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. Skeptical

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.

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. Coca-Cola is to become the new sponsor of the London Eye after (1) ______ a deal to replace France's EDF Energy. The capital's giant Ferris Wheel has been a (2) ______ tourist attraction since it was introduced in 2000, when it was (3) ______ as the Millennium Wheel. It was previously (4) ______ by British Airways before becoming the EDF Energy London Eye in 2011. Coca-Cola will take over in January after (5) ______ a two-year deal with the wheel's owner, Merlin Entertainments, for an undisclosed sum.

Select the most appropriate option to fill in blank number 3. 

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.
 Ants, like most insects, have (1) ______ are known as compound eyes. This means their eyes have multiple lenses, (2) ______ in general, most species of ant do not have particularly great eyes for seeing (3) ______ far. Ants can detect movement and see the areas around them, but (4) ______ more on senses and information they get from their legs and antennae (5) ______ from their eyes.

Select the most appropriate option to fill in blank number 4.

Directions: Read the following passage carefully and choose the best answer to each question out of the four alternatives.

The most logical and intelligent people seem to go berserk when talking about snakes. Recently a reputed scientist said with a wise look in his eyes that sand boas have two heads. The other day someone walked into my office and stated that in his village at least cobras mate with rat snakes. About other places he was not sure, he added modestly, but that was how it was in his village.

These stories about snakes are myths. Sand boas have only one head; vine snakes do not peck your eyes out; no snake will drink milk. But it is interesting to try and trace the origin of these untruths. The one about the sand boas two heads obviously exists because the short, stumpy tail of this snake looks remarkably like the head, an effective device to fool predators. Or take the one about vine snakes pecking at eyes. It was ‘probably started by a vine snake that had a bad aim, as snakes, when provoked, will bite the most prominent projection of the offender, which is usually the nose.

But the most interesting one is about snakes coming to the scene of killing to take revenge. It so happens that when injured or under stress, a snake exudes, a large quantity of musk. Musk is a powerful sex attractant, the snakes’ equivalent of after-shave lotion. So after a snake is killed, the ground around still has this smell and naturally a snake of the same species passing by will lick its lips and come to investigate. The killer of the snake, who is probably worried if the pooja he performed was adequate to liquidate the killing of a snake, sees the second snake and is convinced that it was not.

The Irula tribals have a good answer to the query about whether cobras have jewels in their heads; “If they did, we wouldn’t be snake catchers, we would be rajas!”

Irula tribals are

Read the given passage and answer the questions that follow.

The sage of science, Einstein, was sitting in a depressive and pensive mood one evening. His eyes were brimming with tears. The pain was evident on his face. He peeped out of the window of his room. The sun had set a few minutes back. The sky was filled with a reddish glow. At this sunset, he felt that it was humanity that had sunk into devilish darkness and the reddish glow in the sky was the blood of humanity spilling all over the sky from earth. With tired steps, he walked back to his chair and settled down. It was the 9th of August 1945. Three days back, he had felt the same agony as if someone had torn him apart. He was deeply hurt and depressed when he heard on the radio that America had dropped an atom bomb on the Japanese city, Hiroshima. Today, within three days another bomb was dropped on another city, Nagasaki and lakhs of people had been killed.

He had heard that the blast released so much energy that it had paled all past destructions in comparison and death had played out a pitiable dance of destruction. The flames that broke out of the bomb were burning, melting, and exploding buildings. Scared of the heat of the bomb, people had jumped into lakes and rivers, but the water was boiling and the people too were burnt and killed. The animals in the water were already boiled to death. Animals, trees, herbs, fragrant flowering plants were all turned into ashes. The atomic energy destruction had just not stopped there. It had entered the atmosphere there and had spread radiation that would affect people for generations to come and would also bring about destructive irreversible biological change in animals and plants.

As the news of the atomic attack reached Einstein, and he became aware of the glaring horror of the abuse of atomic energy, his distress and restlessness knew no bounds. He could not control himself and picked up his violin to turn his mind on to other things. While playing the violin, he tried to dissolve his distress in its sad notes, but couldn’t. He was burning on the embers of destruction; his heart was filled with an ocean of agony and tears just continued streaming uncontrollably out of his eyes. Night had fallen. His daughter came up and asked him to eat something as he had not taken anything for the last four days. His voice was restrained and he said, “I don’t feel like eating.”

He could not sleep that night. Lying down, he was thinking how he had drawn the attention of the then American President Roosevelt towards the destructive powers of an atomic bomb. He had thought that this would be used to scare Hitler and put an end to the barbarism that Hitler was up to. However, Roosevelt kept him in the dark and made false promises. Eventually, he had abused Einstein’s equation of E = mc2 that resulted in the destructive experiments. His actions had made science and scientists as murderers. Einstein kept on thinking for a long time. Eventually, he slipped into sleep. When he woke up at dawn, there was a new dawn in him too. The atomic threat had transformed his heart.

