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ALLAHABAD BANK (PO) RECRUITMENT EXAM. QUANTITATIVE APTITUDE Directions (1-10) : What should come in place of'the question mark (?) in the f'ollowing questions? 4 (a) 2 (b) (c) 6 (d) 8 none of these 2. 6.66 x 66.6 x 66 = ? (a) 27274.696 (c) 31274.696 (e) none (b) 29274.696 (d) 33274.696 of these (e) 4. none of these 9 141 (e) none of these (c) 383 (c) 547 10 (d) 100 (b) none of these 10. 64% of 562.8 = 25% of? (a) 678.909 (b) 1134.564 (c) 360.192 (d) 1440.768 (e) none of these 40040 (d) 8163 (e) none of these 121 (d) 15 (b) 12. 80 120 180 270 405 607.5? (a) 850.50 (b) 911.25 (c) 1518.75 (d) 759.375 (e) none of these 5. {(.J729 x 32) + 451 x? = 10502.4 (a) (a) 10002 (c) 1002 (c) ~~3969 +.J3364 =? (a) 169 9. 1000 12 + 1030 =? 11. 8 36 152 620 2496 10004? (a) 8190 (b) 8187 2 3 (d) 356.6964 Directions (11-15) : What should come in place of'the question mark en in the f'ollowing number series? 9 (c) (b) 346.9664 366.9646 (e) 321 3. 1- + 1 - + 1 - = ? 574 (a) 5 35 (a) 386.9466 (c) (e) none of these 5.4 + 3 x 16 + 2 _? 1. 18 + 5 x 6 + 3 -. (e) 8. (18.92)2 - .J121 =? 476 (d) 651 (b) (e) none of these 13. 548 567 624 719 852 1023? (a) 1175 (b) 1194 (c) 1213 (d) 1232 (e) none of these 6. ?% of225 + 22% of 555 = 203.1 (a) 23 (b) 44 (c) 36 (d) 58 (e) none of these 14. 16 104 572 2574 9009 225225 '? (a) 33783.75 (b) 56306.25 (c) 28153.125 (d) 16891.875 (e) none of these 7. {(35)2 + (38)2) + ? = 5 (a) 503 (b) 543.6 (c) 567.8 (el) 592 te) none of these 15. 500 251 127.5 66.75 37.375 23.6875? (a) 17.84375 (b) 17.83475 (c) 17.87435 (d) 17.85374 (e) none of these 2 PREVIOUS PAPER (ALLAHABAD BANK) Directions (16-20) : What approximate value should come in place ofthe question mark (n in the following questions? (You are not expected to calculate the exact value.) 1 7 3 16. 3 4 + 5 8 + 1 10 ==? (a) 6 (c) 28 (e) 10 17. ~85963 ==? (a) 222 (c) 293 (e) 316 18. 7896543.;- 6589 == ? (a) 1200 (c) 1550 (e) 775 (b) 18 (d) 22 (b) 241 (d) 198 (b) 1000 (d) 1825 19. 74.2% of 7685.4 +?% of 5546.8 == 6750 (a) 37 (b) 8 (c) 12 (d) 19 (e) 25 20. 77.435 x 13.556 x 38.676 ? (a) 46000 (b) 40600 (c) 49500 (d) 44200 (e) 48600 Directions (21-25): Study the table carefully to answer the questions that follow: Number of People Selecting Six Different Products and the Percentage of Men, Women and Children Selecting Those Products. Product Total Number PerccntaJ::'e of Men WOilltlll Children of people 4(J A :35 . 25 46280 B :15 40 45540 25 C 20 32240 25 55 D 30 60430 20 50 E 70 36230 10 20 -F 53990 40 20 , 40 21. What is the total number of children selecting product E? (a) 27172 (b) 25361 (c) 23413 (d) 21781 (e) none of these 22. What is average number of women selecting all the products together? (a) 20859 (b) 18765 (c) 19076 (d) 17383 (e) none of these 23. What is the respective ratio of total number of women selecting product A to those selecting product D? (a) 1 : 3 (b) 42 : 51 (c) 2314: 6043 Cd) 413: 678 (e) none of these 24. Number of children selecting product C forms what percentage of those selecting product B? (Rounded off to two digits after decimal) (a) 35.40 (b) 287.10 (c) 59.71 (d) 185.40 (e) none of these 25. Total number of men selecting product F forms approximately what per cent of the total number of people selecting all the products together? (a) 19 (b) 14 (c) 3 (d) 23 (e) 8 Directions (26-30) : Study the following graph carefully to answer the questions that follow: Number of Students Enrolled in Three Different Disciplines in Five Different Institutes. 5()O t:J MBA 0 MeA LLlI.1 .5 ~5(}-l---.......-------- is 41l0~--m-----lilt--t---l ~15~----4 ~-----. v;i'300 'o.~ 50 t ~ 100 l<;fi '"~ ZlOi) 50 Ii L....J:I;,I,..IIL..JIiLI_~ __...&I;......._ _ _ __ ABE institutes PREVIOUS PAPER (ALLAHABAD BANK) 26. Number of students studying MCA in Institute D forms what per cent of total number of student studying all the disciplines together in that institute? (Rounded off to two digits after decimal) 3 Directions (31-35): Study the following table carefully to answer the questions that follow: Perctntage of Marks Obtained by Different Students in Different Subjects (a) 38.85 (b) 40.48 (c) 37.21 Sub' ects (Marks) Students Hindi English (100) 0(0) Math. Physics Chemistry BioIQl!Y IT {'51 (150) 050) (e) 1);0) nO (d) 36.36 (75) [)$ none ofthese 27. Number of students studying MCA in Institute E forms approximately what per cent of the total number of students studying MCA in all the Institutes together? (b) 26 (a) 42 (d) 12 (c) 38 (e) 20 28. What is the respective ratio of total numberof students studying LLM in the institutes C and E together to those studying MBA in the institutes A and B together? (b) 7: 6 (a) 2 :5 (d) 13: 29 (c) 2 : 1 (e) none of these 29. What is the total number of students studying MBA in all the institutes together? (a) 1800 (b) 1725 (c) 1875 (d) 1650 (e) none of these 30. What is the respective ratio of total number of students studying MBA, MCA and LLM in all the institutes together? (a) 68 : 65 : 38 (b) 68 : 38 : 65 (c) 68 : 61 : 38 (d) 68 : 38 : 61 (e) none of these 31. How many marks did Kunal get in all the subjects together? (a) 592 (b) 588 (c) 634 (d) 606 (e) none of these 32. What are the average marks obtained by all students together in Chemistry? (a) 98 (b) 112 (c) 88 (d) 124 (e) none of these 33. How many students have scored the highest marks in more than one subj ect? (b) Three (a) Four (c) Two (d) One (e) none of these 34. Marks obtained by Ruchi in Biology are what percent of marks obtained by Kunchan in the same subject? (Rounded off to two digits after decimal) (a) 94.44 (b) 105.88 (c) 113.13 (d) 86.24 (e) none of these 35. Who has scored the highest marks in all the subjeCts together? (b) Mrinal (a) Diksha (d) Prashant (c) Ruchi (e) none of these 4 PREVIOUS PAPER (ALLAHABAD BANK) Directions (36-40): Each question below is {ollO/ved by two statements A. and B. You are to determine whether the data given in the slaternent are sufficient {or answering the question. You should use the data and your knmvledge o{ Mathematics to choose between the possible answers. Give answer as (a) if the statement A alone is sufficient to answer the question, but the statement B alone is not sufficient. (b) ifthe statement B alone is sufficient to answer the question, but the statement A alone is not sufficient. (c) ifhoth statements A and B together are needed to answer the question. (d) if either the statement A alone or statement B alone is sufficient to answer the question. (e) if you cannot the answer from the statements A and B together, but need even more data. of R, in a group of P, 36. What is the Q, R, Sand T whose average salary is R8.45,980? A Total of the salary of P and T is RR. 90,670. B. Total of the salary of q and S is R8. 