| Learning Materials |
| Unit Standard Title: | Demonstrate knowledge and insight into the Short Term Insurance Act (No.53 of 1998) and the accompanying regulations |
| Unit Standard No: | 10194 |
| Unit Standard Credits: | 2 |
| NQF Level: | 4 |
| User Guide |
| This outcomes-based learning material was developed by Diagonal Broker Network and reviewed by Ben Tonkin with funding from INSETA in October 2003. The material is generic in nature. Its purpose is to serve as a guide for the further development and customization of company-specific, learner-specific and situation-specific learning interventions. Disclaimer: Whilst every effort has been made to ensure that the learning material is accurate, INSETA takes no responsibility for any loss or damage suffered by any person as a result of the reliance upon the information contained herein. |
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Index
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2. Unit Standard
| 1.Title: Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and the accompanying regulations. |
2. UNIT STANDARD NUMBER: 10194
3. LEVEL ON NQF: 4
4. CREDITS: 3
5. FIELD: Business, Commerce and Management Studies
Sub Field: Finance, Economics and Accounting
6. ISSUE DATE:
7. REVIEW DATE:
8. PURPOSE:
This unit standard is intended to empower intermediaries, learners who work in short term insurance and learners who work in call centres with sufficient general knowledge of the Short Term Insurance Act to allow them to show insight into why and how short term insurance is regulated by the Act.
The qualifying learner is capable of:
· Explaining the purpose of the Short Term Insurance Act and concepts related to the Act.
· Explaining the basic requirements of the Short Term Insurance Act that apply to insurers.
· Indicating how the Short Term Insurance Act controls intermediaries.
· Describing how the Short Term Insurance Act regulates short term insurance policies.
9. LEARNING ASSUMED TO BE
There is open access to this unit standard. Learners should be competent in Communication, Mathematical Literacy and Financial Literacy at Level 3.
Specific outcomes and assessment criteria:
Specific Outcome 1:
Explain the purpose of the Short Term Insurance Act (53 of 1998.)
Assessment Criteria
1.1 The reason for the Short Term Insurance Act is explained in terms of the need for legislation in insurance.
1.2 The parties governed by the Short Term Insurance Act are named and indication is given of the role of the Registrar in administering the Short Term Insurance Act.
1.3 The consequences of non-compliance with the Short Term Insurance Act for a short term insurance organisation are named, and an indication is given of the recourse that a client has to the Registrar in cases of non-compliance.
1.4 The concept of short term insurance is explained with reference to the different classes of business defined in the Short Term Insurance Act.
1.5 Terminology defined in section 1 of the Short Term Insurance Act is explained in own words.
Specific Outcome 2:
Explain the basic requirements of the Short Term Insurance Act as they apply to insurers.
Assessment Criteria
2.1 The requirements for registration as an insurer are listed as prescribed in the Short Term Insurance Act.
2.2 Returns that an insurer is required to submit to the Registrar are identified and an indication is given of the consequences of non-compliance.
2.3 The concept of solvency margin is explained in terms of approved assets over liabilities.
2.4 The requirements imposed on Lloyd’s are compared to those that apply to any other insurance organisation in terms of registration and operations.
Specific Outcome 3:
Explain how the Short Term Insurance Act controls intermediaries.
Assessment Criteria
3.1 The way in which commission and certain fees are regulated is explained with reference to Short Term Insurance Act.
3.2 Limitations on business practices in terms of placing business with insurers are described with reference to case studies and Short Term Insurance Act.
3.3 The concept of a Lloyd’s binder is explained and the criterion used by Lloyd’s to enter into an underwriting relationship with an intermediary is described with reference to specialist classes of business.
3.4 The way in which Lloyd’s binders are regulated is explained with reference to case studies and the Short Term Insurance Act.
3.5 The rights and responsibilities of an intermediary in accounting to the insurer are explained with reference to the collection and payment of premiums.
Specific Outcome 4:
Explain how the Short Term Insurance Act regulates Short Term insurance policies and protects individual policyholders.
Assessment Criteria
4.1 The standard duration of policy is explained with reference to Short Term Insurance Act.
4.2 Rules governing policies issued to minors are explained with reference to Short Term Insurance Act.
4.3 Reasons why a personal lines policy must be issued within a prescribed period are explained with reference to the rights and responsibilities of both parties to the contract.
