The three correct answers regarding how different types of irony create narrative effects in the story are:
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Situational irony creates suspense. - Gerard's expectation that his code would steal small amounts from others is subverted when it actually transfers his and his partner's money to thousands of accounts, creating suspense as we anticipate the fallout.
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Situational irony creates tension. - The unexpected outcome of the bank heist leads to tension as Gerard realizes the gravity of the mistake and the potential reaction of others involved.
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Dramatic irony creates tension. - The reader understands the gravity of the situation and Gerard's failure, heightening the tension as we see him remain unaware of the full consequences.
These forms of irony contribute to the overall feeling of tension and suspense in the narrative.