76,540. 37. In how many 16 women can complete a piece of work? A 10 men can complete the same picte of works in 12 days. B. 21 children can complete the same piece of work:, in ~32 days. 38. What is the three dif,.rit number? A. Two fifth of that number is less by 20 ofthe half of that number. B One fourth of that number is 25(t ufthat number. :39. "Vhat is the profit eBrnf!d by selling a cell phone for Rs. 6,2:'i0? .A The cost price of 5 such cell ph0nes is equal to selling price of 4 i'\uch cell phones. B. 25(;{ profH is earned by selling each cell phone. 40. The ages of Veer and Deep are in the ratio of 7 : 6. What is the age of .Jeet? A. The ages of Veer and Deep are in the ratio of 7 : 4. B. After 5 years, the ratio of Veer's and Jeet's ages will be 8 : 7. 3 41. What is 25% of ;359'" of,.:; th of 1680'1 I (b) 3969 (d) 63 (a) 21 (c) 189 (e) none of these 42. The simpJe interest accrued on an amount of Rs. 40,000 at the end of four years is Rs. 24,OOK'~'hat would be the compound interest accrued on the same amount at the same rate in the same period'? (en Rs. 25,96075 (b) Rs. 30,000 (e) Rs.29,960.25 (dl Rs. 27,000 (e) none of these 43. Which number should replace both quesr.ion marks in the following equation? ? 180 2880 ? (b) 750 \(1) 360 (d) 1080 (c) 540 (c) none of these 44. The sum of four consecutive even numbers is 156. \Vhat is the: sum of the squares of these numbers'? (a) G101 (b) 9156 (dl 23716 tc} 7812 (e) none ofthe::;e PREVIOUS PAPER (ALLAHABAD BANK) 45. The average age of 32 boys in a class is 14 years and the average age of26 girls in the class is 12 years. What is the average age of all the boys and girls? (rounded off to two digits after deeiman (a) 12.90 years (b) 13.10 years (c) 13.50 years (d) 13.70 years (e) none of these 46. Gautam started a business with a sum ofRs. 60,000. Jatinjoined him 8 months later with a sum of Rs. 35,000. At what respective ratio will the two share the profit after two years? (a) 2 : 1 (b) 37: 14 (c) 3 : 1 Cd) 18: 7 (e) none of these 47. The cost of 15 kg of sugar is Rs. 255, the cost of 17 kg of tea is Rs. 1,615 and the cost of 22 kg of rice is Rs. 572. What is the total cost of 18 kg of sugar, 21 kg of tea and 27 kg of rice? (a) Rs.3,003 (b) Rs.3,030 (c) Rs. 3,300 (d) Rs.3,330 (e) none of these 48. If 6 ~ is subtracted from 9~. and the difference is multiplied by 220, what is the final answer? (b) 671 (a) 685 (c) 666 (d) Cannot be determined (e) none of these 49. Ifthe numerator ofa fraction is increased by 400% and the denominator is increased by 300%, the resultant fraction is ~! 5 (a)"7 (e) . What was the original fraction? 3 6 (b) 2 (e) 7 5 (d) 4 none of these 50. By how much is ! th of 448 lesser than 2 3-rd of 753? 320 (b) 340 (c) 360 (e) none of these (a) (d) 380 5 ENGLISH LANGUAGE Directions (51-65) : Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions. Rocketing food prices have sl!l1Tked riots in numerous countries recently. Millions are reeling from the price rise and goverments are scrambling to halt a fast - moving crisis before it spins out of control. From Mexico to Pakistan, Senegal and Mauritania protest have turned violent. In many poor countries, the protests have been fuelled by pent-up anger against authoritarian or corrupt officials, some of whom have earned fortunes from oil and minerals while locals are struggling to buy food. Protesters burned hundreds offood - ration stores government subsidised food on the lucrative accusing the owners of selling black market. 'This is a serious security issue, "says Joachim von Braun, Director General ofthe International Food Policy Research Institute (IFPRI), in Washington. He has been bombarded by calls from officials around the world, all asking one question: How long will the crisis last? The f orecast is grim. Governments might quell the protests, but bringing down food prices could take at least a decade, food analysts say. One reason : billions of people are buying ever - greater quantities of foodespecially in booming China and India, where many have stopped growing their own food and now have the cash to buy a lot more of it. Increasing meat consumption, for example, has helped drive up demand for grain, and with it the price. There are other problems too. The spike in oil prices, an unbelievable ($ 109 per barrel), has pushed up fertiliser prices, as 'veIl as the cost of trucking food from farms to local markets and shipping it abroad. In China, where food prices have soared 23% in a year, officials 6 have frozen the pritce offertiliserand boosted farm subsidies, in an effort to lower pork and wheat prices and avert possible protests. But the problems do not end there. Harvests have been seriously disrupted by freak weather, including prolonged droughts in Australia and Southern Mrica, floods in West Africa, deep frost in China and record-breaking warmth in Northern Europe. The push to produce biofuel as an anternative to hydrocarbons is further straining food supplies, especially in the U.S., where generous subsidies for ethanol have lured thousands of farmers aways from growing crops for food and increasing the area used for biofuel cultivation. As always in a crisis, there are winners. The creeping fear that the world might actually run short of food h as led speculators to pour billions into commodi ties accelerating price rises. For the world's poorest people, the price spikes are disastrous. Aid officials say that millions who previously eked out enough to feed their families can no longer afford the food in their local stores, and are seeking help from relief organisations. "We are seeing a new face of hunger" says the Executive Director of the U.N's World Food Program, "People who were not in urgent category are now moving into that category. "Despite the widespread demonstrations, the food crisis has been largely ignored by North American and European officials - who pay for much of the world's food aid "because no one is starving in rich countries." Several African countries have begun planting high - protein, pest-resistant rice crops, and aid organisations are beginning to recruit locals for new job programs to help people pay their food bills. In the poorest parts of Asia ancrMrica, officials hope that sky-high food prices might lift out of poverty small farmers who have barely scraped by on low crop prices - a hope that would get a big boost if the rich world agreed to cut agricultural subsidies in the current round oftrade talks. I;)REVIOUS PAPER (ALLAHABAD BANK) 51. What have experts predicted about the current food crisis? (A) They believe it will pose a severe security risk. (B) China and India will reduce their food exports drastically to feed their own population. (C) It is likely that food prices wil1 be reduced in at 1eat a decade. (a) only A (b) both A and C (c) only B (d) all A, Band C (e) none of these 52. Which of the following cannot be consid ered as a cause of rising foodgrain prices? (a) Increased meat consumption !