1) Mary and her housemate Nick decide Mary should purchase an insurance policy on her life as part of their joint house plan

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1) Mary and her housemate Nick decide Mary should purchase an insurance policy on her life as part of their joint house plan. Nick is named as beneficiary. Mary's housemate, Nick, is a

(A) Intended Creditor beneficiary

(B) Intended Donee beneficiary.

(C) Incidental beneficiary

(D) Delegator beneficiary.

2) Damages awarded in a civil lawsuit to punish the wrongdoer in cases involving wilfiul or malicious misconduct are called.

(A) Money damages

(B) Damages for cover.

(C) Punitive damages.

(D) Special damages

3) Negligence is

(A) A crime

(B) An intentional ton

(C) A failure to exercise reasonable care

(D) Strict liability