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D also does not address Celia's decision not to read the policy thoroughly, when the triggering condition required the policy to be written a certain way where a reasonable person wouldn't read it, which B does satisfy
I had this same issue with other question types. I looked at approaches/explanations from other sources and realized that JY's explanations just didn't click for me on those particular question types. I highly recommend just looking up other ways to approach the specific question type.
I don't plan on taking the November test but I did manage a 12 point score increase from April to June with what I know were far less than ideal study habits. Even though sometimes it might feel impossible and that you aren't getting anywhere, you just have to trust the learning process and trust in yourself to get the increase you want.
GOT IT A MINUTE FASTER THAN TARGET RAHHHHHHHHHH (I'll get the next 5 wrong)