IBPS Clerk – IBPS Clerk 2014

Choose the best word that fits in the meaning of the sentences to make grammatical coherent.

I. Governments in `these countries should create education systems since"¦"¦"¦"¦good schools the bulk of people entering the work force will not have the skills they need. <br> <br> II. We cannot process colour, details of rapid changes in our surroundings "¦"¦"¦. the cone shaped cells packed around the centre of the retina.

Explanation: Here, lack, missing and without mean the same thing. <br> However, only 'without' correctly fits into the context and is grammatically correct. <br>The sentence would read as: <br> I. Governments in `these countries should create education systems since without good schools the bulk of people entering the workforce will not have the skills they need. <br> II. We cannot process colour, details of rapid changes in our surroundings without the cone shaped cells packed around the centre of the retina. <br> Option D is correct option.

Choose the best word that fits in the meaning of the sentences to make grammatical coherent.

I. Japan is investing in strengthening bonds with ASEAN countries and Japanese countries recently won a $ 370 million contract to start "¦"¦"¦"¦ a new underground railway system in Jakarta. <br><br> II. The cost of "¦"¦. space vehicles is high no doubt, but the costs of complying with legal and regulatory paperwork and rules is huge too.

Explanation: Here construction, manufacture and building have same context. <br> But only 'building' can be used as it gives the sentences gramatical coherency. <br> THe statementb would read as: <br> I. Japan is investing in strengthening bonds with ASEAN countries and Japanese countries recently won a $ 370 million contract to start building a new underground railway system in Jakarta. <br> II. The cost of building space vehicles is high no doubt, but the costs of complying with legal and regulatory paperwork and rules is huge too. <br> Option E is correct option.

Choose the best word that fits in the meaning of the sentences to make grammatical coherent.

I. A troubled student and his PhD guide "¦"¦"¦. a way for websites to reduce the incidence of spam which troubled internet users in the 2000s. <br><br> II. One of the biggest drawback of concrete is that it often develop cracks and scientists have now "¦"¦"¦. self-healing concrete.

Explanation: Here devised, develop and invent mean same thing. <br> However, usage of 'devised' is most appropriate. <br> The gramatically correct sentences would read as: <br> I. A troubled student and his PhD guide devised a way for websites to reduce the incidence of spam which troubled internet users in the 2000s. <br> II. One of the biggest drawback of concrete is that it often develop cracks and scientists have now devised self-healing concrete. Option B is correct.

Choose the best word that fits in the meaning of the sentences to make grammatical coherent.

I. Politicians have promised to "¦"¦ the goal of eradicating extreme poverty many times but have failed because they cannot agree about what exactly counts as poverty and how exactly to measure it. <br><br> II. Reserve Bank hoped that a cut in its benchmark rate will "¦"¦ a reduction in inflation and improve confidence in the economy.

Explanation: In the context of given statements 'achieve' is most gramatically appropriate. Achieve means to beget usually an objective, goal or an aim. <br> The sentences would read as: <br> I. Politicians have promised to achieve the goal of eradicating extreme poverty many times but have failed because they cannot agree about what exactly counts as poverty and how exactly to measure it. <br> II. Reserve Bank hoped that a cut in its benchmark rate will achieve a reduction in inflation and improve confidence in the economy. Option A is correct.

Choose the best word that fits in the meaning of the sentences to make grammatical coherent.

I. According to some exports, subsidising crop insurance to a large extent may be bad for the environment since farmers may take "¦"¦"¦ such as farming on food plains or sleep hills. <br><br> II. In the 1990s, Germany was known as the 'sick man of Europe' and had high unemployment but its success today is on account of the huge "¦"¦.. it took in reforming the labour market.

Explanation: Risk is most appropriate and suitable in the given context of the sentence. <br> The gramatically correct sentences would read as: <br> According to some exports, subsidising crop insurance to a large extent may be bad for the environment since farmers may take risks such as farming on food plains or sleep hills. <br> I. In the 1990s, Germany was known as the 'sick man of Europe' and had high unemployment but its success today is on account of the huge risks it took in reforming the labour market. <br> Option D is correct option.

