$1\mathrm{.}18$

$19\mathrm{.}20$

$21\mathrm{.}39$

$31-60$

$41$:$49$

$26.$ Andy Agent tells Carrie Customer that her PAP will be written on a standard form, endorsed with a state$-$specific endorsement that modifies coverage to comply with her state's regulatory requirements. Andy tells Carrie that the standard form

a$.$ is identical to numerous other insurers' policies.

b$.$ is cheaper than nonstandard forms.

c$.$ guarantees that claims will be settled in Carre's lavor.

d$.$ ensures that Andy will receive a larger commission from the insurer who writes the policy.