4.4 The way in which the Short Term Insurance Act protects individual policyholders is explained with reference to Section 55 of the Act and the Policyholder Protection rules.
11. ACCREDITATION AND MODERATION:
This unit standard will be internally assessed by the provider and moderated by a moderator registered by INSQA or a relevant accredited ETQA. The mechanisms and requirements for moderation are contained in the document obtainable from INSQA,
INSQA framework for assessment and moderation.
12. RANGE STATEMENT:
The typical scope of this unit standard is the Short Term Insurance Act (53 of 1998) and the accompanying regulations.
13. NOTES:
CRITICAL CROSS FIELD and DEVELOPMENTAL OUTCOMES:
This unit standard supports in particular, the following critical cross-field outcomes at unit standard level:
- The learner is able to collect, organise and apply information relating to the Short Term Insurance Act.
- The learner is able to communicate effectively in explaining the concepts and terminology used in the Short Term Insurance Act.
- The learner is able to demonstrate an understanding of the world as a set of related systems by recognising the consequences of non-compliance.
3. Assumptions
Target audience and their employment status:
This unit standard is intend to empower intermediaries, learners who work in short term insurance and learners who work in call centres with sufficient general knowledge of the Short Term Insurance Act to allow them to show insight into why and how short term insurance is regulated by the Act.
Resources to which learners must have access:
Learners must have access to a copy of the:
· Short Term Insurance Act, No 53 of 1998 (Annexure A)
(Note: This document does not contain a full version of the Act, but only parts of it, necessary for this specific unit standard.)
A full version of the Act and Regulations under the Act, can be obtained electronically from www.acts.co.za
· Regulations under the Act (Annexure B)
· Policyholder Protection Rules (Annexure C)
(Note: For those learners, who are unable to obtain their own source material, annexures of all the above are attached.)
How will learning be conducted:
· It is envisaged that learning will take place on a individual basis, but
· can be conducted in the classroom under the guidance of a facilitator, who has the subject matter expertise of this particular subject.
· The learning & assessment will take the learner 30 hours or approximately 6 weeks at 5 hours per week.
· Internal or external facilitators can facilitate the learning, depending on the needs of the organisation.
· Facilitators need a general working knowledge and understanding of the Short term insurance Act (No 53 of 1998) and accompanying regulations.
· Facilitator need not necessarily have a formal legal qualification but should have a thorough grasp of the Short term Insurance Act (No 53 of 1998) and it’s implications for the learners in their daily functions within the organisation.
· Other skills include an overall ability of the facilitator to comprehend and interpret legislation, and to be able to apply the requirements of the Act to daily activities in the working environment.
· Internal role players, SME’s, Coaches / Mentors, Managers, may be identified by the organisation to be involved in the facilitation process, in order to ensure transfer of knowledge and skills.
· The facilitator will guide the learners through the learning material and assist learners with compiling their Portfolio of Evidence.
· Facilitator and learner will formulate a learning action plan at the outset of the learning process.
· Facilitator and learner will meet on a regular basis throughout the learning process to discuss learning progress and to address any problems the learner may have.
· These meeting times and deadlines will be reflected in the learning action plan and reviewed at each meeting.
· Learner will bring to these meetings evidence of completion of the activities in the Learner Workbook.
· The evidence will be discussed and facilitator will give learner feedback on the evidence provided.
· At these contact sessions, the learner will be asked to comment on some of the evidence and the written and oral feedback given by the facilitator will form part of the learner’s formative assessment.
How will assessments be conducted:
· Learners will be expected to compile a Portfolio of Evidence (POE). The POE will include all formative assessment (all activities, i.e. exercises, case studies, research, self assessment tests etc. contained in the Learner Workbook.)
· The facilitator will mark and provide feedback on all formative assessment.
· It is the learner’s responsibility to include this evidence and the relevant feedback in his / her POE.
· A facilitator/registered assessor will conduct the summative assessment at the end of the learning programme. This will be added to the POE.
· The registered assessor will then assess the completed POE and grant the learner the necessary credits, for this particular unit standard, which will go towards the National Certificate in Insurance Administration NQF Level 4, based on all the evidence provided in the POE.