Arrange the following five sentences A, B, C, D and E in the proper sequence to form a meaningful paragraph, then answer the given questions: <br> A. If you are transitioning from products to services or vice-versa, you have to know and understand these differences to effectively promote and sell. <br> B. For example, a product is tangible, which means the customer can touch and see the product before deciding to make a purchase and a service is intangible. <br> C. Understanding the different changes in product and service marketing can help you establish the right approach for this transition. <br> D. Unless you understand the basic difference of tangibility, it will be a challenge to promote and sell your product. <br> E. Companies that are marketing a product face different challenges compared to those that are promoting a service.

Which of the following should be the FIFTH (LAST) sentence after the rearrangement?

Explanation: The sentences can be arranged in the following way to make a meaningful paragraph: <br> (The index number has been left unchanged for ease of understanding.) <br> E. Companies that are marketing a product face different challenges compared to those that are promoting a service. (This will form firsrt statement as it introduces a theme of differences in product and services marketing.) <br> A. If you are transitioning from products to services or vice-versa, you have to know and understand these differences to effectively promote and sell. (This will form second statement as the premise is further elaborated here.) <br> C. Understanding the different changes in product and service marketing can help you establish the right approach for this transition. (This would form as thirtd sentence. This sentence talks about the transitions whose premise has been set up in the last sentences.) <br> B. For example, a product is tangible, which means the customer can touch and see the product before deciding to make a purchase and a service is intangible.(This sentence elaborates by giving an example.) <br> D. Unless you understand the basic difference of tangibility, it will be a challenge to promote and sell your product. (This would form the last statement as it expounds on the 'tangibility' concept introduced in the previous sentence.) <br> D forms the last sentence.

Arrange the following five sentences A, B, C, D and E in the proper sequence to form a meaningful paragraph, then answer the given questions: <br> A. If you are transitioning from products to services or vice-versa, you have to know and understand these differences to effectively promote and sell. <br> B. For example, a product is tangible, which means the customer can touch and see the product before deciding to make a purchase and a service is intangible. <br> C. Understanding the different changes in product and service marketing can help you establish the right approach for this transition. <br> D. Unless you understand the basic difference of tangibility, it will be a challenge to promote and sell your product. <br> E. Companies that are marketing a product face different challenges compared to those that are promoting a service.

Which of the following should be the FIRST sentence after the rearrangement?

Arrange the following five sentences A, B, C, D and E in the proper sequence to form a meaningful paragraph, then answer the given questions: <br> A. If you are transitioning from products to services or vice-versa, you have to know and understand these differences to effectively promote and sell. <br> B. For example, a product is tangible, which means the customer can touch and see the product before deciding to make a purchase and a service is intangible. <br> C. Understanding the different changes in product and service marketing can help you establish the right approach for this transition. <br> D. Unless you understand the basic difference of tangibility, it will be a challenge to promote and sell your product. <br> E. Companies that are marketing a product face different challenges compared to those that are promoting a service.

Which of the following should be the SECOND sentence after the rearrangement?

Arrange the following five sentences A, B, C, D and E in the proper sequence to form a meaningful paragraph, then answer the given questions: <br> A. If you are transitioning from products to services or vice-versa, you have to know and understand these differences to effectively promote and sell. <br> B. For example, a product is tangible, which means the customer can touch and see the product before deciding to make a purchase and a service is intangible. <br> C. Understanding the different changes in product and service marketing can help you establish the right approach for this transition. <br> D. Unless you understand the basic difference of tangibility, it will be a challenge to promote and sell your product. <br> E. Companies that are marketing a product face different challenges compared to those that are promoting a service.

Which of the following should be the THIRD sentence after the rearrangement?

Arrange the following five sentences A, B, C, D and E in the proper sequence to form a meaningful paragraph, then answer the given questions: <br> A. If you are transitioning from products to services or vice-versa, you have to know and understand these differences to effectively promote and sell. <br> B. For example, a product is tangible, which means the customer can touch and see the product before deciding to make a purchase and a service is intangible. <br> C. Understanding the different changes in product and service marketing can help you establish the right approach for this transition. <br> D. Unless you understand the basic difference of tangibility, it will be a challenge to promote and sell your product. <br> E. Companies that are marketing a product face different challenges compared to those that are promoting a service.

Which of the following should be the FOURTH sentence after the rearrangement?