Why did Einstein refuse to eat?

Read the following passage and answer the questions given after it.

Wetlands are amongst the most productive ecosystems on the Earth and provide many important services to human society. They exhibit enormous diversity according to their genesis, geographical location, water regime and chemistry, dominant species, and soil and sediment characteristics. Globally, the areal extent of wetland ecosystems ranges from 917 million hectares (m ha) to more than 1275 m ha. One of the first widely used wetland classifications systems, devised by Cowardin et al., 1979, categorized wetlands into marine (coastal wetlands), estuarine (including deltas, tidal marshes, and mangrove swamps), lacustrine (lakes), riverine (along rivers and streams), and palustrine ( marshes, swamps and bogs) based on their hydrological, ecological and geological characteristics.

Ramsar Convention on Wetlands was an international treaty signed in 1971. Overall, 1052 sites in Europe; 289 sites in Asia; 359 sites in Africa; 175 sites in South America; 211 sites in North America; and 79 sites in Oceania region have been identified as Ramsar sites or wetlands of International importance.

As per the Ramsar Convention definition most of the natural water bodies (such as rivers, lakes, coastal lagoons, mangroves, peat land, coral reefs) and man- made wetlands (such as ponds, farm ponds, irrigated fields, sacred groves, salt pans, reservoirs, gravel pits, sewage farms and canals) in India constitute the wetland ecosystem distributed in different geographical regions ranging from Himalayas to Deccan plateau. As of February, 2022, India has 49 Ramsar sites covering an area of 10,93,636 hectares, the highest in South Asia. As per the estimates, India has about 757.06 thousand wetlands with a total wetland area of 15.3 m ha, accounting for nearly 4.7% of the total geographical area of the country . Out of this, areas under inland wetlands accounts for 69%, coastal wetlands 27%, and other wetlands (smaller than 2.25 ha) 4%.

Gujarat has the highest proportion (17.5%) and Mizoram has the lowest proportion (0.66%) of the area under wetlands. Among Union Territories, Lakshadweep has the highest proportion (around 96%) and Chandigarh has the least proportion (3%) of geographical area under wetlands.

Which of the following questions cannot be answered after reading the above passage?

Directions: Read the passage given below and answer the questions that follow by choosing the correct/most appropriate options.

AU Small Finance Bank Limited is an Indian Small Finance Bank, based in Jaipur, India. It was founded as vehicle finance company AU Financiers (India) Ltd. in 1996 and converted to a small finance bank on April 19, 2017.

AU Small Finance Bank serves low and middle-income individuals and micro and small businesses that have limited or no access to formal banking and finance channels. The Bank offers loans, deposits, and payment products and services. AU Small Finance Bank ranked 355 in the list of Fortune India 500 (2019) companies, with annual revenue of 3410.87 crore (US$427 million) and Total B/S Assets of 31198.68 crore (US$ 3.9 billion).

AU Bank enjoys a long-term credit rating of "AA-/Stable" from CRISIL Ratings, ICRA Ratings, India Ratings and CARE Ratings.

The company was founded by Sanjay Agarwal (Managing Director and CEO of AU Small Finance Bank) as a private limited company, and publicly listed in an IPO on June 29, 2017. A merit holder Chartered Accountant and a first-generation entrepreneur, he holds ~ 28.5% stake in the bank. He is supported by a team of 23486 employees.

AU Small Finance Bank is listed on NSE and BSE with a market capitalisation of ~ 37942 crore. On its first day of trading, the stock rose 51% to be the most expensive bank in India based on price-to-book. In November 2017, the Reserve Bank of India added the bank to its schedule of commercial banks, further improving the bank's growth prospects by reducing the cost of short-term funds and improving the bank's ability to provide services.

Over the years, the Bank has attracted marquee investors like IFC, Warburg Pincus, Temasek Holdings, Nomura, Kotak Mahindra MF, etc. Private equity companies that provided venture capital, including Warburg Pincus and International Finance Corporation, made partial exits for as much as nine times their original investment.

Due to its history as a vehicle finance company, as of March 2018 almost all the loans made by AU Small Finance Bank were secured, unlike most small finance banks that have unsecured loans due to their background in microfinance. This provides lower yields (lower interest rates) than unsecured loans, so the bank has been particularly active in growing its deposits, as bank deposits have a lower cost than other sources of funds. It has also sought to diversify into savings products like deposits, payment/transaction banking, distribution of third-party products, and additional loan products thereby positioning itself as a holistic financial products and services provider.

As on June 30, 2021, AU Small Finance Bank's distribution network............... 758 Banking Touchpoints and 23486 employees spread contiguously across 15 states and two Union Territories with over 2 million customers.

The bank has operations in 15 States and two Union Territories, with Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh being key states. It is one of the largest banks by a number of locations in its home state of Rajasthan.

Who is the founder of AU Small Finance Bank?