5. When buying a house or any property, you may be required to make a payment when the deal is being finalized. This payment is called __________.

A) a deposit

B) credit fees

C) waivers

D) closing costs

6. Assume you invite friends over to your house to celebrate a job promotion. A freak accident on the deck caused a few of them to be hurt. You would be fortunate if you have ________ coverage on your home owner's insurance.

A) personal articles

B) loss of use

C) personal liability

D) none of the above