Which of the phrase given against the sentence should replace the word/phrase given in bold in sentence to make it grammatically correct? If the sentence is given as it is given and no correction is required, mark 'No correction required' as the answer.

In order to look taller, we should use pencil heels instead block heels.

Explanation: Here, the usage of phrase is incorrect. <br>The preposition 'of' is missing. <br> The gramatically correct usage would be: <br> In order to look taller, we should use pencil heels instead of block heels.

Which of the phrase given against the sentence should replace the word/phrase given in bold in sentence to make it grammatically correct? If the sentence is given as it is given and no correction is required, mark 'No correction required' as the answer.

This move is expected for mitigate the effects of a depleting water by making use of surface or canal water.

Explanation: The usage of phrase is gramatically incorrect. The correct usage would be 'expected to'. The sentence would read as: This move is expected to mitigate the effects of a depleting water by making use of surface or canal water.

Which of the phrase given against the sentence should replace the word/phrase given in bold in sentence to make it grammatically correct? If the sentence is given as it is given and no correction is required, mark 'No correction required' as the answer.

Do you know that dressing properly for an interview can earns you those brownie extra points which will help you get that dream job?

Explanation: Here, the singular form of the verb 'earn' has been incorrectly used instead of pulral. <br>Hence, the correcty usage would be 'can earn'. <br> The gramatically correct sentence would read as: <br> Do you know that dressing properly for an interview can earn you those brownie extra points which will help you get that dream job?

Which of the phrase given against the sentence should replace the word/phrase given in bold in sentence to make it grammatically correct? If the sentence is given as it is given and no correction is required, mark 'No correction required' as the answer.

The craze for private lands has caught the fancy of the city's residents.

Explanation: The sentence is gramatically correct with no wrong usage of highlighted phrase. <br>No correction is required.

Which of the phrase given against the sentence should replace the word/phrase given in bold in sentence to make it grammatically correct? If the sentence is given as it is given and no correction is required, mark 'No correction required' as the answer.

The trend of wearing boots in something that has most sure come around this season.

Explanation: Here, the correct usage would be to use the adverb form of the verb 'sure'. <br>The gramatically correct sentence would read as: <br> The trend of wearing boots in something that has most surely come around this season.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

What does the author want to convey when he says, "When you look further upstream, it becomes clear that the goal is ill advised."?

Explanation: Here, by looking upstream author wants to say that when we see or analyse our goal in a more profound way, it becomes clear that goal is not at all what it seemed like when we started with. Hence, the option A is correct.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

Which of the following is/are true in the context of the passage? <br> A. Many a time, although we are motivated at the start, we fail to keep up the motivation while working towards the goal. <br> B. We can learn to use our mind as a motivational tool. <br> C. Being guided by intellect is very bad.

Explanation: Author says in the first paragraph that many a times even if we are motivated to act, we fail to act because the motivation doesn't last it's transition from thought to actions.<br> Also, in later paragraphs of the passage, he does say that mind can be used as tool to keep up the motiovation. <br> Intellect helps us to keep us motivated. <br> Statement A and B are correct.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

According to the passage, the key to motivation is <br> A. setting challenging goals. <br> B. not letting our fears pull us back. <br> C. changing our goals periodically.

Explanation: As author outlines in the passage, the key staying motivated is setting challenging goals which make you get out of the comfort zone. <br> Also, the passage does outline the need to not letting fear demotivate us in our quest for achieving the set goal. Both the statement A and B are correct in the context of passage. <br> Option A is correct.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

Which of the following is most nearly the same in meaning to the word 'timid' as used in the passage?

Explanation: 'Scared' has same connotation as 'timid' used in the passage. The passage implies that you should not be too scared (timid) to aspire for higher goals. Option B is correct.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

Which of the following is/are not true about the context of the passage? <br> A. Although a goal may look intellectual, it may not actually work for us. <br> B. Our subconscious mind will not motivate us unless we face our fears. <br> C. The only way to keep yourself motivated throughout is by listening to many motivational speakers.

