I have just got my ILR i.e. after 28th October 2013. I'll be applying for naturalisation in Dec 2014.
To me it seems the question 1.22 has got the AND / OR placed incorrectly creating confusion.
The last two exemption conditions (i.e. KOLL satisfied during settlement application after 28/10/2013 and exemption based on physical and mental condition) should be ORed with the entire clause.
That is it should have been like this -
( LIUK certificate
AND EITHER
( Speaking and Listening qualification
OR
Bachelor degree in English
OR
Majority speaking national
)
)
OR
Satisfied during settlement after 28/10/2013
OR
Exemption because of physical or mental condition
Any comments? I'll send this as a question to UKBA and see what they say.
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