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I don't think you could count an insurance office as a basic service, no. You are pretty much restricted to the list shown in the credit language (see above).As for the campus services, if this are on the list above, and operated like centers that are open to the public and have regular hours, then yes.
The center is open to the public but have to pay a membership fee and have to have a referral. Would that still count?
Fitness centers are on the approved list in the credit language, and I think it's fairly universal that membership fees are required. So yes, that sounds fine to me. I'm not totally sure about the referral—if that makes it more of an exclusive club, I would not be so sure.
I just had this credit denied because it is on a state university campus, the reviewer says that these services like the campus police and fire departments, gym, library etc - they say these are not open to the public......I thought the intent of this credit was to create an operation where occupants have close proximity to services....and isn't a State campus open to the public......
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