Explanation: As author outlines, reading motivational books and listening to motivational speaker offers but temporary motivation. <br>Listening to a lot of motivational speaker may be temporarily effective but is not effective over long term. <br> Statement C is wrong in the context of the passage.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

According to the passage, the author found it difficult to be motivated because A. he was not intellectually motivated. <br> B. he wanted to take the easy way out<br> C. he did not push himself hard enough

Explanation: As author says, he was temporarily motivated but when it came to acting, his motivation fizzled out. He further says that lack of intellectual motivation was main reason he couldn't act. Hence, only statement A is correct in the context of the passage.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

Which of the following is most nearly the same in meaning to the word congruently as used in the passage?

Explanation: Here, congruently means 'in agreement with'. Author says that when we act congruently i.e in agreement with our inner voice, we feel motivated and positive. Option E is correct answer.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

What does the author mean when he says, "It eventually phases out."?

Explanation: When author says that motivation 'eventually phases out', he means to say that it ceases to exist after a period of time has passed. Here 'phases out' is used in context of 'stop operating'. Option D is the correct option.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

Which of the following can be an appropriate title for the passage?

Explanation: The main crux of the passage is in feeling motivated to feel superior to our former self. <br>'Feel motivated - Feel superior' is the most appropriate title for the passage. <br> Option E is correct.

Read the following passage carefully and answer the questions given. <br><br> Do you ever feel there's is a greater being inside of you bursting to get out? It is the voice that encourages you to really make something of your life. When you act congruently with that voice, it's like your are a whole new person. You are bold and courageous. You are strong. You are unstoppable. But, then reality sets in, and soon those moments are history. It is not hard to put youself temporarily into an emotionally motivated state. Just listen to that motivational song for that matter. However, this motivation does not stay forever. Your great ideas seem impractical. How many times have you been temporarily inspired with a idea like, "I want to start my own business." And then a week later it's forgotten? You come up with inspiring ideas when you are motivated. But you fail to maintain that motivation through the action phase. <br><br> The problem we ask ourselves is, why does this happen? You can listen to hundereds of motivational speakers and experience an emotional yo-yo effect, but it does not fast. The problem is that as we are intellectually guided, we try to find logic in emotional motivation and as we fail to find logic <strong>eventually phases out<trong>. I used to get frustrated when my emotional motivation fizzled out after a while. Eventually, I realised that being guided by intellect, was not such a bad thing after all. I just had to learn to use my mind as an effective motivational tool. I figured that if I was not feeling motivated to go after a particular goal, may be there was a logical reason for it. I noted that when I had strong intellectual reasons for doing something. I usually did not have trouble taking action. <br><br> But when my mind thinks a goal is wrong on some level. I usually feel blocked. I eventually realised that this was my mind's way of telling me the goal was a mistake to begin with. Sometimes a goal seem to make sense on one level but when you look further upstream, it becomes clear that the goal is ill advised. Suppose you work in sales, and you get a goal to increase your income by 20% by becoming a more effective salesperson. That seems like a reasonable and intelligent goal. But may be you are surprised to find yourself encountering all sorts of internal blocks when you try to pursue it. You should feel motivated, but you just don't. The problem may be that on a deeper level your mind knows you don't want to be working in sales at all. You really want to be a musician. Matter how hard you push yourself in sales career, it will always be a motivational dead end. <br><br> Further when you set goals, that are too small and too <strong>timid</strong>, you suffer a perpetual lack of motivation. You just need to summon the courage to acknowledge your true desires. Then you will have to deal with the self-doubt and fear that's been making you think too small. Ironically, the real key to motivation is to set the goals that scare you. You are letting fears, excuses and limiting beliefs hold you back. Your subconscious mind knows you are strong, so it won't provide any motivational fuel until. You step up, face your fears, and acknowledge your hearts desire. Once you finally decide to face your tears and drop the excuses, then you will find your motivation turning on full blast.

According to the passage, what does the author say about emotional motivation? <br> A. It tends to be temporary<br> B. It promises our negativity<br> C. It has the potential to inspire us.

Explanation: Author says that emotional motivation fizzles out after some time. <br>It means that it is very temporary in nature. <br> Only statement A is correct. Option C is correct.

Read the following sentences to find out whether there is any grammatical mistakes/error to it. The error, if any will be in one part of the sentence. Mark the part with the error as you answer. If there is no error, mark 'No error' as your answer. (Ignore the errors of punctuation, if any)

More than scoring points for/choosing the colour, the actress creating a fluffed/with the mini cape that she wore/to match her dress.