The qualifying learner is capable of:
· Explaining the purpose of the Short Term Insurance Act and concepts related to the Act.
· Explaining the basic requirements of the Short Term Insurance Act that apply to insurers.
· Indicating how the Short Term Insurance Act controls intermediaries.
· Describing how the Short Term Insurance Act regulates short term insurance policies.
4. Learning Map
| Unit Standard Title: Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and the accompanying regulations. Level: 4 Credits: 3 |
| Assessment | ← Formative/Continuous Assessment → | ← Summative Assessment→ | ||||||||
| Learning activities for 30 hours of notional learning |
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| Portfolio of Evidence | ← Compilation of Portfolio of Evidence → (Learners Workbook forms part of Portfolio of Evidence) | |||||||||
| Complementary workplace practices | Coaching and Mentoring: Performance Management | |||||||||
5. Assessment
5.1 Assessment Summary
According to the INSQA Framework for Assessment and Moderation, Portfolios of Evidence are required to contain both formative (completed during the facilitation of the unit standard) and summative assessment (completed after the presentation or in a more formal way).
| Tasks and Activities | Independent Research | Summative Assessment |
| Mainly formative assessment validated by training facilitator · Classroom-generated (individual and group exercises) · Workplace (could be used for Recognition of Prior Learning) | Formative and summative assessment validated by the training facilitator and learner, · Interviews · Surveys · Research Assignments · Self test | Pen and Paper type test (30-60 min max for a 3-credit standard) · Integrate skills, knowledge, values and attitudes (SKVA) · Oral assessment |
For the unit standard described in this document, the following activities and percentages apply:
| | Tasks and Activities | Independent Research | Summative Assessment |
| Activities | · Topic Web of theory obtained via classroom learning · Completion of a Checklist · Group exercise | · · Research · Internet | |
| Assessment Tools | · Group Exercise · Self-test | · Research Project | · Oral Assessment · Written knowledge Test |
| Distribution of Notional Hours of Learning | Total of 11 hours | Total of 16 hours | Total of 3 hours |
| Ratio | Tasks and activities compromise 35% of the total assessment. | Independent research compromises 55 % of the total assessment. | Summative assessment compromises 10% of the total assessment. |
5.2 Assessment Guidelines
Formative Assessment:
· Learner Workbook
· Self-assessment tests after each specific outcome
· Portfolio of Evidence
Summative Assessment:
· Knowledge written test
· Oral
5.2.3 SPECIFIC OUTCOMES AND ASSESSMENT CRITERIA For Unit Standard 10361: Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and the accompanying regulations. | Workbook | Summative Test | Practical |
| Specific Outcome 1: Explain the purpose of the Short Term Insurance Act (53 of 1998.) | |||
| Assessment Criteria: | |||
| 1.1 The reason for the Short Term Insurance Act is explained in terms of the need for legislation in insurance. | Question 1 | Question 1 | |
| 1.2 Terminology defined in section 1 of the Short Term Insurance Act is explained in own words. | Question 4 | Question 9 | |
| 1.3 The concept of short term insurance is explained with reference to the different classes of business defined in the Short Term Insurance Act. | Question 5 Question 6 Question 7 Question 8 | Question 2 | Group Work |
| 1.4 The parties governed by the Short Term Insurance Act are named and indication is given of the role of the Registrar in administering the Short Term Insurance Act. | Question 9 Question 10 | Question 3 Question 4 | |
| 1.5 The consequences of non-compliance with the Short Term Insurance Act for a short term insurance organisation are named, and an indication is given of the recourse that a client has to the Registrar in cases of non-compliance. | Question 11 Question 12 | Question 5 | |
5.2.3 SPECIFIC OUTCOMES AND ASSESSMENT CRITERIA For Unit Standard 10361: Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and the accompanying regulations. | Workbook | Summative Test | Practical |
| Specific Outcome 2: Explain the basic requirements of the Short Term Insurance Act as they apply to insurers. | |||
| Assessment Criteria: | |||
| 2.1 The requirements for registration as an insurer are listed as prescribed in the Short Term Insurance Act. | Question 13 | | |
| 2.2 Returns that an insurer is required to submit to the Registrar are identified and an indication is given of the consequences of non-compliance. | Question 14 Question 15 | Question 6 | |
