance
d) only information he wants the agent to know
53. In the case of life insurance a sale is considered completed if the applications is signed and payment
of the first premium is made by the applicant. For the sale to be considered completed

a) a medical examination has to be made first

b) payment of the first premium has to be made by the applicant in full or in part, as specified. One
of the acceptable methods of settlement is by cash or check in part, with a note for the balance
c) payment of the first premium has to be made in full by a note first
d) the first premium has to be paid for in full and in cash

54. Mr. Roel Reyes has been confined in a hospital 3 years prior to his application for insurance. He
therefore needs to give the following information

a) name of attending doctor, diagnosis, date of confinement

b) the bill and medicines
c) name of doctor only
d) date of confinement only

55. Insurance companies have a source of confidential medical information on applicants for life
insurance. This is the

a) agents confidential report bureau

b) inspection reports bureau
c) financial standing bureau
d) medical impairment bureau

56. In insurance risks are classified as

a) unacceptable and acceptable c) standard, substandard and declined

b) regular and irregular d) complete and incomplete

57. A risk is considered substandard based on any or all of the following criteria

a) death, occupation and moral character

b) occupation, moral character and family health history
c) income, educational attainment and occupation
d) death, income and educational background

58. Life insurance policies for which higher than standard premium rates are payable are said to be

a) rated policies c) non-participating policies

b) contingent policies d) conditional policies

MODULE 5 Legal Aspects

59. The IC has the power to adjudicate insurance claims against insurance companies for any single claim
not exceeding

a) P 1,000,000.00
b) P 250,000.00
c) P 100,000.00
d) P 500,000.00
60. The parties involved in life insurance contract are the

a) insurance company and agent

b) insurance company and insured
c) agent and insured
d) insured and beneficiary

61. Stock companies are owned by

a) policyowners c) creditors
b) stockholders d) government

62. Insurance companies which are owned by the policyowners are example of

a) stock companies c) family corporation

b) mutual companies d) open- end companies

63. For a contract to be legal and binding

a) parties to the contract must be members of the bar

b) parties to the contract must be legally competent
c) parties to the contract must be above 21
d) parties to the contract must possess blood relationship

64. A father enters into a life insurance contract on behalf of his child. In this case,
the father is the

a) insured
b) beneficiary
c) insurer
d) applicant-owner

65. A person has insurable interest in the life of

a) his child or grandchild

b) any person upon whom he is wholly or in part dependent on, from whom he is receiving
support or education.
c) Any person in whom he has pecuniary interest.
d) All of the above

66. According to insurance law, a common-law spouse cannot be designated a

beneficiary

a) since there is no benefit of marriage in the relationship

b) if his/her legal partner is still living and the previous marriage has not been
legally dissolved.
c) since the common-law relationship is an immoral relationship
d) all of the above

67. Anybody can be designated a beneficiary except

a) a creditor
b) minors
c) those expressly prohibited by law to receive donations
d) all of the above
68. All of the following would be practicable to become beneficiaries except

a) children by former marriage

b) brothers and sisters
c) someone who owes you money
d) someone to whom you owe money

69. If a policy did not contain the name of a beneficiary the beneficiary will be

a) the wife
b) the children
c) the insured’s brothers & sisters
d) the insured estate

70. If a policyowner whose wife is the irrevocable beneficiary wishes to cash in

his policy, he must

a) tell his wife what he is going t o do

b) first take a loan on the policy
c) have the check issued in the name of his wife
d) have the wife’s consent

71. Under the law pertaining to life insurance

a) income tax is levied on the proceeds

b) income tax is levied on the interest earnings of the proceeds
c) estate tax is levied on the proceeds
d) donor’s tax is levied on the proceeds

MODULE 6 Policy Provisions

72. For life insurance coverage to be valid, insurable interest must exist

a) only at the inception of the policy

b) only at the time of the loan
c) throughout the entire lifetime of the policy
d) both at the time of the policy issue and at the time of the loan but no necessarily throughout the
lifetime of the policy.

