I saw a friend's refusal letter and the Section D is 'Option to make a new application'. It reads thus: 'Please note that there is no administrative review for in-country application under the point based system. If you are not entitled to a statutory right of appeal, you may wish to submit a fresh ...

The 10 days will be inclusive of weekends and bank holidays. For instance, If you were given 28 days, that will technically be a month and you wouldn't count that as 28 working days.