Only two of the three answers are correct, yet the stated correct answer is "all the above." If all of the answers are correct, then the answer to the HO-2, HO-3, HO-5, and HO-8 one should read: Forms HO-2, HO-3, HO-5, and HO-8 apply only for owner-occupants of one to four-family dwellings. It currently reads "one or two family dwellings".