73. The insurance code specifies that a contract does not take effect unless

a) the policy is delivered to an insured, his assignee or agent or to a beneficiary

b) payment of the first premium is made to the insurer or its authorized agent
c) no change has taken place in the insurability of the life to be insured between the time of the
application was completed and the time the policy was delivered
d) the insured has named in the policy no fewer than two beneficiaries

74. Since the purchase of life insurance is a voluntary choice, the individual must meet

a) comprehensive inspection report

b) certain standards of health and occupation
c) minimum income requirement
d) all of the above
75. If the insured dies during the grace period of an unpaid life insurance policy,
the amount payable to the beneficiary is usually the

a) total premiums paid plus interest

b) cash surrender value of the policy minus the unpaid premiums
c) face amount of the policy minus the unpaid premiums
d) full face amount

76. The typical grace period provision in a life insurance policy obliges the life insurance company to

a) establish a policy loan to cover any premium which the policyowner fails to pay by due date
b) keep the policy in force for the duration of any major disability suffered by the policyowner
c) allow the policyowner a three-month extension beyond the due date to make the late
premium payment without penalty.
d) None of the above

77. If a policyowner does not pay a premium on the due date, the policy will immediately

a) lapse
b) be converted to a paid up policy for a lesser amount
c) go into automatic premium loan
d) continue in full force for a period of grace.

78. An automatic premium loan differs from the other policy loan in that an
automatic premium loan

a) need not be repaid by the policyowner

b) must be repaid during the policy year in which it is granted
c) goes into effect requiring no separate action from the policyowner
d) involves higher interest payments because of the greater cost of administration.

79. Which one of the following provisions in a permanent life insurance policy
may lapse for non-payment of premium.

a) Guaranteed Insurability
b) Automatic Premium Loan
c) Settlement Options
d) Reinstatement Provision

80. A policyholder may obtain money from the insurance company and still remain insured by

a) surrending the policy for its cash value

b) discontinuing payment of premium for some period
c) taking a policy loan
d) taking the extended insurance option

81. Interest is charged on policy loans

a) for registered policies only

b) if the loans is outstanding for more than a year, a loan repaid within a year is interest free
c) to replace investment income the insurer cannot earn since a loan has been granted
d) for participating policies only
82. When a policy is assigned absolutely

a) the assignee acquires all the rights and interest of the original policyholder.
b) The original policyholder still can exercise some of the rights.
c) The original beneficiary is not changed none of the above.

83. When you bought an insurance policy on your wife’s life you were 26 and she was 27, but you stated
that you were 25 and she was 26. Five years later your wife died. The insurance company will pay

a) the face amount

b) the face amount adjusted for misstatement of age
c) the sum of the premium paid
d) slightly less than the face amount

84. In case of misstatement of age

a) the policy is cancelled and a new one is issued for the correct age
b) the insured can be changed
c) the amount of insurance is adjusted to the amount which the premium paid at
the correct age would have purchased
d) the policy remains in force and the company cannot contest it

85. Mr. Dela Cruz stated in his application that he was 30 years of age and a policy was
issued to him on that basis. When he died twenty years later it was found out that, in
fact, he was 34 years of age at the time of his application. In conformity with the
Insurance Code, the company

a) pays the amount of insurance payable to his beneficiary reduced in relation to his actual age at the
time the contract was signed.
b) pays one half of the face value of the policy
c) need not pay the face value of the policy, but refund all premiums paid
d) pays the full face value of the policy without any extra charges

86. The suicide clause is in effect for

a) the first 6 months

b) the first year
c) the first 2 years
d) the first 18 months

87. If a policyowner commits suicide within one year, what’s the company’s liability?

a) the company is not liable at all

b) the company would be liable for the payment of the face value of the policy
c) the company would be liable for the payment of the premiums paid by the insured
only
c) none of the above

