Practice Exam 21. When Sammy started with his new office, his broker suggested that he practice filling in a listing agreement using his own house. This activity will help Sammy acquire a. product knowledge. b. technical knowledge. c. marketing knowledge. d. communication skills. 2. A sales associate’s leads are sorted into five categories. Which is NOT one of those categories? a. Close friends and family b. Customers c. Targeted friends d. Acquaintances 3. Under the Americans with Disabilities Act, architectural barriers must be removed to maximize accessibility, if such access is readily achievable. Readily achievable means that a. all parts of a building must be retrofitted to be accessible. b. the removal of barriers can be accomplished with little difficulty or expense. c. a building owner can decide whether bringing a building into compliance is practical. d. an alternative accommodation can be provided, instead of the removal of a barrier. 4. The a. b. c. d. BEST source of listings for a new sales associate is sphere of influence. canvassing. expired listings. FRBOs. 5. Wilson was preparing a comparative market analysis (CMA) for a threebedroom home in Westlake. One of the three comparable sales he reviewed was smaller by 80 square feet, had an extra garage stall, and was in better condition. He made a $6,000 adjustment for square footage, a $5,000 adjustment for the extra garage stall, and a $3,000 adjustment for condition. Which is correct about his analysis? a. The condition adjustment to the comparable should be +$3,000. b. The square footage adjustment to the comparable should be –$6,000. c. The subject home is more valuable than the comparable property. d. The subject home is less valuable than the comparable property. Page 1 of 16 48. b. Which parking lot design features must be included to meet the requirements of the Americans with Disabilities Act? a. the median home price is $350. b. b. 17 percent. expired listings.6. 12 percent. b. amend the contract to include his wife’s name at closing. FRBOs. d. of the keys to prospecting success is NOT consistency. The accessible parking space should be at least five feet wide for a car with an eight-foot access aisle. Apartment properties with “adults only” designations are illegal EXCEPT a. 11. organization. c. There must be at least 89 inches of vertical clearance. d. The a. prepare a new contract. Larry should a. 10. c. technical knowledge. not attempt to do this if it is a federally related loan transaction. Page 2 of 16 . when there are 15 or fewer units in the property. In Heritage Oaks subdivision. d. a farm. The turnover index in Heritage Oaks is a. b. a relatively new neighborhood with 345 homes. 8. when at least 80 percent of the units have at least one occupant who is at least 55 years of age. John is developing a new strip shopping center in Auburndale. There must be at least five accessible spaces regardless of the size of the parking lot.000. $6. There must be at least one accessible space for every 25 total spaces. a 15 percent decline from the previous year. c. c. 9. BEST source of listings for a new sales associate is sphere of influence. –15 percent.034. 58 houses were sold. d. He wants to have his spouse’s name on the deed in addition to his own. Last year. when the apartments are limited to female tenants. c. d. counteroffer the original contract and initial the changes. b. but she won’t be present to sign the contract. Larry is making an offer for a new home. One a. d. numbers. c. 7. when the property owner posts a surety bond guaranteeing that the practice will be uniformly applied. A contractor who disturbs paint in a 40-year-old house a. b. biweekly mortgage. d. Harold should not appraise property if he is involved in the sale.000. decision making. c. A transaction broker has the duty of loyalty. d. When you answer the phone and speak with a prospective buyer. amortized mortgage with 26 payments resulting in a faster loan payoff than the traditional 30-year mortgage is called a a. Sales associate Harold has prepared an appraisal of the Smiths’ home. sell yourself. she sold her house. d. obedience. A sales associate leans back and joins his hands behind his head while talking with a prospect. Which is NOT correct about this situation? a. b. c. Sylvia had a pool put on her property last year that cost $45. b. A fixed-rate. complete disclosure. aggressive behavior. change. The appraiser valued the pool at $12. 18. c. c. semimonthly mortgage. 13. 19. 