From Chapter 5
Which of the following would not be a named insured?
Choose one answer.
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         a. The named insured for any covered auto  |  
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         b. An employee, if the covered auto is not owned by that employee or a member of his or her household  |  
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         c. Anyone liable for the conduct of an insured described above  |  
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         d. Permissive users of covered autos including the owner or anyone else from whom the covered car is hired or borrowed  |  
      
To me it looks like they are all correct. Help please...
Thanks
