Explanation:

- The train's speed without stops is 65 km/h.

- When including stops, the speed drops to 52 km/h.

- The difference in speed is due to the time lost during stoppages.

- In an hour, the train covers 13 km less due to stops (65 km/h - 52 km/h = 13 km).

- To find out how much time is spent stopped, consider the distance lost (13 km) and the travel speed without stops (65 km/h).

- Time stopped per hour: $\frac{13}{65}\times 60=12$ minutes.

- Correct Answer: Option 3 - 12 minutes