15. c. d.000. reverse annuity mortgage. your principal objective should be to a. b. must be certified and follow specific work procedures. increasing returns. c. Harold has violated Florida law. substitution. Which is NOT allowed under the CAN-SPAM Act? E-mailing sellers about marketing efforts on their homes Failure to include an opt-out method in commercial advertisements E-mailing a newsletter with no advertising Informational messages 16. The purpose of this was so that his buyers could use the appraisal to secure financing at Apopka National Bank. As long as Harold followed USPAP requirements. capped adjustable mortgage loan. d. but the appraisal cannot be used to get financing. a. sell the house over the phone. contribution. The sales associate is giving the impression of a. b. Page 3 of 16 . b. Harold’s actions are legal. b interest and attentiveness. This year. never give out the address. limited confidentiality.12. 14. a. 17. superiority. d. This demonstrates the principle of a. his appraisal was legal. d. c. make an appointment. Have at least six months’ experience in making listing presentations. Credit the seller $2.765 c. 24.000 and interest for June is $3. charge the seller $3. sale of a condominium. residential lease agreement in an apartment property. Increasing property values d. A single agent broker must give a brokerage relationship disclosure when a transaction is the a.540 interest. b. Page 4 of 16 .540. Which is NOT a requirement for a successful listing presentation? a. She estimates a closing date of June 26. $71. classified ads. d.400 for taxes and $1. $75. d. Have a CMA prepared. must ensure the house remains vacant for a minimum of 30 days after cleanup. Credit the seller $2.500. is violating the law. Not currently being farmed 25.600 for interest. b. Expenses of the sale are $3.000 for taxes and charge $1.800.000 b. Have the appropriate parties present to sign the listing. the Internet. d. which entries should she make on the statement? a. $79. The brokerage fee is $18. b.000 for taxes and.400 for taxes and charge the seller $700 for interest. c.450. Sales associate Jones is preparing a seller’s net statement for the Novaks. c. sale of a ten-unit apartment building.515 22. High turnover c. sale of a restaurant and associated real property. b. signs in neighborhoods. $98. c. Low price range b. If she rounds to the nearest $100.965 d. Be on time. 21. The mortgage payoff is $162. What are the seller’s proceeds from the sale? a. c. to be safe. referrals. d.b. Sales associates find MOST of their for-sale-by-owner (FSBO) contacts from a. Charge the seller $2. must have taken a 45-hour course in radon gas prevention. 20. Taxes are estimated at $4. d. Which characteristic of a neighborhood is LEAST likely to make it a good farm area? a. John’s home sells for $260.500.235. c. Charge the seller $2. 23. Prorations for taxes and interest are $4.800 for interest. you would NOT ordinarily discuss the a. d. are unregulated. a redesigned three-page Good Faith Estimate. Reserves for replacements 30. Variable b. 31. 30 28. c. how many listings must Brooke sell in order to achieve that portion of her goals? a. The pricing pyramid is a visual graphic used in the pricing process showing that a. there will be least activity if the property is priced from homes that have been sold. 24 d. c. 29. Page 5 of 16 . the deletion of the requirement that lenders give borrowers the special information booklet. b. b. complete a 120-hour course.26. are licensed by the Florida Department of Insurance. and pass a state examination. Which is NOT one of the three types of operating expenses of an income property? a. are rarely used in real estate transactions d. She plans that 60 percent of the income will come from listings sold and 40 percent from sales made. number of homes currently listed in the neighborhood. d. Brooke wants to earn at least $90. Florida home inspectors a. pricing pyramid. c. pertinent parts of the CMA. the requirement that the HUD-1 Settlement Statement be given to the borrower at least seven days before closing. b. 18 b.000. Debt service d. there will be more activity if the property is priced from homes that are now listed. When you explain the pricing process during a listing presentation. d. A principal change to the Real Estate Settlement Procedures Act (RESPA) in 2010 was a.000 next year. If the average commission from listings sold is $3. 27. allowing kickbacks from title insurance companies to brokers. b. requirements of the Fair Housing Act. must have a high school diploma. Fixed c. pricing a home properly does not compensate for its condition. there will be more activity if the property is priced from homes that have been sold. 21 c. c. $39. loan originators post a bond in the amount of $75. c. manager’s list. Exclusive agency listings a. b. real estate licensees have a mortgage broker license before estimated the seller’s net proceeds. c. $176. $21. Show as many houses as the buyer wants to see in a single tour. If taxes. d. 33. b.300. b. Which is recommended when showing properties to prospective buyers? a. may call a consumer on the registry six months after the consumer’s last inquiry. he should set his goal at a. 37. may not use the registry to find new prospects. $92. and fees are about 35 percent of his total earnings. contraction. b. recovery. agent list. A salesperson wishes to take home $60. a telemarketer a. are less desirable for the broker than open listings. may be entered into the MLS. may not be entered into the multiple listing service (MLS). b.500. 