I feel good about this question. Asking binary questions (option A) doesn't seem like it would reveal much about the actual workarounds users are performing. The observation and context-based approaches in B and D seem like the way to go.
I've got this! The answer is D - the employee does not need to be registered with the bank's regulatory agency in order for the bank to pay a referral fee. The other three requirements listed are all necessary.
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