Question: But calculated honestly, the penalty is a lot smaller than people claim.
The penalty for running someone over is smaller than people claim.

Answer: it is not possible to tell

Question: Minutes away from the financial district of New Kingston and the Bob Marley Museum.
It was over an hour away from the financial district.

Answer: no

Question: That is, if she paused, knew a momentary longing to draw back, and then stuck to her guns bravely "I can find some one rich enough to make it worth my while.
She was too embarrassed and didn't say anything.

Answer:
no