Answer: A) NPA's Explanation: Bad loans in banking terminology are generally known as NPA's. A Non - performing Asset (NPA) is defined as a credit facility in respect of which the interest and installment of principal have remained 'past due' for a specified period of time.

Answer: A) 66 sec Explanation: For ticking 6 times, there are 5 intervals. Each interval has time duration of 30/5 = 6 secs At 12 o'clock, there are 11 intervals,so total time for 11 intervals = 11 x 6 = 66 secs.

Answer: B) Officials Explanation: A bureaucracy is a way of administratively organizing large numbers of people who need to work together. The term bureaucracy literally means "rule by desks or offices". Organizations in the public and private sector, including universities and governments, rely on bureaucracies to function.