Which of the following is nie? The term 'real estate" refers to such things as land and improvements permanently attached to that land O A fee simple estate is one that can be divided, by the owner, into lesser estates and the owner can sell, lease or borrow against them as she wishes Title insurance is an insurance policy indemnifying a property owner against a loss due to powible errors in his title to the property A deficiency judgement" refers to the right of unpaid contractors, workers and material suppliers on a particular property the right to stop a transfer of title between seller and buyer of the property None of the above