owns any real property which may be used as a residence. (9) Level of education The term level of education refers to the highest grade level completed in a secondary school or trade school, a professional licensure or certification, or the highest undergraduate or graduate college degree obtained. Such term does not include the completion of a traffic safety course or scholastic achievement while enrolled in a school, college, or university. (10) Occupation The term occupation means a consumer’s current lawful employment position in a career or identifiable trade category. (11) Private passenger automobile The term private passenger automobile means a 4-wheel motor vehicle, whether owned or leased to an individual or individuals, and that is of a private passenger or station wagon type, or that is a motor vehicle with a pickup body, a delivery sedan, a passenger van, a sports utility vehicle, or a panel truck or a camper type vehicle, and that— (A) is not used as a public or livery conveyance for passengers