(b) Manipulati.on of commodi.ties markets {c) Recommendation of International Food Policy ReRcarch Institutes (d) Drastic shifts in existing weather patterns (e) Exorbitant oil prices 53. 1What does the phrase "new face of hun ger" imply in the context of the passage? (A) In some countries a large section of the middle class cannot afford food. (B) Aild organisations themselves cannot afford local fnod prices in some countries and require increased aid. (C) The number of people below the poverty 1ine has drastically grown. (a) none (b) only A (c) only B (d) both Band C (e) all A, Band C 54. Why has the area being utilised for biofuel cultivation increased ? i(a) Low hydrocarbon levels have forced farmers to grow biofuels. (b) Prices of ethanol have soared resul ting in higher profits for farmers. (c) Governments have provided a high subsidy for biofuels like ethanol. (d) Rise in prices of ferWisers required for the cultivation of traditional crops. (eo) none of these PREVIOUS PAPER (ALLAHABAD BANK) 55. \Vhy have U.S, officials not paid attention to the food crisis? (a) Relief organisatiolls hflve been handling the crisis well. (b) Crops grown for food are highly subsidised in America, (c) The U.S, has a huge surplus stock of food.' (d) The percentage of tho::;e affected by the crisis in America is low (e) No one is starving in rich countries 56. What measures have relieforganisations taken to help people in poorer countries to cope with the food crisis? (a) Creating awareness flm(Jng rich and develped nations about the severity of the food shortage (b) Hiring local labour to help implement new programmes (c) Providing knowledge to local farmers on the Intest farming technology such as pest resistant crops (d) Threatening to wind up their operations in afflicted countries if Western countries don't increase aid (e) Campaigning to reduce fuel prices 57. How can small farmers benefit from high food prices? ' (A) If their governments increase the subsidies offered on their agricultural produce (B) If rich countries participate in trade talks to set fixed export duties (C) If all governments agree to su bsidise oil prices (a) none (b) only A (c) both A and B (d) only C (e) all A, Band C 7 ;)8. Which of the follO\ving is not an impact of high fooLl prit:es? (A) Riots and destruction of propelty in many parts of the world (B) [FPRI has heen hnycuttod by several governmcntR (e) Offici<lIs have become rich by capitalising Oll high prices (a) only A rb) only B (e) both Band C (d) both A and C (c) none of these 59. Which of the following is a measure that governments have taken to doal with the lund crisis? (n) Placed the blame for the crisis on the International Food Policy Research Institute (b) Uniformly decided to cut export duties (e) Reduced subsidies on biofuols (d) Set a fixed priee on fertilisers (c) none of these 60. \\'hat is the author's main objective in writing the passage? (a) Criticising subsidy po.licy of rich countries (b) Urging governments to control pollution ~U1d reduce its impact on the climate (c) Berating citizens for using violent means of protest (d) Cautioning governments against speculators (e) Drawing our attention to tho globaL, and severe nature of the food crisis Directions (61-63) : Choose the word which is most similar in meaning to the word printed in bold as used in the passage ...... ". 61. SPARKED (b) Flashed (a) Flickered (d) Provoked (c) Enlivened (e) Energised 8 PREVIOUS PAPER (ALLAHABAD BANK) 62. PUSH (a) Incite (c) Drive (e) Encouragement 63. REELING (a) Stumbling (c) Shivering (e) Shocked Promote (d) Assault (b) (b) (d) Wavering Falling Directions (64-65) : Choose the word which is most opposite in meaning of the word printed in bold as used in the passage. 64. QUELL (a) Agitate (b) Focus (c) Rebel (d) Allay (e) Oppose 65. GRIM Flexible (c) Amiable (e) Friendly (a) Pleasant (d) Gentle (b) Directions (66~70) : Which ofthe phrases (a), (b), (c) and (d) given below each sentence should replace the phrase printed in bold in the sentence to make it grammatically correct? If the sentence is correct as it is given. and no correction is required, mark (e) as the answer. 66. Improving from the quality of new recruits, the company is planning to devote greater resources to training. (a) By improving (b) In order to improve in (c) To improve (d) An improvement of (e) No correction required 67. Your plan sounds easy in theory but it will he quite difficult putting in practice. ,ja) While in practice (b) In practice (e) When putting to practising (d) To put up for practice (e) No correction required 68. The volume of exports of goods and services from the U.S. is all times highest. (a) At its highest of all time (b) Higher all the time (c) Higher than all time (d) At an all time high (e) No correction required 69. Much of the money allotted by the State for primary education goes unspent every year. (a) Lot of the money allotted (b) Mostly of the money allotment (c) More the allotted money (d) So much of the money been allotted (e) No correction required 70. Collaboration of world leaders has helped addressed some of the most pressing problems the world is currently facing (a) can help address (b) if( helping the address of (c) will be addressed to (d) is a help to addressing (e) no correction required Directions (71-75) : In each of the following sentences there are two blank spaces. Below each five pairs of words have been denoted by numbers (a), (b), (c), (d) and (e). Find out which pair ofwords can be filled up in the blanks in the sentence in the