88. Disability benefits are not paid

a) for self-inflicted injuries

b) if there is a loan against the policy
c) if all the policy dividends have been withdrawn
d) If disability resulted from sickness only
89. Mr. Pedro Cruz became paralyzed as a result of jumping out of the window in an
attempt to commit suicide. Under the usual provisions of a disability income policy,
he would be entitled to

a) receive the total disability income benefit and the waiver of premiums
b) receive partial disability benefits
c) be granted the waiver premiums
d) receive neither disability income nor waiver of premiums

90. What are the basic settlement options?

a) cash surrender value, automatic premium loan

b) fixed amount, fixed period, interest, fixed period and for life
c) double indemnity, total disability waiver of premium
d) policy loans, assignment, beneficiary designation

91. Which of the following is a settlement option

a) policy loan
b) cash surrender value
c) extended term insurance option
d) interest on insurance proceeds

92. The three non-forfeiture values in a permanent policy are

a) cash dividends, bonus additions an extended term insurance

b) cash surrender value, loan value, assignment
c) waiver of premium, reinstatement and the policy loan
d) cash surrender value, paid value, extended term insurance

93. Which one of the following is not derived from the non-forfeiture values

a) cash surrender value

b) paid up insurance
c) dividends
d) extended term insurance

94. In the event that a policy elects the paid up insurance option

a) the premiums stop and the policy continues for the full face amount until age 65
b) the premium cease and protection continues with a reduced amount of coverage
c) the insurance continues at a reduced amount and with a reduced premium
d) the policy will automatically terminate

95. Name the provision in a permanent life insurance policy under which if the premium are
discontinued full insurance coverage will be maintained for a specified period

a) extended term insurance

b) paid up insurance
c) paid up additions
d) life income option
96. In the event that the policyowner elects the paid-up insurance option

a) premiums stop and the policy continues for a full face amount until age 65
b) premium cease and protection continues for a reduced amount
c) insurance continues at a reduced amount and with reduced premium
d) the policy will automatically terminate

97. Which of the non-forfeiture option gives the largest amount of protection

a) fully paid insurance c) extended term insurance

b) cash surrender value d) all of the above give equal protection

98. Any policy which has lapsed can be reinstated subject to normal conditions of proof of insurability
within

a) three years c) one year

b) six months d) two years

MODULE 7

99. An annuity plan

a) offers life insurance protection

b) offers the waiver of premium benefit
c) is the same as an endowment plan
d) is a purchase of income

100. The person who purchases the annuity plan is called the

a) assignor c) insured
b) owner d) annuitant

101. Benefits payable under health insurance policies cover

a) accidental death and dismemberment benefits

b) expense reimbursement benefits
c) disability income benefits
d) all of the above

102. With employer-employee groups, an employee does not fill out a personal

application for insurance. Instead he merely fills out.

a) an enrollment card
b) a registration card
c) a certificate of insurance coverage
d) a salary deduction form
103. In the event an employee leaves the company in which he is a member of its
Group insurance policy, his group coverage can be changed to an individual policy using the

a) policy exchange facility

b) conversion privi1ege
c) change of plan provision
d) policy change form

104. A life insurance company earns income from two main sources

a) premium income and investment income

b) mortgage income and premium income
c) dividend income and interest income
d) mortgage income and dividend income

105. The insurance industry is under government regulations because

a) it is required to account for money spent in company operations

b) it pays high taxes
c) it affects public interest
d) it is charitable institution

106. Prior to granting a license, the IC requires proof of

a) a clean record of employment

b) a reasonable educational background
c) a prospective agent’s character and reputation
d) all of the above

107. Which one of the following statements is correct?

a) an insurance agent’s license will be renewed when the Commissioner is satisfied that the
information in the application is accurate and all requirements are met
b) an insurance agent’s license is valid only for one month
c) an insurance agent’s license is valid during the lifetime of the agent
d) an insurance agent’s license will be renewed when the corresponding application and fee are
received by the Insurance Commissioner

108. An insurance agent’s license can be revoked for

a) fraudulent practices
b) violation of any provision of the Insurance Code
c) misrepresentation in the application for license
d) any or all of the above

