[quote]His mind dawdles as he waits, and he tells himself, with no prior knowledge of the situation, that she has £1.18 in her hand. Cut to the woman, counting her coins: £1, 10, 15, 17, 18p. So the man was correct. But does he know that she has £1.18? [/quote]
His opinion/belief meets two of the requirements "belief and truth", but because it is not verified (at that moment), it is just what he thinks in his mind. The fact that he's correct (but has not had it demonstrated to be fact) means that he must admit that until he has evidence supporting his belief, that he could possibly be wrong.
"Even a broken clock tells the correct time twice a day."
English
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He could be wrong, but he isn't. How much does he truly 'know', before the woman's announcement, and after? It could be argued that he knows when his guess is verified (or that he knew, with hindsight in the present), but without that key verification, it's hard to justify using the term, instead of 'he guessed correctly'. Which is, of course, entirely true.