same sequence to make the sentence meaningfully complete. there is a 71. As public resources are need for __ of the private sector in development. (a) exhaustive, participation (b) relative, solicitation (c) necessary, regulation (d) dwindling, coveting (e) limited, involvement PREVIOUS PAPER (ALLAHABAD BANK) 72. The Government is likely to __ a new rural infrastructure by the end of March. (a) formulate, development (b) frame, policy (e) sanction, funds (d) inspect, clearance (e) conceive. inflow 73. State owned banks may lose Government business if they __ to fulfill their developmental role. (a) valuable, compete (b) approved,omit (c) lucrative, fail (d) significant, neglected (e) profitable, succeed 74. The company was with a to improve power distribution in rural areas. (a) initiated, backing (b) established, aim (e) promote, priority (d) started, mandate (e) acquired, belief that the 75. The Finance Minister is country will __ a nine per cent growth rate. (a) assured. check (b) convinced, ensure (c) confident, post (d) proposed, achieve (e) challenged, sustain Directions (76-80): Rearran.ge the following sixsentenees (A), (B), (C), CD), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below them. (A) The employees worked very hard taking on all sorts of jobs and we established productivity records which are yet to be broken. (B) They came round to my way of thinking, everyone gradually fell in line and the agitation petered out. j 9 (C) My posing in Tinsukia gave me the opportunity to expl'lre the lovely land of Assam. (D) Some however started agitating for officiating allowance for doing a higher level job and work began suffering. (E) It also provided me with valuable grass root experience which today's graduates miss, making them more- dependent on jargon than on practical experience. (F) r took a firm stand and refused to yield, as this was unjustified .. 76. Which ofthe following will be the FmST sentence after rearrangement? (a) A (b) B (e) C (d)D (e) E 77. Which of the following will be the SECOND sentence after rearrangement? (a) A (b) B (c) C (d) D (e) E 78. Which of the following will be the THIRD sentence after rearrangement? (a) A (b) B (e) C (d) D (e) F 79. Which of the following will be the FIFI'H sentence after rearrangement? (a)B (b) C (c) D (d) E (e) F SO. Which ofihe following will be the sIXTiI (LAST) sentence after rearrangement? (a) B (b) C (c) D (d) E (e) F Directions (81-90) : Read each sentence to find out whether there is any grammatical error or idiomatic error in it. The error, ifany, will be in one part of the sentence. The number of that part is the answer. If there is no error, the answer is 'e'. (Ignore errors ofpunctuation, ifany. ) 81. Western investors are I (a) reluctant to invest in I (b) Asian countries because of the I (c) lack in law and order. No error. (d) (e) 10 PREVIOUS PAPER (ALLAHABAD BANK) 82. Though the country (a) has got independent (b) in 1947 districts 87. Three (a) l'ln earthquake had destroyed . (b) their city, the people are (e) (e) still have no electricity No error. (d) still rebuilding their lives No error. (d) (e) 83. After retirement many employees (a) usually spent time with (b) their families and (e) 88. It is crucially (a) to obtain the Board's (b) for the terms and conditions (e) (e) engage in social work. No error. (d) ofthe merger. No error. (d) (e) 84. The bank has (a) an executive (b) customers whom will (e) 89. Without hesitation he withdrew (a) his entire life savings from (b) the bank invested (e) online transactions. No error. (d) 85. Rising prices have forced (a) consumers either to reduce (b) their consumption else to (e) opt for less costly products. No error. (d) (e) 86. Consultations will be held (a) in New Delhi in the (d) No error. (e) 90. Vikram is a dedicated (a) journalist who has devoted (b) his life to documenting (e) conflicts all over the world. No error. (d) (b) latter half of the month (e) to finalise the agreement. No error. (d) them in his son new business venture. (e) (e) . (e) Directions (91-100) : In the following passage there are blanks, each ofwhieh has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case. PREVIOUS PAPER (ALLAHABAD BANK) Kenya is one of the few African countries which has held elections regularly (91) independence. Its economy (92) 6.4% in 2007 and it has been relatively stable till (93). The sudden outbreak of violence and unrest in Kenya last month (94) from three root causes. The first is poverty. Despite an overall economic growth, 58% of the population are still poor - (95) as living on $ 2 a day or less. UN studies show that the gap between the rich and the poor is (96) in Africa than the rest ofthe world. The second malady is corruption. In the list of the world's most corrupt countries (97) by the watchdog group Transparency International, Kenya ranks eighth from the bottom. Finally Kenya's democratic institutions remain (98). Voters are to some extent (99) in undermining democracy when they are given an opportunity to vote out corrupt leaders they do not exercise their voting rights. Part of the answer lies in holding African Governments (l00) for the corruption and misrule. However, the emergence of a more peaceful and prosperous Africa depends on the African people themselves. 11 (a) (d) by prior (b) with since (e) getting (e) 92. (a) (d) achieved growth (b) (e) grew advanced (e) expand 93. (a) (d) presently date 94. (a) (d) attributes result 95. (a) (e) (e) defined confined primarily 96. (a) (d) much deeper 97. (a) (e) (e) ranks classified compiled 98. (a) (d) weak diluted 99. (a) (e) (e) blame resourceful alleged (b) (d) complicit convicted 100. (a) (c) faulty capable offended (b) (d) deserving accountable 91. (e) (b) (e) current (e) nowadays recent (b) (e) traces ensue (e) stems (b) condenified~ , (d) record (b) (e) greatest higher (b) (d) (b) (e) stable faint (e) wider established collected (e) incapable GENERAL KNOWLEDGE 101. Who amongst the following is the author ofthe book "Th A Hunger Free World" ? (a) Amartya Sen (b) C. Rangarajan (c) Manmohan Singh (d) Sonia Gandhi (e) M.S. Swaminathan 102. Which of the following is/are true about the Sarva Siksha Abhiyan (SSA) ? (A) The programme is not very successfuL Hence Government is planning to wind it up. (B) It was decided to construct about 5 lakh new classrooms in 2005 07 to make the programme successful as the response for the same was very good in