You are on a divided highway with a raised median when you see a school bus stopped

Here is the full question:
You are on a divided highway with a raised median when you see a school bus stopped on the other side of the road. Are you legally required to stop?

I believe the answer is: No, because the oncoming traffic is separated by a raised median.
A raised median would separate two different lines of traffic which aimed toward opposite direction.
When you see a bus stop, you're only required to stop to let the children get down safely if you're on the same lane with the bus.

You don’t list any options but the one that frets overspending and the consequences of that.

D. a conflict between her competing identities.