They are not in the cartoon above because they wouldn't fit. i think that may be the correct answer.
It is A and D because you do not need knowledge to read nor a day planner find a quit space in your house to read and focus
He had many manners and he was always lending his money out to people for any apparent reason just to try to beat someone in a bet.
D. Independent clause.
It makes sense when its by itself therefore its independent.
