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Which of the following are not Unfair Methods of Competition or Unfair or Deceptive Acts?Choose one answer. a. Misrepresentation or false advertising of benefits, advantages, conditions or terms of an insurance policy b. Twisting or Churning c. Refusal to insure solely because of race, color, creed, marital status, sex, or national origin d. Giving to an insured, for advertising purposes, an article of merchandise having a value of $25 or less

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