Directions: In the following passage, there are blanks, each of which has been numbered. Against every five words are suggested one of which fits the blank appropriately. Find out the appropriate word in each case.

The world of finance can be __(A)_, but understanding key concepts and strategies can help investors make __(B)_ decisions. One important concept is the time value of money, which refers to the fact that a dollar today is worth more than a dollar in the future. This is because money can be invested and earn _(C)__ over time, meaning that a dollar today has the potential to grow into more than a dollar in the future. Risk tolerance is another important consideration when it comes to investing. The level of risk an investor is willing to take on should be carefully __(D)_ against the potential for return. Generally, the higher the risk of an investment, the higher the potential return, but also the higher the potential for loss.

When investing in the stock market, investors have several strategies to choose from. Value investing involves looking for stocks that are trading at a lower price than their intrinsic value, while growth investing involves looking for companies that are expected to grow at a faster rate than the overall market. Regardless of the strategy chosen, it's important to __(E)_ a portfolio across different asset classes to reduce overall risk and maximize potential gains.

Which of the following words most appropriately fits the blank labelled (E)?

Directions :Read the given passage carefully and answer the following questions. Certain parts have been highlighted to help answer the questions.
  Every year, around one million people die of mosquitoborne diseases according to the World Health Organization (WHO). This is why mosquitoes are considered one of the deadliest living creatures on the planet — not because they are lethal themselves, but because many of the viruses and parasites they transmit are
 In the absence of an effective vaccine for dengue fever, Zika fever, chikungunya and other mosquito-borne diseases, researchers have developed genetic strategies to reduce mosquito populations. One such strategy involves the release into the wild of genetically modified (GM) mosquitoes that express a lethal gene — a strategy believed to have little impact on the overall DNA of wild populations of mosquitoes
 The transfer of new genes from GM organisms to wild or domesticated non-GM populations is a key criticism of GM crops like soybean and corn. There are concerns that the introduction of GM genes into non-target species could have negative consequences for both human and environmental health.
 Oxitec, a company that spun out of research at Oxford University in the early 2000s, developed and trademarked GM Friendly™ mosquitoes (also known as strain OX513A of Aedes aegypti). These male GM mosquitoes have what the company describes as a “self-limiting” gene, which means that when these so-called friendly mosquitoes’ mate, their offspring inherit the self-limiting gene which is supposed to prevent them surviving into adulthood.
 In theory, when these mosquitoes are released in high numbers, a dramatic reduction in the mosquito population should follow. According to research published by Oxitec researchers in 2015, field trials involving recurring releases of Friendly™ mosquitoes demonstrated a reduction of nearly 95 per cent of target populations in Brazil. In these field trials, experiments were not performed to assess whether GM mosquitoes might persist in the wild.
 A recent study from the Powell lab at Yale University has since confirmed that some of the offspring of the GM mosquitoes didn’t succumb to the self-limiting lethal gene and survived to adulthood. They were able to breed with native mosquitoes and thereby introduce some of their genes into the wild population
 Meanwhile, the impact of mosquitoes carrying these new genes remains largely unknown. One significant worry is that a new breed of mosquito might emerge that is more difficult to control. These new genes could also potentially alter evolutionary pressures on viruses carried by mosquitoes, like dengue fever, in unpredictable ways. This includes potentially increasing their virulence or changing their host-insect interactions. These are hypothetical risks that have been raised by scientists, and reflect the need for further study.

What can be the potential side effect(s) of genetically modified mosquito offspring?

Read the following passage carefully and give the answer of following questions.

Art both reflects and interprets the notion that produced it. Portraiture was the dominant theme of British painting up to the end of the eighteenth century because of a persistent demand for it. It would be unfair to say that human vanity and pride of possessions were the only reasons for this persistent demand, but certainly these motives played their part in shaping the course of British painting. Generally speaking, it is the artist's enthusiasm that accounts for the vitality of the picture, but it is the client who dictates its subject-matter. The history of national enthusiasms can be pretty accurately estimated by examining the subject-matter of a nation's art.
 There is one type of subject which recurs again and again in British painting of the late eighteenth century and the jart half of the nineteenth and which is hardly met with in the jart of any other country ---- the sporting picture, or rather the picture in which a love of outdoor life is directed into the channel of sport. The sporting picture is really an extension of the conversation piece. In it the emphasis is even more firmly based on the descriptive side of painting. It made severe demands on the artist and it must be-confessed that painters capable of satisfying these demands were rare. The ability to paint a reasonably convincing landscape is not often combined with the necessary knowledge of horses and dogs in movement and the power to introduce a portrait when necessary. To weld such diverse elements into a satisfactory aesthetic unity requires exceptional ability. It is not surprising, therefore, that while sporting pictures abound in England, especially in the private collections of country squires, not many of them are of real importance as works of art. What makes the sporting picture worth noting in, a history of British painting is the fact that it is as truly indigenous and as truly popular a form of art in England as was the religious ikon in Russia.

