In this task, you will be shown a prompt from a judicial decision and multiple holding statements derived from citations following text in a legal decision.  Holdings represent the governing legal rule when the law is applied to a particular set of facts. There are five answer choices for each citing text. The correct answer is the holding statement that corresponds to the citing text. You should write an incorrect option. Even though there exist multiple wrong answers, we only need a single wrong answer. There is a <HOLDING> token in the position of the citing text prompt where the holding statement was extracted.

Ex Input:
558, 563, 564 S.E.2d 94, 96 (2002). DISCUSSION Moody argues the circuit court erred in granting Dairy-land’s motion for summary judgment, asserting Dairyland did not make a meaningful offer of UIM coverage because it failed to offer coverage in amounts less than the statutory minimum limits. We disagree. “The cardinal rule of statutory construction is to ascertain and effectuate the intent of the legislature.” Hawkins v. Bruno Yacht Sales, 353 S.C. 31, 40, 577 S.E.2d 202, 207 (2003).. Moreover, “[w]here the terms of the statute are clear, [this Court] must apply those terms according to their literal meaning.” Brown v. South Carolina Dep’t of Health & Envtl. Control, 348 S.C. 507, 515, 560 S.E.2d 410, 414 (2002); see also Rowe v. Hyatt, 321 S.C. 366, 369, 468 S.E.2d 649, 650 (1996) (<HOLDING>). In relevant part, section 38-73-470 provides 
 Holding statements: (A) holding that the clear and unambiguous words of an insurance contract should be given their plain and ordinary meaning (B) holding that we must give the words in statutes their plain and ordinary meaning (C) holding when interpreting a statute words must be given their plain and ordinary meaning without resorting to subtle or forced construction to limit or expand the statutes operation (D) holding that where the language of a statute is clear and without ambiguity the plain meaning is to be accepted without resorting to the rules of interpretation (E) holding that statutory words must be given their ordinary contemporary meaning

Ex Output:
holding that the clear and unambiguous words of an insurance contract should be given their plain and ordinary meaning


Ex Input:
types of property which do not pass to the trustee under Section 70 of the Act. See, Comment, The Growth of Procedural Due Process into a New Substance: An Expanding Protection for Personal Liberty and a “Specialized Type of Property” ... in our Economic System, 66 N.W.U.L.Rev. 502, 525-532 (1971); Sniadach v. Family Finance Corp., supra, 395 U.S. at 340, 89 S.Ct. 1820; Lines v. Frederick, supra, 400 U.S. at 19, 91 S.Ct. 113. The Supreme Court has recently held, in what is a logical corollary to the notion of specialized property, that at times a trustee has too tenuous a relationship to a given claim to have standing to assert that claim on behalf of the bankrupt estate. See Caplin v. Marine Midland Grace Co. of New York, 406 U.S. 416, 92 S.Ct. 1678, 32 L.Ed.2d 195 (1972) (<HOLDING>). In view of these evolving federal policies of 
 Holding statements: (A) holding that the indenture trustee has a separate contractual claim for its fees and expenses (B) holding that the relevant indenture agreement allowed the trustee to bring tort and fraud claims on behalf of the bondholders (C) holding that a chapter 7 trustee was the only person with authority to bring  a cause of action after the appointment of a trustee (D) holding that a trustee does not have standing to sue a thirdparty on behalf of debenture holders (E) holding that a trustee in a proceeding under chapter x of the bankruptcy act did not have standing to assert on behalf of the holders of debentures issued by the bankrupt in reorganization various negligence claims against an indenture trustee

Ex Output:
holding that the indenture trustee has a separate contractual claim for its fees and expenses


Ex Input:
This substance abuse, the report continued, “seems to have had an exacerbating effect on the grandiose and persecutory beliefs that Doug began to develop during the mid-1970s.” Thus, Mickey is simply incorrect that there was undiscovered evidence of pre-drug abuse psychiatric disturbance for counsel to investigate. The same is true of the new social history with respect to the purported abuse. It is black-letter law that counsel cannot be found deficient for believing what his client plausibly tells him: “when a defendant has given counsel reason to believe that pursuing certain investigations would be fruitless or harmful, counsel’s failure to pursue those investigations may not later be challenged as unreasonable.” Strickland, 466 U.S. at 691, 104 S.Ct. 2052; Cox, 588 F.3d at 1048-49 (<HOLDING>); Raley v. Ylst, 470 F.3d 792, 803 (9th 
 Holding statements: (A) holding that defendants failure to obtain counsel despite opportunities to do so implied a waiver of counsel (B) recognizing that a criminal defendants right to counsel is the right to the effective assistance of counsel (C) holding that an ambiguous mention of an attorney is not a request for counsel (D) holding that trial counsel will not be convicted of ineffective assistance of counsel for failure to engage in futile acts (E) holding counsel not responsible for defendants failure to mention abuse

Ex Output:

holding that defendants failure to obtain counsel despite opportunities to do so implied a waiver of counsel