As an SIC with less than 100 hours in your aircraft type and with a PIC who does not have a check airmen rating, what is your limitation?

In this scenario, the correct limitation is that you cannot land at a special airport. This regulation is primarily in place to ensure safety, as operating at special airports often requires a higher level of proficiency and experience due to unique or challenging operational factors. Special airports may include those with limited runways, unusual approaches, or other complexities that can be difficult to navigate safely without sufficient experience in the specific aircraft type.

The significance of the other choices provides context for understanding this limitation. For example, if you were to operate any aircraft without restrictions, that would be unsafe given your lack of experience in that specific aircraft type. Similarly, being allowed to program waypoints for approaches does not impose the same level of responsibility as actually executing a landing or operating in more complex environments like special airports. Lastly, using 100% of dry landing runway available without understanding aircraft limitations or operational capabilities could lead to excessive risk, especially for someone with limited flight hours in that type. Thus, the focus on not landing at special airports is a critical safety measure.