Persistent demand for portraiture could be found

Comprehension: In the following passage, some words have been deleted. Read the passage carefully and select the most appropriate option to fill in each blank.
 Nitrogen is essential to life (1)______ Earth. It is a component of all proteins, and it can be (2)______ in all living systems. Nitrogen compounds are (3)______ in organic materials, foods, fertilisers, explosives and poisons. Nitrogen is crucial to life, (4)______ in excess it can also be (5)______ to the environment.

Select the most appropriate option to fill in blank number 5. 

Read the given passage and answer the questions that follow

As the Sun inches closer to its peak activity in its solar cycle, an explosion has been picked up behind the north-eastern limb of the star in our solar system. Solar observatories saw bits and pieces of the explosion, which remain obscured in view from Earth's orbit. The explosion was spotted on 31 July at around 2309 UT and Earth-orbiting satellites registered a long-lasting C9.3-class solar flare. "The intensity is probably an underestimate because it was partially eclipsed by the edge of the sun. Nasa's Solar Dynamics Observatory (SDO) saw hot debris flying away from the blast site," space weather, which tracks the solar activity, reported.

While the explosion was powerful, experts have predicted that Earth is not in the line of fire from the Sun. Scientists are expected to get a view of the active region later this week as it comes to sight. Earth is not in the line of fire. The explosion is significant because it may herald an active region set to emerge over the sun's north-eastern limb later this week. A new sunspot group could bring an end to weeks of relative quiet," space weather said in its report

Select the most appropriate synonym of the given word from the passage.

Read the passage carefully and give the answer of following questions.

The interview may be conducted by letter and by telephone, as well as in person. Letter and telephone interviews are less satisfactory. Direct contact with an individual and a face-to-face relationship often provide a stimulating situation for both interviewer and interviewee. Personal reaction and interaction aid not only in rapport but also in obtaining nuances and additional information by the reactions which are more fully observed in a face-to-face relationship.

Adequate preparation for the interview is a “must”. Careful planning saves not only time but also energy of both parties concerned. The interview is used to obtain facts or subjective data such as individual opinions, attitudes, and preferences. Interviews are used to check on questionnaires which may have been used to obtain data, or when a problem being investigated is complex, or when the information needed to solve it cannot be secured easily in any other way. People will often give information orally but will not put it in writing.

Face-to-face interaction with the interviewees enables the interviewer to

Direction: Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.

The effects of the worst economic downturn since the Great Depression are forcing changes on state governments and the U.S. economy that could linger for decades. By one Federal Reserve estimate, the country lost almost an entire year's worth of economic activity – nearly $14 trillion – during the recession from 2007 to 2009. The deep and persistent losses of the recession forced states to make broad cuts in spending and public workforces. For businesses, the recession led to changes in expansion plans and worker compensation. And for individual Americans, it has meant a future postponed, as fewer buy houses and start families. Five years after the financial crash, the country is still struggling to recover." In the aftermath of [previous] recessions there were strong recoveries. That is not true this time around," said Gary Burtless, a senior fellow at the Brookings Institution. "This is more like the pace getting out of the Great Depression." For years, housing served as the backbone of economic growth and as an investment opportunity that propelled generations of Americans into the middle class.

But the financial crisis burst the housing bubble and devastated the real estate market, leaving millions facing foreclosure, millions more underwater, and generally stripping Americans of years' worth of accumulated wealth. Anthony B. Sanders, a professor of real estate finance at George Mason University, said even the nascent housing recovery can't escape the effects of the recession. Home values may have rebounded, he said, but the factors driving that recovery are very different than those that drove the growth in the market in the 1990s and 2000s. Sanders said more than half of recent home purchases have been made in cash, which signals investors and hedge funds are taking advantage of cheap properties. That could freeze out average buyers and also mean little real economic growth underpins those sales. Those effects are clear in homeownership rates, which continue to decline. In the second quarter of this year, the U.S. homeownership rate was 65.1%, according to Census Bureau data, the lowest since 1995. In the mid-2000s, it topped 69%, capping a steady pace of growth that began after the early 1990s recession. Reversing that will be a challenge, in part because credit has tightened and lending rules have been toughened in an effort to avoid the mistakes that inflated the housing bubble in the first place.

