From the start, under the Lexus Covenant, Lexus's high-quality support services create an unmatched car ownership experience and some of the world's most satisfied car owners. _______________ are an important part of the customer's overall brand experience.

Of the following costs and fees involved in purchasing real property, which is considered a finance charge under the Federal Truth-in-Lending Law and must be included on the disclosure statement:

A: Document preparation fees; B: Notary and appraisal fees; C: Assumption fees; D: Fees for title insurance

Joe owns a house on which he carries a $400,000 HO-3 policy. The replacement cost of the house is $600,000. A fire loss occurs that has a replacement cost of $10,000. How much can Joe collect under his HO-3 policy?

A) $15,462 B) $10,000 C) $30,000 D) $8,333