| 2.3 The concept of solvency margin is explained in terms of approved assets over liabilities. | Question 16 Question 17 | | |
| 2.4 The requirements imposed on Lloyd’s are compared to those that apply to any other insurance organisation in terms of registration and operations. | Question 18 | | |
| 5.2.3 SPECIFIC OUTCOMES AND ASSESSMENT CRITERIA For Unit Standard 10361: Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and the accompanying regulations. | Workbook | Summative Test | Practical |
| Specific Outcome 3: Explain how the Short Term Insurance Act controls intermediaries. | |||
| Assessment Criteria: | |||
| 3.1 The way in which commission and certain fees are regulated is explained with reference to Short Term Insurance Act. | Question 19 Question 20 | Question 7 Question 8 | |
| 3.2 Limitations on business practices in terms of placing business with insurers are described with reference to case studies and Short Term Insurance Act. | Question 21 | | Group Work |
| 3.3 The concept of a Lloyd’s binder is explained and the criterion used by Lloyd’s to enter into an underwriting relationship with an intermediary is described with reference to specialist classes of business. | Question 22 Question 23 | | Group Work |
| 3.4 The way in which Lloyd’s binders are regulated is explained with reference to case studies and the Short Term Insurance Act. | Question 24 | | Group Work |
| 3.5 The rights and responsibilities of an intermediary in accounting to the insurer are explained with reference to the collection and payment of premiums. | Question 25 | | |
| 5.2.3. SPECIFIC OUTCOMES AND ASSESSMENT CRITERIA For Unit Standard 10361: Demonstrate knowledge and insight into the Short Term Insurance Act (No 53 of 1998) and the accompanying regulations. | Workbook | Summative Test | Practical |
| Specific Outcome 4: Explain how the Short Term Insurance Act regulates short term insurance policies and protects individual policyholders. | |||
Assessment Criteria: | | | |
4.1 The standard duration of policy is explained with reference to Short Term Insurance Act. | Question 26 | | |
| 4.2 Rules governing policies issued to minors are explained with reference to Short Term Insurance Act. | Question 27 | | |
| 4.3 Reasons why a personal lines policy must be issued within a prescribed period are explained with reference to the rights and responsibilities of both parties to the contract. | Question 28 | | |
| 4.4 The way in which the Short Term Insurance Act protects individual policyholders is explained with reference to Section 55 of the Act and the Policyholder Protection rules. | Question 29 | | Group Work |
5.3 Rubric:
This is to be used to assess the Portfolio of Evidence.
Learner name: ______________________________
Unit Standard: ______________________________
| Assessment Criteria | Learner is Competent | Learner is not yet competent |
| 1. Explain the purpose of the Short Term Insurance Act (53 of 1998.) | ||
| Specific Outcome 1.1 The reason for the Short Term Insurance Act is explained in terms of the need for legislation in insurance. | The reason for the Short Term Insurance Act is explained in terms of the need for legislation in short term insurance. | The reason for the Short Term Insurance Act is not explained in terms of the need for legislation in short term insurance. |
| Specific Outcome 1.2 Terminology defined in section 1 of the Short Term Insurance Act is explained in own words. | Learner is able to explain terminology defined in section 1 of the Short Term Insurance Act in his/ her own words. | Learner is not able to explain terminology defined in section 1 of the Short Term Insurance Act in his/ her own words. |
| Specific Outcome 1.3 The concept of short term insurance is explained with reference to the different classes of business defined in the Short Term Insurance Act. | The concept of short term insurance is explained. Learner is able to refer to the different classes of business defined in the Short Term Insurance Act. | Learner does not display insight into the concept of short term insurance. Learner is not able to refer to the different classes of business defined in the Short Term Insurance Act. |
| Specific Outcome 1.4 The parties governed by the Short Term Insurance Act are named and indication is given of the role of the Registrar in administering the Short Term Insurance Act. | The parties governed by the Short Term Insurance Act are named. An indication is given of the role of the Registrar in administering the Short Term Insurance Act. | The parties governed by the Short Term Insurance Act cannot be named correctly. An indication of the role of the Registrar in administering the Short Term Insurance Act, cannot be given. |