"Credit expanded, and now contracted, and it's going to be tight like this as far as the eye can see," Sanders said. "We so destroyed so many households when the bubble burst, there's just not the groundswell to fill the demand again." Some are skeptical that the tight credit market and new efforts to regulate the financial markets, like the Dodd-Frank law, will prove lasting. Americans have often responded with calls for regulation after financial sector-driven crises and accusations of mismanagement, according to Brookings' Burtless. "But eventually, those fires cool down," he said. "It's not as though this memory of what can go wrong sticks with us very long." That can be seen in the intense efforts to water down Dodd-Frank's regulations, Burtless said. Federal regulators have already made moves to relax requirements for some potential homeowners who were victims of the recent housing crisis. Even those steps and an unlikely return to easy credit might not fuel a full housing recovery without economic growth to back it up. As Sanders, referring to the growth in low-wage and part-time employment, put it: "At those wages, it's tough to scramble together down payments and mortgages’’.

 "Turmoil in the housing market has already reshaped the makeup of households nationwide. Homeownership rates among people with children under 18 fell sharply during the recession, declining 15% between 2005 and 2011, according to Census Bureau data. In some states it was far worse. For Michigan, the decline in homeownership was 23%, and in Arizona and California it was 22%. Lackluster job growth has outlived the downturn. A study by the Economic Policy Institute showed wages for all workers, when adjusted for inflation, grew just 1.5% between 2000 and 2007. But the last five years wiped out even those modest gains—the study found wages declined for the bottom 70% of all workers since the recession began. However, some areas have seen manufacturing jobs climb back from recessionary lows, and the energy sector has been a boon for some Midwestern states. One hopeful sign for workers is the shift away from manufacturing growth in the typically low-wage South back toward the Rust Belt states, reversing a movement that was taking hold before the downturn. That trend is documented in a 2012 report from the Brookings Institution, "Locating American Manufacturing: Trends in the Geography of Production.’’

"From 2000 to 2010, both the Midwest and South lost manufacturing jobs at about the national rate of 34%. But the Midwest has seen nearly half of all manufacturing jobs gained since 2010, almost double the increase in the South. For Michigan, the growth was 19%; in Indiana, 12%. Even with that growth, there are caveats. Autoworker unions have ceded ground with companies on wages and benefits, for example, allowing new hires to work for lower pay and fewer benefits than those who've held their jobs longer. Unemployment remains stubbornly high in some states, and the jobs created have leaned heavily toward part-time and low-pay work. A study from the San Francisco Federal Reserve found the proportion of U.S. jobs that are part-time is high, as many of the jobs lost during the recession have not returned.

Choose the word/group of words which is most opposite in meaning to the word/group of words printed in bold as used in the passage.
Q. Foreclosure

Read the given passage and answer the questions that follow.

Her name was Sulekha, but since her childhood everyone had been calling her Bholi, the simpleton. She was the fourth daughter of Ramlal. When she was ten months old, she had fallen off the cot on her head and perhaps it had damaged some part of her brain. That was why she remained a backward child and came to be known as Bholi, the simpleton. At birth, the child was very fair and pretty. But when she was two years old, she had an attack of smallpox. Only the eyes were saved, but the entire body was permanently disfigured by deep black pockmarks. Little Sulekha could not speak till she was five as she was a slow learner, and when at last she learnt to speak, she stammered. The other children often made fun of her and mimicked her. As a result, she talked very little. Ramlal had seven children — three sons and four daughters, and the youngest of them was Bholi. It was a prosperous farmer’s household and there was plenty to eat and drink. All the children except Bholi were healthy and strong. The sons had been sent to the city to study in schools and later in colleges. Of the daughters, Radha, the eldest, had already been married. The second daughter Mangla’s marriage had also been settled, and when that was done, Ramlal would think of the third, Champa. They were good-looking, healthy girls, and it was not difficult to find bridegrooms for them. But Ramlal was worried about Bholi. She had neither good looks nor intelligence. From her very childhood Bholi was neglected at home. She was seven years old when Mangla was married. The same year a primary school for girls was opened in their village. The Tehsildar sahib came to perform its opening ceremony. He said to Ramlal, “As a revenue official you are the representative of the government in the village and so you must set an example to the villagers. You must send your daughters to school.” That night when Ramlal consulted his wife, she cried, “Are you crazy? If girls go to school, who will marry them?” But Ramlal had not the courage to disobey the Tehsildar. At last his wife said, “I will tell you what to do. Send Bholi to school. As it is, there is little chance of her getting married, with her ugly face and lack of sense. Let the teachers at school worry about her.”

How was Ramlal expected to set an example for the villagers?