rural areas. (C) World Bank has decided to provide an aid of about US$ 600 million to make the programme successful in the next five years. (a) Only A (b) OnlyB (c) OnlyC (d) Only Band C (e) None of these 103. The Government of India has launched an Integrated Disease Surveiliance Project (IDSP) to monitor certain diseases.. Which of the following is not covered under the project? (a) Malaria (b) Polio (e) Plague (d) Tuberculosis (e) Cancer 12 PREVIOUS PAPER (ALLAHABAD BANK) 104. "Swayamsidha" is a scheme launched by the Government ofIndia to help (a) School children only (b) Health workers only (e) Women only (d) Senior citizen without any regular income (e) None of these 105. Which of the following amendments in the Constitution ofIndia are related with the institution of "Panehayat Raj"? (A) 106th (B) 100th (C) 73rd (0) 74th (a) Only A (b) OnlyB (e) Both C and D (d) BothAandB (e) None of these 106. In the financial newspapers we read about Industrial Gro"\i\rth. What are the activities involved in Industrial Sector for the purposes of economic planning? IA) Mining (B) Manufacturing (C) Construction (a) Only A (b) OnlyB (e) OnlyC (d) AllA,BandC (e) None of these 107. Many times we read in newspapers that the Rupee is appreciating. When we consider the rupee-dollar exchange rate in the light of Purchasing Power Parity (PPP) we think that the exchange rate of the two currencies should be (a) equal to the ratio of price levels in the two countries. (b) not be equal to the ratio of price levels in the two countries. (e) decided on the basis of the value of third major currency i.e. Euro or Yen. (d) necessarily be different for both the currencies as the economies of both of them are driven on two different sets of variables and it has no relation with PPP. (e) none of theAe 108. ,'Ilavis Cup' is associated with the game fa) Hockey (e) Boxing (e) Lawn Tennis (b) (d) Cricket Football 109. DCM Trophy is associated with the game of (a) Hockey (b) Cricket (e) Football (d) Polo (e) Badminton 110. Which of the following tenns is not used in the game of Lawn Tennis? (a) Volley (b) Smash (e) Gambit (d) Back hand drive (e) Service 111. The first Five Year Plan in India was launched in the year (a) 1947 (b) 1948 (e) 1949 (d) 1950 (e) 1951 112. Which of the following is grown mainly on mountain slopes? (a) Paddy (b) Tea (e) Groundnut (d) Potato (e) None of these 113. Black soil is not very suitable for the growth of (a) Cotton (b) Wheat (e) Ground nnt (d) Potato (e) Linseed 114. Which of the following is the normal period of "KharifCrop" ? (a) May to October (b) July to December (e) March to June (d) January to March (e) None of these 115. A person eligible to become the President of India should not be less than (a) 60 years of age (b) 55 years of age (e) 50 years of age (d) 40 years of age (e) 35 years of age 116. Which of the following is not one of the 10 fundamental duties of an Indian citizen? (a) Safeguard public property. (b) Preserve the rich hf\ritage of the nation's composite culture. PREVIOUS PAPER (ALLAHABAD BANK) 13 (e) Protect the natural environment and 123. Who amongst the following is not the have compassion for living creatures. (d) Ensure that each child of school going age gets basic education. (e) Cherish the noble ideals of the freedom struggle winner ofPadrna Vibhushan given away in 2008? (a) N.R. Narayana Murthy (b) Asha Bhosle (e) Sachin Tendulkar (d) Pranab MukheIjee (e) Shah Rukh Khan 117. Who amongst the following has written . the book "The City of Joy" ? (a) Dominique Lapierre (b) Guentar Grass (e) Ingram Smith (d) V. Harrison (e) None of these 124. Raila Odinga is the Prime Minister of (a) Uganda (e) Chad Kenya (d) Zambia (b) (e) Tanzania 118. Naiyer Masud whose name was in news 125. Silvio Berlusconi won the recently held recently is it. famous (a) Politician (b) Social worker (e) Author (d) Cine artist (e) Journalist 119. India recently decided to go ahead with its prescheduled Joint Military Exercise with which of the following countries despite its difference over boundary line? (a) Bhutan (b) China (e) Nepal (d) Pakistan (e) Bangladesh 120. R.K. Karanjia who died recently was the editor of (a) Indian Express (b) Blitz (e) Mumbai Mirror (d) National Herald (e) None of these .general elections to become Prime Minister of (a) France (b) Germany (e) Italy (d), Canada (e) Russia 121. India's first Defence university is set up In (a) Uttar Pradesh (e) Punjab (b) (d) Madhya Pradesh Delhi Haryana 122. The Supreme Court ofIndia has upheld the Government's decision to provide reservation to Other Backward Class candidates in central educational institutes. How much reservation they will get '1 (a) 1:1% (b) 15% (e) (C} 2(;: {:, (e) 33'.. td) 27% 126. Which of the following publications won the six Pulitzer prizes in various categories ? (a) New York Times (b) Times ofIndia (e) Washington Post (d) Morning Star (e) None of these 127. Who amongst the following Indians has featured in the list of "World's 100 most influential Women", selected by the "Time" Magazine? (a) SaniaMirza (b) Jaya Bachchan (e) SushmaSwaraj (d) Pratibha Patil (e) Sonia Gandhi 128. Who amongst the following has written the book "Sandy Storms" ? (a) Harbhajan Singh (b) Sachln Tendulkar (e) Rahll! Dravid (d) KaiJfi Deve (e) Sandeep PatH 14 129. India's Polar Satellite Launch Vehicle (PSLV) was in news recently as it has taken over many satellites with it for launching. How many satellites it took for launching in one go ? (a) 6 (b) 7 (e) 8 (d) 10 (e) None of these 130. Which of the following countries had launched "Amos-3" satellite? (a) Japan (b) China (e) Canada (d) Israel (e) India 131. Gagan Narang whose name was in news recently is a famous (a) Motor Car Hacer (b) Cricketer (e) Footballer (d) Badminton Player (e) Air Rifle Shooter PREVIOUS PAPER (AL.L.AHABAD BANK) 135. Which of the following tenns is associated with the game of 'Golf' ? (a) Revoke (b) Scratch (e) Bogey (d) Mallet (e) Volley 136. "Vachaspati Puraskars" are given by the (a) Madhya Pradesh Government (b) Uttar Pradesh Hindi Akademy (c) Birla Foundation (d) Bharatiya Vidya Bhawan Foundation (e) None of these 137. Who amongst the following was selected for award of the "NASSCOM's Global Leadership Award 2008"? (a) Ratan Tata (b) L.N. Mittal (e) Kumar Mangalam Birla (d) Mukesh Ambain (e) None of these 132. Which of the following teams won the Vijay Hazare Cricket Trophy 2008 ? Ca) West Bangal (b) Saurashtra (e) Maharashtra (d) Uttar pradesh (e) None of these 138. Which of the following films was given the award of 'the Best Motion Picture of the Year' by Oscar Foundation? (a) There will be Blood (b) No country for Old Men (e) Elizabeth: The Golden Age (d) Peter and the Wolf (e) None of these 133. Who amongst the following registered her victory in the Bausch and Lomb Championship tennis title 2008 ? (a) Maria Sharapova (b) Dominika Cibulkova (e) Serena Williams Cd) Vera Zvonareva (e) None of these 139. Who amongst the following directed the award wining film "Taare Zameen Par"? Ca) Madhur Bhandarkar (b) Sanjay Leela Bhansali (e) Ajay Devgan (d) Mahesh Bhatt (e) Aamir Khan 134. The Test cricket match in which Rahul Dravid completed his ten thousand runs was played against (b) South Africa (a) Pakistan (d) England (e) Australia (e) New Zealand 140. Which of the following countries has offered its help to India in its project of developing and production of "Kaveri Aircraft Engine" ? (b) France (a) USA (d) Japan (e) Russia (e) China PREVIOUS PAPER (ALLAHABAD BANK) 141. Which of the following is true about Cuba, who has got a new Presidenta few months back? (A) Before becoming President Raul Castro was the Vice President of the country. (B) The earlier President was a man of liberal thinking and was successful in implementing the VS model of economy in Cuba. (C) Present President had a good support from Russia and other such nations. (a) Only A (b) OnlyB (e) Only C (d) All A, B, and C (e) None of these 142. Which of the following statement(s) isl are correct about the current political situation in Pakistan? (A) Parliamentary elections took place in February 2008 in Pakistan. (B) The result ofthe elections held could not be declared as the Pakistan is under State emergency. (C) Musharraf 's friendly parties and leaders lost their seats in the elections. (b) OnlyB (a) Only A (e) A and Conly (d) Both A and B only (e) None of these 143. Which of the following statement(s) isl are correct about the Delimitation Activities in India? (It was in news recently) (A) V nder Article 82 of the Constitution, the Parliament should enact a Delimitation Act after every census. (B) In India Deliillitation Commission was constituted for the first time in 2002. (C) Delimitation Commission in India is a highpower body whose orders have the force of law. (b) OnlyB (a) Only A (d) A and Conly (c) Only C (e) None of these 15 144. Which of the following statement(s) isl are not true about the Judicial system in India? (A) The President ofIndia is the apex and final court of the judicial system in India. (B) The Supreme Court has the powers to prescrible the number ofjudges in a court. (C) Presently there are 21 high courts in India. (a) Only A (b) OnlyB (d) OnlyC (e) A and B only (e) All of these 145. Who amongst the following was the Chairman of the Second Administrative Reforms Commission who submitted its report to the Government a few months back? (q) Veerappa Moily (b) NatwarSingh (e) C.B. Bhave (d) M.S. Gill (e) None of these 146. As per the figures released recently, what was the volume of the exports from Agriculture Export Zones upto February 2008? About (a) Rs. 10,000 crores (b) Rs. 15,000 crores (e) Rs 20,000 crores (d) Rs. 25,000 crores (el Rs. 30,000 crores 147. As per the figures released recently what had been the actual rate of the growth of Agricultural sector during 2007 -08 ? (a) 2% (e) 3% (b) 2.6% (d) 4.5% (e) 5.3% 148. As per the reports published in the newspapers the actual growth ofIndian economy during 2007-08 had been to the tune of (a) 6% (b) 7% (e) 8% (d) 9% (e) 10% 16 PREVIOUS PAPER (ALLAHABAD BANK) 149. Which of the following organizations got 154. Many times we read in financial the status of "Navratna" in May 2008 '? (a) Rural EleCtrification Corporation (REC) Ltd. (b) Power Grid Corporation ofIndia Ltd. (e) National Thennal Power Corporation ofIndia (d) Tourist Corporation of India Ltd. (e) None of these newspapers/magazines about "Share Swap" done by big corporates. What is "Share Swap" ? (A) A business takeover in whkh acquidng company uses its own to pay fO!' the acquired company. (B) When a company uses its own shares to get some short term loan for working capital requirement, it is known as Share Swap. (C) When companies are required to float a new issue to earn capital for their expansion programmes, each shareholder gets some addition preferential shares. The proce the allotment of preferential share is known as Share Swap. (a) Only A (b) Only B (e) Only A and B (d) Only C (e) None of these 150. As per the reports published in the newspapers, the Reserve Bank of India recently raised the borrowing limit of oil companies from present 15% to (Ct) 20% (b) 25% (e) 30% (d) 35% (e) None of these 151. Which of the following companies! commissions ofIndian Origin has signed a pact for obtaining oil blocks in Libya? (a) Reliance petroleum (b) Oil lndan Ltd. (e) Oil and Natural Gas Corporation (d) Bharat Petroleum Corporation Ltd. (e) None of these 152. Which of the following companies of Indian origin has become the first Indian origin has become the first Indian Company to launch financial services to retail investors in China? (a) Bajaj Finance (b) SBI Capital Markets (e) Reliance Anil Dhirubhai Ambani Group (d) GE Countrywide (e) None of these 153. Tata Motors has signed a long term partnership agreement with which of the following auto companies '1 (a) Ford Motor Company (b) Honda Motor Company (e) Toyota Motor Corporation (d) Maruti Suzuki (e) None of these 155. On the basis of the study done by the Government ofIndia, various states were divided into two groups "Low Poverty States", "High Poverty States". Which of the following is not a low poverty state '1 (a) Andhra Pradesh (b) Orissa (d) Karnataka (e) Gujarat (e) Kerala 156. Who amongst the following is the Chainnan ofthe panel set up for achieving Financial Inclusion in India '1 (a) v.A. Joseph (b) BimalJalan (c) C. Rangarajan (d) C.S. Rao (e) None of these 157. As reported in the major financial newspapers the Federal Reserve has made certain changes/corrections in its base federal funds rates. This act of the Federal Reserve will bring an effect directly and immediately on the banks located in (b) USA (a) Russia (<1) China (e) Japan (e) France PREVIOUS PAPER (ALLAHABAD BANK) 158. Which o f the following stock exchanges has decided to pick up 5% stake in Multi