1. There are four (4) main objectives of Estate Planning: i. State Three (3) of these objectives ii. Explain the means of attaining the objectives above

2. Under the personal automobile policy (PAP), the youthful drive dilemma is a costly and difficult problem faced by insurers. Explain this dilemma specifying the: i. Customary ages for males and females ii. How the youthful drivers can respond in order to prevent the ever-lasting premium increases. iii. Explain the terms principal or obligor, obligee and surety in relation to bonding.