Refusing costs you: Not stated. Who receives you: Not stated.
Our finding, not a quotation: The document was read in full and does not address what refusing costs, who receives the data, or what a refusal covers. Recorded as a finding: it is silent on all three, not missing.
Paste this where the card should sit. It is the live verdict: if the grade changes, the card changes. It loads nothing from anywhere but this site and sets no cookie.
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