Commodity Exchange ofIndia ? (a) New York Stock Exchange (bJ London Stock Exchange (c) Tokyo Stock Exchange .! (d) Beijing Stock Exchange ,(e) None of these 159. Which of the following countries has the largest cheques truncation facility in Asia? (a) China (6) India (c) Sri Lanka (d) Myanmar (e) None of these 160. Which ofthe following is the same of the asset reconstruction company created by various banks in India? (a) AMFI (b) ARCIL (c) SEBI (d) HCR (e) None of these 161. As we all k now Government of India is very keen to provide banking services to Agriculture and Rural sectors. The panel set up for the same has suggested to open how many branches by each commercial bank to bring all 5.5 crore poors in the service net ? (b) 150 (e) 250 (a) 100 (e) None of these (d) 800 162. India does not have a single branch/office of anyone of its banks in which of the following countries ? (a) United Kingdom (b) Russia (d) Nepal (e) USA (ei Switzerland 163. Which of the following statement(s) is/are true about the Union Budget 2008-09 ? (A) ;..To change in Corporate Income tax rates. (El Short Term Capital gain tax increase to 25%. (C) Banking Cash transaction tax withdrawn w.e.f. 1st April 2009. la) Only A (6) Only B (d) A & Conly iC! A & B only ie.l None of these 17 16'!. Very often we read in various newspapers about the activities of the Money Market. Wbat are the main activities ofthe Money Market? (A) It provides short term funds to the Government and public sector organisations. (B) Businessman and others get short term funds to meet their day-to-day needs of the working capital. (C) Money market is nothing but another name of the forex market. Only foreign currencies are purchased and sold there. Ca) Only A (b) Only B (e) OnlyC (d) (e) A& B only None of these 165. As we read in financial newspapers and economicjournals/magazines in financial sector a time comes when the banks cannot lend money; in fact they start recalling their old loans and also raise the rate of interest. What message does it give to the business community? (A) This creates an atmosphere where corporates impatiently start reducing their inventory holdings and cancel the unexecuted orders pending with the manufacturers. (B) Manufacturers start curtailing their scale of operations and start turning workers out of employment. (C) Workers also start curtailing their spending and the demand of the commodities goods/services get reduced as people buy less. (a) Only A (b) (e) (d) (e) Only B Only C A& Conly All A, B & C 18 PREVIOUS PAPER (ALLAHABAD BANK) 166. Many times we read in financial newspapent'magazines that Government is making special efforts to bring stability in Indian economy. By this what goals Government ofIndia is trying to acheive ? (A) Avoiding undesirable fluctuations in prices of the essential commodities. (B) To ensure a sustainable rapid rate of growth. (C) To ensure that people should have a gainful employment. (a) Only A (b) Only B (e) Only C (d) All A, B & C (e) None of these 167. Many times we read in financial newspapers/magazines and journals that Government is making efforts to inculcate habit of saving amongst the people. What is the correct definition of "saving" ? (A) This is the difference betwee,n the total income of an individual after deduction of all taxes and dues levied by the Government authorities. (D) This is the difference between aggregate income and aggregate consumption by an individual. (C) This is the amount which every individual has to keep in hislher bank account as the minimum balance. (a) Only A (b) OnlyB (e) Only C Cd) BothA& C (e) None of these 168. Many times we read in newspapers about Micro Finance. Today Micro Finance is the most preferred route to meet the credit requirements of which of the following sections of the society? (a) High value individual customers. (b) Big Corporate Houses. (e) Industrial units up to the investment of Rs. 50 crores. Cd) Poor and weaker sections of society. N one of these 169. Every time RBI reviews its monetary and credit policy or makes certain corrections! adjustments in it, banks also normally revise their interest rates either upwardly or downwards. What impact doe;:; the interest rates put on overall economy if they are reduced little bit? (A) It will bring down the interence burden of the corporates. (B) The cost of the capital is reduced. (C) It will stimulate industrial growth and investment. (b) Only B (a) Only A (e) Only C (d) OnlyA&B (e) All A, B & C 170. Many times we read about the "Prime Lending Rate" charged by the banks. What is the meaning of Prime Lending Rate? (A) The rate at which hanks normally f,rive loan to their most favoured customers. (B) The rate at which banks get money from the RBI. (C) The rate which is paid normally by the banks on their fixed deposits kept with them for a period of five years or above. (b) Only B (a) Only A (d) All A, B & C (c) Only C (e) None of these 171. As we know bank" these days have launched many new services other than banking. Which of the following is/are new services being offered by the banks these days? (A) Bill payment services for utility services. (D) Bauk assurance. (C) Franking of stamp papers for various agreements. (I OnlyB Ca) OnlyA (d) Only A, B & C (c) Only C (e) None of these 19 PREVIOUS PAPER (ALLAHABAD BANK) 172. Banks in the recent past have started many new delivery channels to make banking convenient for the customers. Which of the following is not a delivery channel adopted! developed by the banks? (a) Automated Teller Machines (ATMs) (b) Tele Banking (e) Internet Banking (d) Any branch Banking (e) Operational Banking (B) Because of erratic po\ver supply the production has gone down substantially. Companies are planning to shift their plants to other locations. (C). Due to recent improvement in educational facilities there, trained and skilled labourers are not available. (a) Only A (b) Only B (e) Only C (d) Both A & B (e) None of these 173. As we all know banking is going through rapid changes world wide and India is also not an exception. Which of the following is/are the major phenomena which hasl have prompted changes in scenario of Indian Banking? (A) Financial Sector Reforms ill) Globalisation eC) Government's move for financial inclusion. (b) OnlyB (a) Only A (e) OnlyC (d) Only A, B & C 175. Some developed countries have suggested that in WTO negotiations process of determining "Special Products" (SPs) should