| Specific Outcome 1.5 The consequences of non-compliance with the Short Term Insurance Act for a short term insurance organisation are named, and an indication is given of the recourse that a client has to the Registrar in cases of non-compliance. | The consequences of non-compliance with the Short Term Insurance Act for a short term insurance organisation are named. An indication is given of the recourse that a client has to the Registrar in cases of non-compliance. | The learner cannot name the consequences of non-compliance with the Short Term Insurance Act. The learner does not show insight into the recourse that a client has to the Registrar in cases of non-compliance. |
| 2. Explain the basic requirements of the Short Term Insurance Act as they apply to insurers. | ||
| Specific Outcome 2.1 The requirements for registration as an insurer are listed as prescribed in the Short Term Insurance Act. | The learner is able to list the requirements for registration as an insurer, as prescribed in the Short Term Insurance Act. | The learner is not able to list the requirements for registration as an insurer, as prescribed in the Short Term Insurance Act. |
| Specific Outcome 2.2 Returns that an insurer is required to submit to the Registrar are identified and an indication is given of the consequences of non-compliance. | Learner is able to identify the returns that an insurer is required to submit to the Registrar. An indication is given of the consequences of non-compliance. | Learner is not able to identify the returns that an insurer is required to submit to the Registrar. Learner is not able to give an indication of the consequences of non-compliance. |
| Specific Outcome 2.3 The concept of solvency margin is explained in terms of approved assets over liabilities. | The learner is able to explain the concept of solvency margin in terms of approved assets over liabilities. | The learner is not able to explain the concept of solvency margin, in terms of approved assets over liabilities. |
| Specific Outcome 2.4 The requirements imposed on Lloyd’s are compared to those that apply to any other insurance organisation in terms of registration and operations. | The learner is able to compare the requirements imposed on Lloyd’s, to those that apply to any other insurance organisation in terms of registration and operations. | The learner is not able to compare the requirements imposed on Lloyd’s, to those that apply to any other insurance organisation in terms of registration and operations. |
| 3. Explain how the Short Term Insurance Act controls intermediaries. | ||
| Specific Outcome 3.1 The way in which commission and certain fees are regulated is explained with reference to Short Term Insurance Act. | The way in which commission and certain fees are regulated is explained with reference to Short Term Insurance Act. | The learner is not able to explain the way in which commission and certain fees are regulated, with reference to Short Term Insurance Act. |
| Specific Outcome 3.2 Limitations on business practices in terms of placing business with insurers are described with reference to case studies and Short Term Insurance Act. | Learner is able to describe limitations on business practices in terms of placing business with insurers with reference to the Short Term Insurance Act. | Learner is not able to describe limitations on business practices in terms of placing business with insurers with reference to the Short Term Insurance Act. |
| Specific Outcome 3.3 The concept of a Lloyd’s binder is explained and the criterion used by Lloyd’s to enter into an underwriting relationship with an intermediary is described with reference to specialist classes of business. | The learner is able to explain the concept of a Lloyd’s binder. The criterion used by Lloyd’s to enter into an underwriting relationship with an intermediary is described with reference to specialist classes of business. | The learner is not able to explain the concept of a Lloyd’s binder. The learner cannot describe the criterion used by Lloyd’s to enter into an underwriting relationship with an intermediary and is not able to refer to the specialist classes of business. |
| Specific Outcome 3.4 The way in which Lloyd’s binders are regulated is explained with reference to case studies and the Short Term Insurance Act. | The way in which Lloyd’s binders are regulated is explained with reference to the Short Term Insurance Act. | The way in which Lloyd’s binders are regulated cannot be explained with reference to the Short Term Insurance Act. |
