A．The woman failed to notify the man because she had no money for the taxi foe.
B．The woman came late because of a traffic jam.
C．The woman came late because she had no money to replace the flat tire.
D．The woman failed to notify the man because she had no change for telephone call.

A．The international insurance in her home country.
B．The student health insurance.
C．Both the international insurance and the student health insurance..
D．She will decide on no health insurance.