Can anyone interpret column 4 as to be applied to a "garden style"(non-high rise) apartment complex, and allow a 120-volt, 20-amp GFCI protected UF cable to be buried @ 12"?
Apartments ARE residences, and no mention is made regarding single or multi-family residences, except in the left column pertaining to driveways and parking areas.
But I think the intent of column 4 is directed at single homes and not multi-family dwellings.

Exhibit 300.6 ('02 Handbook) depicts a single home, but it addresses cable installed under a driveway.