36. The Florida Office of Financial Regulation requires that a.000. d. Do not show unsightly areas close to the property at any time during the tour. recession. c. loan originators have a criminal background check made annually at renewal time. dues. c. show list. must register as a fax broadcaster with both the state and federal governments. 38.000.32.000 annually. may call a consumer on the registry 19 months after the consumer’s last purchase. 35. Set appointments with the seller using a range of time rather than a specific time. b. d. b. c. c. should never exclude specific buyers. Apartments that are currently available for rent and in excellent condition will be part of a(n) a. appraisers take a mortgage broker course before making valuations for a federally-related transaction. even if it has negative features. d. model apartment list. d. d. c. Don’t discuss the property you are about to show. d. 34. advertising.000 before accepting a loan application. Two successive year-to-year quarterly increase of the gross domestic product are interpreted as a a. Under do-not-call registry rules. Page 6 of 16 . peak. if a broker is not used to sell the property. d. minus $10. b.000 adjustment to the subject. Florida law does NOT require brokers to a. minus $16. An appraiser estimates that the better physical condition of the subject property requires an adjustment of $6.000 adjustment to the subject. give sellers brokerage relationship notices at or before the time of taking listings. A comparable property has four bedrooms but is in worse physical condition than the subject. substantial good faith deposit and a bank preapproval letter b. Page 7 of 16 . All other things being equal.000.000 and makes a a. b. c. b. c. c.000 adjustment to the comparable. the resulting net adjustment for these property characteristics will be a. probably the MOST convincing evidence that will help a seller decide that the buyer is ready. plus $4. b. give sellers copies of written listing agreements within 24 hours. d.39. d.000. c. plus $10. because of the Civil Rights Act of 1866. c.000 adjustment to the comparable. bank preapproval letter and a good listing agent. and able is a a. 40.000 adjustment to the subject. minus $4. minus $6. the subject property has only three. 41. plus $6.000 adjustment to the comparable.000 adjustment.000 adjustment to the comparable. b. credit report and a promissory note for the good-faith deposit.000 adjustment and the difference in number of bedrooms requires a $10.000. If the appraiser estimates that the difference based on number of bedrooms is $10. substantial good faith deposit and the buyer’s tax return. willing. which has three bedrooms. unless the owner is age 55 or older. minus $10. 42. A private homeowner may not discriminate in the sale of his residence based on race a. d. plus $16. 43.000. d. unless the buyer agrees in writing to the discriminatory practice. have minimum commission rates on all listings. When the correct adjustments for size and physical condition have been made. c. have expiration dates on all written listings d.000 adjustment to the subject. plus $10. there should be a a.000. A comparable property has four bedrooms. plus $6. minus $6. The appraiser estimates that the difference in condition warrants a $6. 44. d. written. Do a preclosing walkthrough inspection c. Page 8 of 16 . $34. the printed provision makes the handwritten portion void. c. c.200 c. is unable to seek damages.750 b.000. or implied. the effect of the conflicting provisions will be that the a. Pay a home inspector to check d. b. 48. may not sue for specific performance. Which term is found in the Junk Fax Prevention Act? a.500.45. b. What should buyer Henry do to make sure the seller didn’t damage the home during moving? a. handwritten portion supersedes the printed provision. may cancel the contract. Have the seller execute an affidavit to that effect.000 d. What is the seller’s equity? a. contract is valid but not enforceable. 50. d. $46.800. $67. She inserted a handwritten provision that conflicted with one of the printed terms of the contract form. Concurrency b. Open listings a.500 47. Sales associate Bertha prepared an offer on the Smiths’ residence. must split the deposit with the broker. the buyer a. The Vinsons’ home sells for $430. c.450. Ask the listing sales associate b. d. Prorations for taxes and interest are $6. The brokerage fee is $21. 