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15) Contracts can be classified in accordance to their nature and this classification includes a) commercial contract b) unilateral contract c) civil contract d) all of the above 16) is not a major component of the Islamic banking and finance industry. a) Islamic banking b) conventional insurance c) Islamic capital markets d) Islamic non-bank financial institutions 17) The market players in the Islamic Capital Market (ICM) include all of the following EXCEPT: a) Brokerage houses b) Islamic leasing companies c) Fund management institutions d) Islamic asset management institutions = 18) Islamic financial architecture and infrastructure provide crucial support for sustainable practices in the Islamic financial services industry, which includes: a) payment-settlement systems, legal institutions and framework b) Safety net c) Liquidity support providers d) All of the above