109. The following are unethical practices in the solicitation and procurement of insurance except

a) misleading estimates of the dividends or shares of surplus to be received thereon

b) inducing a policyholder to lapse, forfeit or surrender a policy he holds for another company
c) misrepresenting the terms of any policy issued by any insurance company or the
benefits or advantages promised thereon.
d) obtaining or attempting to obtain a license by fraud or misrepresentation
110. Which one of the following statement is correct?

a) an agent is allowed to share commissions when selling a whole life policy but not when selling a
term policy
b) an agent is allowed to share commissions with another licensed agent or agents but with no one
else
c) sharing the commissions with any other person is called twisting
d) an agent is not allowed to share commissions with any person

111. Which one of the following statements is correct?

a) rebating of premiums can only be authorized by the head office of the insurer
b) a life insurance is not allowed to identify on his letterhead the name of the insurer he represents
c) life insurance agents are allowed to act for two insurers at the same time under the same license
d) rebating of premium by an insurance agent is prohibited

112. Rebating is

a) dating the policy a month in advance c) twisting

b) giving false information d) premium discrimination against
policyholders

113. Persuading a policyowner, directly or indirectly, to surrender or lapse a policy in one company
and replacing it with a policy in another company is

a) rebating c) twisting
b) knocking d) discounting

114. Twisting is

a) paying the premium on one policy by surrendering the dividends of another policy
b) the replacement of a policy in one company with another policy in another company
c) an attempt made by an insurance company to secure the services of an agent from another
company
d) an offense which does not apply to variable concepts.

115. Inducing an insured to lapse or forfeit his insurance

a) is not allowed by the conditions of the contract

b) is always to the advantage of the policyholder
c) is an offense in the great majority cases
d) is a matter left entirely to the discretion of the agent

116. The term knocking means

a) promising to pay to two annuitants a fixed annual income as long as both survive
b) making derogatory remarks about competing underwriters or companies
c) the number of years that person at a given age will live on the average as shown
by the mortality table
d) none of the above

117. Selling a person more insurance than what is warranted by his sources is called

a) overloading c) rebating
b) twisting d) knocking
118. The misstatement of facts by either of the parties of insurance to the other whether in writing or
orally preliminary and in reference to making the insurance contract is

a) knocking c) misrepresentation
b) overloading d) twisting

119. One example covered under the ethical practices and procedures is

a) keep all policyholders information confidential

b) always recommend a will
c) never drink in front of client
d) always pick up the first premium with the application for insurance

120. An agent is prohibited from doing all of the following except:

a) alter an application without the applicants prior written approval

b) convince a prospective client to cancel his policy in one insurance company in order to buy a
policy in the insurance company represented by the agent.
c) refund some of his commission to his client
d) make complete comparisons of policies he sells and those offered by competing
insurance companies
Answer key
Module 1 Module 4
42 b 83 b
1 a
43 d 84 c
2 d
44 d 85 a
3 c
45 d 86 c
4 d
46 c 87 c
5 d
47 b 88 a
6 d
48 b 89 d
7 d
49 d 90 b
8 a
50 a 91 d
9 c
51 b 92 d
10 a
52 c 93 c
11 b
53 a 94 b
12 a
54 a 95 a
13 b
55 d 96 b
14 c
56 c 97 c
15 d
57 b 98 a
16 b
58 a Module 7
Module 2
Module 5 99 d
17 b
59 c 100 d
18 b
60 b 101 d
19 b
61 b 102 a
20 a
62 b 103 b
21 c
63 b 104 a
22 a
64 d 105 c
23 a
65 d 106 d
24 c
66 b 107 a
25 d
67 c 108 d
26 d
68 c 109 d
27 a
69 d 110 b
28 a
70 d 111 d
29 a
71 b 112 d
30 b
Module 6 113 c
31 a
72 a 114 b
Module 3
73 b 115 c
32 c
74 b 116 b
33 c
75 c 117 a
34 b
76 d 118 c
35 b
77 d 119 a
36 a
78 c 120 d
37 c
38 d 79 b
39 b 80 c
40 c 81 c
82 a