The remaining items: H, settling for less than a reasonable person would expect from the advertising that accompanied or formed part of the application; I, settling on the basis of an application altered without the insured's notice, knowledge or consent; J, paying an insured or beneficiary without saying which coverage each payment comes under; K, unreasonably delaying investigation or payment by demanding both a formal proof of loss and later verification that duplicates it; M, failing to provide the forms needed to present a claim within fifteen calendar days of being asked, together with a reasonable explanation of how to use them; and N, having no reasonable, implemented standards ensuring that repairs by a repairer the insurer owns or requires are done in a workmanlike manner.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.