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Which of the following should most seriously consider a specialized horse liability policy? a . Burl, who operates a horseback - riding school b .

Which of the following should most seriously consider a specialized horse liability policy?
a. Burl, who operates a horseback-riding school
b. Donna, a 4-H member who enters her colt in a competition at the state fair
c. Nicholas, who operates the carousel at an amusement park
d. Winnie, who sometimes rides her pony in a parade
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