49. contract is void.500. $41. National registry 46. If the seller signs the offer. In case the seller defaults and the contract was written using the FAR Residential Sale and Purchase Contract. Good-faith estimate of closing costs d. may be oral. are ordinarily a broker’s best guarantee of a commission if the property sells. Expenses of the sale are $4. Established business relationship c. The mortgage payoff is $362. are enforceable only if written. require two witnesses to be valid. b. d. annual percentage rate. tell the buyer to call back when the house has been sold. b. but if John sells his own property. the sales associate should a. c. the county tax appraiser’s records. d. d. 54. Owner John wants to sell his house and would prefer to save the commission. classify them as a priority three buyer and show homes less often. d. loan constant. “What area of town do you want to live in?” c. and heating and air systems to be certain they are in working order. 55. b. d. check out the plumbing. d. protect herself from mortgage fraud.51. “How quickly must you move?” b. 58. county clerk’s office. 57. exclusive-right-of-sale listing. Price is Page 9 of 16 . 53. A percentage added to the index of an adjustable-rate mortgage that results in the calculated rate is the a. electric appliances. b. c. interest rate cap. be suspicious if it sounds too good to be true. This is an a. c. A sales associate is completing a buyer’s cost estimate. “How much cash is available for a down payment?” d. b. c. sign any loan documents that contain blanks. see the home and make a listing presentation. Before closing. Nelda should NOT get referrals for real estate and mortgage professionals. William is entitled to a commission. “How many bedrooms do you need?” 56. open listing. He lists with broker William on the basis that if the property is sold by a broker. b. c. Questions to ask when qualifying a buyer’s housing objectives do NOT include a. margin. the sales associate should NOT a. he owes no commission. a sales associate should NOT get the legal description from a. deliver the closing documents to the buyer and/or seller at least one day prior to closing. c. exclusive listing. a survey. request that the buyer have a certified check for the amount required at closing. seek an attorney if she can’t understand what she is agreeing to. unenforceable listing. To a. b. 52. send a referral because a sales associate cannot represent them in both transactions. have the broker prepare a check for the good-faith deposit held in escrow. If prospective buyers own a home that must be sold before they can buy. When listing a property. the owner’s deed. financing. the major reason listings expire is almost ALWAYS a. Except for an uncooperative owner or tenant. The identity of the borrower is concealed through the use of a straw buyer who allows the borrower to use the straw buyer’s credit history. poor condition. $1. how much would be due at closing? a. The lender on a first mortgage thinks the buyer has invested his own money in a down payment when.000 good-faith deposit. $417. tell them they should sign the offer today or they’ll probably lose the house.10 63. Which best describes a nominee loan? a. poor design. showing the property. 62. tell them. “You snooze. ask them to at least give a good-faith deposit to hold overnight to prove they are serious.200. d. dual agent. $159. b.100. then go over it. When curb appeal is not very good. d. b.90 b. $1. $835. c.300 c. overpricing. How much must be paid for the documentary stamp taxes on the deed? a.000. d. If the buyer gives a $6.300 d. the funds are borrowed. The lender estimated prepaids at $2.300 b. single agent. A property sold for $149. b. The buyer paid 20 percent down and financed the balance with a new mortgage. $33.045. you lose. c. A sales associate showed seven homes to a couple. Page 10 of 16 . transaction broker.” The sales associate should a. The property and the borrower are invented. in fact. 60. The Good Faith Estimate (GFE) shows total settlement costs of $7. Principals are responsible for the acts of their a. $39. d.” and grin. b.300 59.$150.022. This would be discussed during a listing presentation as the problem of a. and buyers will get an 80 percent loan. writing a contract. 64. b. $129.50 d. A swindler uses an investor’s personal information to submit multiple mortgage applications. buyers often ride by a for-sale-byowner house without stopping. c.240. 