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Which ONE of the following statements best describes the difference between the ekctive borrowing cost calculation and the lender 19 yield calculation? 0 The effective borrowing cost calculation includes discount points while the lender's yield calculation does not. Q The lender's yield calculation includes discount points while the effective borrowing cost calculation does not. Q The effective borrowing cost calculation includes third-party closing costs while the lender's yield does not. Q The lender's yield calculation includes third-party closing costs while the effective borrowing cost calculation does not. Q The two calculations are identical. John subdivides a lO-acre lot that he owns into two 5-acre lots. He keeps one of the lots for himself and sells the other to Pete. When he transfers ownership to Pete, John also gives Pete the right to use a particular part of John's lot for a driveway easement. Pete's easement has been created by: O express reservation. O subdivider's flat. 0 express grant. 0 implication. O prescription