| Specific Outcome 3.5 The rights and responsibilities of an intermediary in accounting to the insurer are explained with reference to the collection and payment of premiums. | The rights and responsibilities of an intermediary in accounting to the insurer are explained with reference to the collection and payment of premiums. | The rights and responsibilities of an intermediary in accounting to the insurer cannot be explained, with reference to the collection and payment of premiums. |
| 4. Explain how the Short Term Insurance Act regulates short term insurance policies and protects individual policyholders | ||
| Specific Outcome 4.1 The standard duration of policy is explained with reference to Short Term Insurance Act. | The standard duration of a policy can be explained with reference to the Short Term Insurance Act. | The standard duration of policy cannot be explained with reference to the Short Term Insurance Act. |
| Specific Outcome 4.2 Rules governing policies issued to minors are explained with reference to Short Term Insurance Act. | The learner, with reference to the Short Term Insurance Act, can explain rules governing policies issued to minors. | The learner, with reference to the Short Term Insurance Act, cannot explain rules governing policies issued to minors. |
| Specific Outcome 4.3 Reasons why a personal lines policy must be issued within a prescribed period are explained with reference to the rights and responsibilities of both parties to the contract. | Learner is not able to explain the reasons why a personal lines policy must be issued within a prescribed period, with reference to the rights and responsibilities of both parties to the contract. | Learner is not able to explain the reasons why a personal lines policy must be issued within a prescribed period, with reference to the rights and responsibilities of both parties to the contract. |
| Specific Outcome 4.4 The way in which the Short Term Insurance Act protects individual policyholders is explained with reference to Section 55 of the Act and the Policyholder Protection rules. | The learner is able to explain the way in which the Short Term Insurance Act protects individual policyholders, with reference to Section 55 of the Act and the Policyholder Protection rules. | The learner is not able to explain the way in which the Short Term Insurance Act protects individual policyholders, with reference to Section 55 of the Act and the Policyholder Protection rules. |
6. Learner Guide
See separate Document
7. Learner Workbook
See Separate Document
8. Facilitator Guide
See Separate Document
9. Model Questions and Answers (Learner Workbook)
See Separate Document
10. Portfolio of Evidence guidelines
· INSQA requires portfolio assessment for all unit standards. All evidence produced by the learner should be compiled and kept by the learner in a Portfolio of Evidence, as evidence of achievement. (Refer to the INSQA Framework for Assessment and Moderation, dated
· The facilitator should indicate upfront what evidence should be included in the portfolio.
· A completed Portfolio of Evidence will consists of the following:
§ completed Learner Workbook
§ completed Formative Assessment
§ completed Summative Assessment
· It is important that the evidence in the POE meets the requirements of sufficiency and currency.
· This portfolio will be assessed internally by the training facilitator, and moderated by an accredited training provider.
· The learner may subsequently be required to submit the evidence to an external moderation by INSQA, at qualification level.
11. Critical Cross-Field Outcomes Matrix
Demonstrate knowledge and insight into the Short Term-Insurance Act (NO 53 of 1998) and the accompanying regulations.
| Activity | Solve problems / make decisions | Collect, organise and apply information | Communicate | Teamwork | Information |
| 1 | ☺ | | | | ☺ |
| 2 | ☺ | | | | ☺ |
| 3 | ☺ | ☺ | | | ☺ |
| 4 | | ☺ | | | ☺ |
| 5 | | ☺ | | | ☺ |
| 6 | | ☺ | | | ☺ |
| 7 | | ☺ | | | ☺ |
| 8 | ☺ | ☺ | ☺ | | ☺ |
| 9 | | ☺ | | | ☺ |
| 10 | | ☺ | ☺ | | ☺ |
| 11 | ☺ | ☺ | | | ☺ |
| 12 | | ☺ | | | ☺ |
| 13 | | ☺ | | | ☺ |
| 14 | | ☺ | | | ☺ |
| 15 | ☺ | ☺ | | | ☺ |
| 16 | | ☺ | | | ☺ |
| 17 | ☺ | | | | |
| 18 | | ☺ | | | ☺ |
| 19 | | ☺ | | | ☺ |
| 20 | | ☺ | | | ☺ |
| 21 | ☺ | ☺ | ☺ | ☺ | ☺ |
| 22 | | ☺ | | | ☺ |
| 23 | ☺ | ☺ | ☺ | ☺ | ☺ |
| 24 | | ☺ | ☺ | ☺ | ☺ |
| Activity | Solve problems / make decisions | Collect, organise and apply information | Communicate | Teamwork | Information |
| 25 | | ☺ | ☺ | | ☺ |
| 26 | | ☺ | | | ☺ |
| 27 | | ☺ | | | ☺ |
| 28 | ☺ | ☺ | | ☺ | ☺ |
| 29 | ☺ | ☺ | ☺ | | ☺ |
12. Additional Resources
· www.deneysreitz.co.za
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