61. c. c. bad location. verbal negotiations.80 c. They found just the right home but tell the sales associate they want to “sleep on it. ask permission to prepare the paperwork as if they were buying. Call at your best time of day. 65. c. A FAR Residential Purchase and Sale contract contains a contingency that the appraisal must equal or exceed the purchase price of $187. The buyer will be charged from June 7 through June 30. concurrency. b. The buyer will be credited for the period from June 7 through June 30. If you are presenting an offer on a property listed with a cooperating broker. how will the prepaid interest be calculated for the closing statement? a. Make them at random hours on different days. voidable by the buyer. b. Sales associate Williams is estimating the prepayments for a new loan that will close on June 7. a well-accepted practice. good for the consumer because the property is not suddenly taken off the MLS. The listing is a. d. 69. Be consistent. Page 11 of 16 . the comprehensive plan. unconstitutional. c. d. A seller’s listing agreement with a broker contains a provision that automatically extends the agreement an additional 90 days after expiration unless canceled in writing by either party. unconscionable. d. restrictive covenants. you should NOT a. d. zoning regulations. implied. d. c. c. have your buyers write a letter to the seller telling why they want to buy the home. c. Visualize what you want to happen from each call. c. The appraisal comes back at $183. 71. d. If the first payment is due on August 1.000.d. present the offer without the listing agent being present. 70. make enough copies of the offer for all parties. b. title insurer. The contract is now a. 65. covered by the statute of frauds. b. The buyer will be charged from June 7 through August 31. get together with the listing sales associate before meeting with the seller. Which is NOT the right way to make successful prospecting calls? a. give the listing sales associate a copy of the buyers’ bank preapproval letter. bring letters of recommendation from the buyers’ friends. 66. b.000. 68. A technique recommended in the text to help sellers favor your buyers over competing buyers is to a. The buyer will be charged from June 7 through July 31. b. bring a photo album of the buyers’ family. b. c. bring the buyers with you to present the offer. 67. void. d. The principle of conformity to maintain and enhance property values in a subdivision is BEST protected by a. mimicking. matching.72. b. turn on every light in the house. Such a cloud is then normally cleared by a. d. Mortgage principal c. The federal law requiring fair consideration of consumer loan applications from women and minority races is the a. John smiles and occasionally nods. 74. The LAST item that should be covered when presenting an offer to the seller is the a. c. A title defect that is difficult to remove by ordinary means is found. Page 12 of 16 . the county in which the property is located. c. contingencies. Sales associate John is talking with a customer. d. operating expenses. township and range. go for the model home look. When the customer nods his head. d. The minimum legal description for a platted subdivision would NOT include a. Which would NOT be included in operating expenses of an income property? a. 78. highlight with color. When staging the home. 76. d. c. 73. c. c. b. d. John is using a reflecting method called a. requesting a release of lien by a contractor. Fair Housing Act. Truth in Lending Act. financing. 75. reference to section. c. mirroring. Property taxes b. reserves for expenses. b. Garbage collection d. b. requesting a satisfaction of mortgage. obtaining a quitclaim deed from all previous owners. demonstrate her personality with unique decorating touches. Maintenance 79. filing a suit to quiet title. c. b. a contingency fund. b. A noncash expense intended to account for the eventual wearing out of major components of the property is called a. the name of the subdivision. b. d. personal property to be included in the sale. the lot and block number. d. reserves for replacements. Equal Credit Opportunity Act. price. Civil Rights Act of 1968. the seller should NOT a. 77. parroting. The phase of a business cycle after a recession in which consumer confidence is shaken and consumers reduce spending is called a. 2 listings with volume of $500. Jill applies for a $200. A quality review of his listings shows he realistically has a. but the parties shook hands to cement the deal.606. Taxes for the year are $4. Friday.000.97.406.5 listings with volume of $380. b.000. $1. A loan officer tells a buyer that the mortgage interest rate will be higher because the home is located in a minority area. d. persons who are blind. the funds must be deposited no later than a. steering.64. b. failure to disclose under RESPA. b. Rudy agreed to purchase a home from Sam. It was not written. $1. redlining. It’s overpriced and he feels it has only a 70 percent chance of selling in the original listing term. Monday of the following week. persons who are recovering from substance abuse. He also has a $300.000. contraction.000.5 listings with volume of $500.80. 81. Tuesday of the following week. an acquaintance.000 house that has an 80 percent chance of sale. John has a house listed at $200.64. fluctuation. 82. Rudy paid a Page 13 of 16 . 83.273. 84. 2 listings with volume of $380.000. 