const questionsRaw = [
          // SECTION I: GENERAL PROPERTY INSURANCE PRODUCT KNOWLEDGE (Need 40+ questions)
          {
            question: "The standard fire policy requires the insured to submit a proof of loss within how many days?",
            choices: [
              "30 days",
              "60 days",
              "90 days",
              "No time limit"
            ],
            answer: "60 days",
            explanation: "The standard fire policy typically requires submission of proof of loss within 60 days after the insurance company's request.",
            category: "General Property Insurance Product Knowledge"
          },
          {
            question: "Under HO-3, personal property is covered on what basis?",
            choices: [
              "Open perils",
              "Named perils",
              "Basic perils only",
              "No coverage"
            ],
            answer: "Named perils",
            explanation: "In HO-3 policies, while the dwelling has open perils coverage, personal property is covered on a named perils basis.",
            category: "General Property Insurance Product Knowledge"
          },
          {
            question: "What is the typical coverage limit for business personal property under a BOP?",
            choices: [
              "$50,000",
              "$100,000",
              "$250,000",
              "Varies by policy"
            ],
            answer: "Varies by policy",
            explanation: "Business personal property limits under a BOP vary based on the business type and coverage selected.",
            category: "General Property Insurance Product Knowledge"
          },
          {
            question: "Inland marine coverage typically includes:",
            choices: [
              "Only boats and watercraft",
              "Property in transit and valuable personal property",
              "Ocean cargo only",
              "Real estate transactions"
            ],
            answer: "Property in transit and valuable personal property",
            explanation: "Inland marine covers property in transit, instrumentalities of transportation, and certain valuable personal property.",
            category: "General Property Insurance Product Knowledge"
          },
          {
            question: "A fidelity bond covers losses due to:",
            choices: [
              "Natural disasters",
              "Employee dishonesty",
              "Liability claims",
              "Property damage"
            ],
            answer: "Employee dishonesty",
            explanation: "Fidelity bonds specifically cover losses caused by dishonest acts of employees, such as theft or embezzlement.",
            category: "General Property Insurance Product Knowledge"
          },
          // Add 35+ more property insurance questions...
          
          // SECTION IV: TEXAS STATUTES AND RULES (Need 60+ questions for 60% of exam)
          {
            question: "Under Texas regulations, a public insurance adjuster's license expires every:",
            choices: [
              "1 year",
              "2 years",
              "3 years",
              "5 years"
            ],
            answer: "2 years",
            explanation: "Texas public insurance adjuster licenses expire every two years and must be renewed with continuing education.",
            category: "Texas Statutes and Rules for Public Insurance Adjusting"
          },
          {
            question: "The Commissioner may examine a public insurance adjuster's records:",
            choices: [
              "Only with a court order",
              "Only during business hours",
              "At any reasonable time",
              "Only once per year"
            ],
            answer: "At any reasonable time",
            explanation: "The Commissioner has broad authority to examine public insurance adjuster records at reasonable times.",
            category: "Texas Statutes and Rules for Public Insurance Adjusting"
          },
          {
            question: "Marketing practices prohibited for public insurance adjusters include:",
            choices: [
              "Advertising in newspapers",
              "Misrepresentation of services",
              "Charging percentage fees",
              "Working with multiple clients"
            ],
            answer: "Misrepresentation of services",
            explanation: "Misrepresentation of services or qualifications is a prohibited marketing practice under Texas law.",
            category: "Texas Statutes and Rules for Public Insurance Adjusting"
          },
          {
            question: "A public insurance adjuster must disclose to consumers:",
            choices: [
              "Only their license number",
              "Their relationship with insurance companies",
              "Fee structure and potential conflicts of interest",
              "Previous claim results"
            ],
            answer: "Fee structure and potential conflicts of interest",
            explanation: "Texas law requires disclosure of fee structure, potential conflicts of interest, and other material information.",
            category: "Texas Statutes and Rules for Public Insurance Adjusting"
          },
          {
            question: "Consumer protection under Texas law includes the right to:",
            choices: [
              "Guaranteed claim settlements",
              "Free adjuster services",
              "Cancel contracts within specified periods",
              "Choose their insurance company"
            ],
            answer: "Cancel contracts within specified periods",
            explanation: "Texas provides consumers with cancellation rights and other protections when hiring public insurance adjusters.",
            category: "Texas Statutes and Rules for Public Insurance Adjusting"
          }
          // Add 55+ more Texas law questions...
        ];

        // Add categories to existing questions and ensure we have enough
        const categorizedQuestions = questionsRaw.map(q => ({
          ...q,
          category: q.category || "General Property Insurance Product Knowledge"
        }));