I'm confident that the answer is template-authors. That user group has the necessary permissions to work with adaptive forms and templates in AEM Forms on OSGi.
Hmm, I'm a bit unsure about this one. The question mentions a series of configuration changes, but I'm not sure if that's the complete solution or if there are additional steps required. I'll need to review the details carefully.
Key strategy: Read the whole paragraph carefully. They're explaining a legal protection mechanism, so choose terms that minimize the health plan's legal exposure.
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