1. c. c. b.000 on Third Avenue.0053682. c. 30-year fixed-rate mortgage loan at 5 percent. Determining a buyer’s housing objectives b. If the broker holds the escrow account. Estimating the value of the property to be used as collateral for the loan d.073. 1. Determining a borrower’s ability to repay a loan c. Preparing the loan closing documents. c. d. b.97. Jill’s monthly payment for PITI will be a. The Americans with Disabilities Accessibility Implementation Act does NOT protect a. The mortgage payment factor is . homosexuals. recovery. d. 85. A sales associate receives a good-faith deposit from a buyer on Wednesday. 86. blockbusting.000 and insurance is $2. Which is NOT one of the four basic loan processing procedures? a. persons who are mentally impaired. c. expansion. $1. c. This is an illegal practice called a. Thursday. b. d. d. d.400. 87. $1. sales tax must be paid on the personal property. Which is NOT a component of a full title report? a. At a. 65 c. 88. the interest deduction will be larger in the early years of the loan. If sales associate Marian farms that neighborhood and lists 40 percent of the homes. 90. A buyer is ready to purchase with a 15 percent down payment.000 earnest money deposit to the Sam. the property appraiser will refuse the make an appraisal. Option contract d. Search of the public records d. c. c. he has the right to convey the property. b. d. Physical inspection of the property c. d. before-tax cash flow. Construction contract 89. d. 43 d. a seller will NOT be asked to sign an affidavit that he owns the property. there are no liens or rights to file a lien on the property. net spendable income. he is losing money on the sale. 92. c. if possible. after-tax cash flow. every six years. the contract cannot be used for securing mortgage financing. apparent contract.$5. b. effective gross income. the seller is likely to give a better counteroffer. Lease with option b. Owners of the 650 homes in Happy Farms subdivision list their houses. b. c. d. a. which makes it a(n) a. on average. d. b. Sale of a house c. 94. 40 93. The sales associate suggests that he put down at least 20 percent. Which transaction using the FAR Residential Purchase and Sale Contract would be MOST appropriate? a. 91. If a contract for the sale of a condominium includes a list and separate valuation of the personal property. the resulting amount is called a. violation of Florida statutes. Survey b. When vacancy and collection losses are subtracted from potential gross income. how many homes can she expect to list this year? a. b. because a. the buyer can save money by not having to pay for mortgage insurance. 108 b. valid contract. Credit report Page 14 of 16 . the appraisal is likely to come in higher. closing. the contract is voidable because it includes separable personal property. c. unenforceable contract. d. Picking up the sign from the property b. credit seller $4. Using the 365-day method. architectural style of the property. c. Long-term capital gains are taxed at a maximum rate of a. A buyer is closing on the purchase of a residence.95. Which would NOT be considered a post-closing duty? a. must be included in all printed listing material. Debit buyer. Debit seller.780.44 b. b. c. Callers on real estate for sale classified advertising generally ask the licensee for the a. credit seller $196. d. Two competing brokers have lunch and agree to increase their commission rates to 7 percent at the same time. credit buyer $4.56 c. b. d. the Equal Competitive Services Act. 97.583.583. 10 percent. Page 15 of 16 . is a required disclosure by the broker but not by the seller. Picking up the lockbox from the property d. 20 percent.44 d. and the day of closing belongs to the buyer. address of the property. what is the proration? a. thus violating a. d. 100. 15 percent. 25 percent. Closing date is January 16. b. a. credit buyer $196. The fact that a property was the site of a homicide must be disclosed to the buyer before the contract is signed. area of town where the property is located. Debit buyer. The taxes for the year are estimated to be $4. c.56 98. the Fair Housing Act. Giving the commission check to the broker c. Making a walk-through inspection of the property 96. antitrust laws. the CAN-SPAM Act. c. price of the property. need not be disclosed in a real estate transaction. Debit seller. b. 99. b 64. a 96. c 7. d 30. d 71. a 56. b 16. b 25. b 13. d 100. b 57. d 82. c 59. d 83. c 89. c 73. b 79. a 45. c 31. d 63. b 17. b 68. d 75. b 76. d 98. b 93. c 48. a 49. b 3. d 9. d 88. d 50. b 14. c 23. d 99. c 19. c 61. a 44. b 55. a 29. b 40. d 62. b 70. b 34. d 32. a 8. d 35. d 58. c 67. b 78. b 24. c 18. a 85. c 36. b 95. c 65. c 54. c 77. c 10. c 15. b 26. a 92. c 51. a 39. c 80.Practice Exam 2 Answer Key 1. d 60. c 5. a 6. a 69. b 53. d 46. a 66. c Page 16 of 16 . a 97. b 74. b 91. b 4. a 37. d 21. d 42. b 12. b 86. b 94. b 38. b 43. b 28. c 27. d 11. d 41. d 87. a 22. d 2. c 72. c 84. a 81. a 52. d 47. a 33. c 90. d 20.