be made more transparent. In VV'TO terminology what are these special products? (a) The products which developing countries are allowed to shield from formula tariff cuts. (b) The products, which are normally imported by the developing countries. (e) Special products are those products which ar highly perishable and cannot be preserved for a longer period. (fish, meat, milk, etc.) (d) Products which are enjoying maximum subsidy by developed countries. Developing countries are not allowed to do that. (e) None of these (e) All A, B & C 174. As per the reports published in the newspapers some cement companies based in North-East States have decided to curtail their p'roduction. Which of the following islare the reasons for the same? CA) Government of India has decided to curtail benefits of excise exemption to cement manufacutres in these areas. REASONING Directions (176-180): (i) 'P x Q' means'Q' is mother of 'P'. (ii) 'P - Q' means 'P' is brother of 'Q'. (iii) 'P + Q' means 'P' is father of'Q'. (iv) 'P -i- Q' means 'Q' is sister of'P'. 176. Which of the following means M is daughter ofK? (a) K + R -i- M (b) K -i- M + R (d) K-RxM (e) Kx R M (e) None of these 177. Which of the following statements is redundant to answer the above question '? (a) Both (i) and (ii) . (b) (i) only (e) (ii) only (d) Either (i) or (iii) and (ii) (e) None of these 178. In a certain code language 'POETRY' i" written as 'QONDSQX' and 'OVER' is written as '!'NlJDQ'. How is 'MORE' written in that code '? (b) NLPQD (a) NNNQD (d) LNNQD (e) NLNQD (e) None of these 20 PREVIOUS PAPER (ALLAHABAD BANK) 179. If w:ater is called air is called green, f,'Teen is called brown, brown is called steel, steel is called red, red is called rain, rain is called tree and tree is called road, what is the colour of human blood? (a) Red (b) Water (c) Road Cd) Tree (e) Rain 185. Ifthe positions of the last twelve elements in the above arrangement are reversed, whIch of the following will be the eighth to the right ofthe eleventh from the left ? (a) II (b) I (c) fH (d) 9 (e) None of these 180. In a certain code language 'MOTHERS' is written as 'OMVGGPU'. How is '12ROUGHT' written in that code? (al CPRTIEV (b) DPQSIFV Ie) DPRTIDV (d) DPQTIFV (e) None of these Directions (Q.186-190): Sludy the following information carefully and answer the questions given below: p, Q R, S, T, V and Ware seven friends who left for seven different destinations--Delhi, Chennai, Hyderabad, Bangalore, Kolkata, Chandigarh and Jaipur-each one on a different day of the week. R left for Jaipur on Monday. On the last day of the week the person left for Bangalore. T left the next day of P, who left for Chandigarh and on the previous day ofW S left for Kolkata on Friday. Q did not leave for either IIyderabad or Bangalore and W left for Delhi. 186. On which day of the week did Q leave? (a) Sunday " (b) Saturday (e) Wednesday (d) Data inadequate (e) None of these Directions (181-185) : Study the (ollowing arrangement carefully and answer the questions given below: Pl%TRA5#DM7K EG28$II3I4V U6FfH9Z * 181. How many such symbols are there in the above arrangement, each of which is immediately preceded by a consonant and also immediately followed by a consonant? (a) None (6) One (c) Two (d) Three (e) More than three 182. Four of the following five are alike in a certain way based on their position in the above arrangement. ""bich is the one that does not belong to that group? (a) VIF (b) EKB (c) R%# Cd) 6V9 Ie) $G3 183. How many such Y2WJ;ls are there in the above arrangement, each of which is immediately preceded by a digit and immediately followed by a consonant? (a) None (b) One (e) lwo (d) Three (e) More than three 184. Which of the following is exactly in the . middle between the fifth from the left end and the seventh from the right end? (a) G (e) E (e) None ofthese (b) 2 Cd) * 187. Who left for Bangalore ? Ca) T (b) P ,(e) V (d) Data inadequate (e) None of these 188. On which day of the week did T leave? (al luesday (b) Thursday (e) Sunday (d) Wednesday (e) None of these 189. Which of the following combinations of person-place is not correct? (a) R-Jaipur (b) P-Chandigarh Ie) T-IIyderabad (d) V-Bangalore (e) All of these PREVIOUS PAPER (ALLAHABAD BANK) 21 190. Who left on Tuesday? (a) P (b) W (c) Q (d) V (e) None of these 192. At which station do C and F get in ? Ca) Station I (b) Station II (c) Station III Directions (Q. 191-195) : Study the following information carefully and answer the questions given below: A, B. C, D, E, F and G are seven persons who travel to office everyday by a particular train which stops at five stations I, II. III, IV and V respectively after it leaves base station. (i) Three among them get in the train at the base station. (ii) D gets down at the next station at which F gets dow;"'. (iii) B does not get down either with A or E. (iv) G alone gets in at station III and gets down with C after having passed one station. (v) A travels between only two stations and gets down at station V. (vi) None of them gets in at station II. (vii) C gets in with F but does not get in with either B or D. (viii) E gets in with two others and gets down alone after D. (ix) Band D work in the same office and they get down together at station III. (x) None ofthem gets down at station I. (d) Data inadequate (e) None of these 193. At which of the following stations do Band D get in? (al Station I (b) Base station (c) Station III (d) Data inadequate (e) None of these 194. After how many stations docs E get down? (alOne (b) Two (c) Three (d) Four (e) Five 195. E gets down after how many stations at which F gets down? (a) Next station (b) Two tc) Three (d) Four 191. At which station does E get down? (aj Station II (b) Station III (c) Station IV (d) Data inadequate (e) None of these (e) None of these Directions (Q. 196-200) : Each of the following series consists of seven figures, two of which at the ends are unnumbered. One of the five numbered figures does not fit into the series. Find out the f~gure. 196, I I l 5 I~ s (J 1= b I: c c ~s d c f::, x .... t * e S {f C 0 f::. x 0 t ~ XI S Cj 22 197. PREVIOUS PAPER (ALLAHABAD BANK) ',....... T T Cl {I .j} {I- "V Q 0 ~I V t "V Cl 'V T t T a 198. Or' ~ If c h 1:2.. ~ I v 1 0. I ~~ b c ~ ~ ~ _.LL.eJ I i] I tz1 I 0 I UJ ,l c 200. (l r b I' 1I e d III T c ~ c [l2T I IJ] I ~I Q T :I: t d ~ b (i 199. ~ ~1: T_JI~_ '" ~ d ~ e (

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