Neco 2024 Civic Education Question 46

A driver commits three offences in a single trip: (i) speeding in a (30\ \text{km/h}\) zone by (15\ \text{km/h}\), (ii) failing to wear a seat‑belt, and (iii) using a handheld mobile phone while driving. Under the traffic regulations, the fine for speeding is ₦5,000 per km/h over the limit, the fine for not wearing a seat‑belt is ₦10,000, and the fine for using a handheld phone is ₦15,000. Demerit points are 3 for speeding, 2 for the seat‑belt offence, and 3 for the phone offence. If the total fine exceeds ₦50,000, an additional 6 demerit points are added. Determine the total monetary fine and state whether the driver's licence is suspended (suspension occurs when total demerit points are 12 or more).