There can be many themes in novels, some bigger than others. There are many characters quite often, protagonists, antagonists, major, minor, etc. I'm not sure what resolution is but the answer is definitely B. Multiple settings. A novel does not take place in just one area, one minute, one time period, etc. Good luck!
This is a character vs. character (or as my class called it, man vs. man) conflict between Jill and Naomi. (Though one could argue that Jill is really conflicted with herself for her dishonesty).
