The woman is late because of

M: Hello, are you Joy Rebecca?
W: Yes, I am. I am sorry I’m late for my appointment but (7)there was a car incident and traffic was backed up.
M: That’s okay. I am your new professor. How may I help you?
W: How are my registration date and time determined?
M: (8) First year students are mailed a designated date and specific time with their admission letter. For continuing students are determined by the average from the previous winter session and by the year that the student is in. Are you a first year student?
W: Yes, I am.
M: Have you received your admission letter?
W: Not yet. (9)But the Students Affair Office has called me and apologized for the delay.
M: Ok, I think you’ll get your letter soon.
W: And 1 also have some questions on how to pay for the courses. How do I pay if I don’t use credit card?
M: The other options are, (10) by going to a bank and paying the teller on your course confirmation slip, or by coming to the campus and paying inperson at the Students Services Building on the third floor.