Explanation: In the part B of the statements, past progressive tense has been incorrectly used instead of simple past tense. Part B is wrong. The corrected statement would read as: <br> More than scoring points for choosing the colour, the actress created a fluff with the mini cape that she wore to match her dress.

Read the following sentences to find out whether there is any grammatical mistakes/error to it. The error, if any will be in one part of the sentence. Mark the part with the error as you answer. If there is no error, mark 'No error' as your answer. (Ignore the errors of punctuation, if any)

Winter is/the best/season to/explored the outdoors.

Explanation: In the last part of the sentence, past tense has been wrongly used instead of present tense. <br>The correct usage would be: <br> Winter is the best season to explore the outdoors. <br> Option D is correct.

Read the following sentences to find out whether there is any grammatical mistakes/error to it. The error, if any will be in one part of the sentence. Mark the part with the error as you answer. If there is no error, mark 'No error' as your answer. (Ignore the errors of punctuation, if any)

The technology senses / how a hand shakes / and makes instant adjustments / to stay balanced.

Explanation: The sentence has no error in any of its parts. <br>It is correct in grammar as well as syntax. <br> Option E is correct.

Read the following sentences to find out whether there is any grammatical mistakes/error to it. The error, if any will be in one part of the sentence. Mark the part with the error as you answer. If there is no error, mark 'No error' as your answer. (Ignore the errors of punctuation, if any)

With the water project moving / a step closer to feasibility, / city residents can soon / expect for sufficient water supply.

Explanation: There is no need of preposition 'for' in the last part of the sentence. It's use is redundant. <br>The correct statement would read as: <br> With the water project moving a step closer to feasibility, city residents can soon expect sufficient water supply.

Read the following sentences to find out whether there is any grammatical mistakes/error to it. The error, if any will be in one part of the sentence. Mark the part with the error as you answer. If there is no error, mark 'No error' as your answer. (Ignore the errors of punctuation, if any)

We are in the final stages/ of resolve the issue / which has been pending / for over two years.

Explanation: The error is in second part of the sentence. <br>The correct statement would read as: <br> We are in the final stages of resolving the issue which has been pending for over two years. <br> Option B is the correct answer.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: The correct usage would be 'tiny'. The phrase usage in English is 'tiny' fraction. Hence, the correct option is B.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: Here, the most appropriate usage which suits the context of the passage is 'spending'. Other words either don't make any sense or fail to be gramatically appropriate. Option E is correct.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: Here, 'total' most suits the context. The spending will 'total' $26 billion.... Hence, the correct option is E.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: The appropriate word suiting the passage would be 'lower'. ....would lower barrier... Option C is the correct option.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: Lease, hire are not in context of the sentence. 'Rent' is the correct usage. .....newcomers which can rent..... Option A is correct.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: Here, the second part is contradiction to the first. Instead of newcomers habing to built the infrastructure, they can just rent it. 'Rather' is the only word denoting 'contradiction'. Hence, the correct option is

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: Here, the usage of correct preposition would be 'to'. .....to build their own... Option C is correct answer.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: 'Also' gramatically suits the context of the sentence. The usage of thw word 'also' here means 'in addition to'. The option E is correct.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: The correct collocation is 'cost-efficient' which means cheaper in rudimentary sense. Hence, the correct usage is 'efficient'. Option B is correct.

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

The emergence of a cloud based banking will affect banks big and small. Banks are expected to spend almost $ 180 billion on IT this year. At present, cloud based services make up a (31) fraction of this amount but some estimates (32) by financial services firms on the cloud will (33) $ 26 billion in 2015: This increase should (34) barriers to entry for newcomers which can (35) modern IT infrastructure at monthly fees of less than $ 10000 (36) having to invest tens of millions of dollars upfront (37) build their own secure data entries and it should (38) enable big banks to become much more cost of (39). Small firms without traditional computer systems to maintain are the fastest movers. (40) can type documents, run spreadsheets and read e-mails in the cloud. Keeping track of clients, payments and loans can be done on a cloud computing platform using a specially banking software.

Explanation: Here, the use of word 'employees' is most suitableto the context and eloquent. Employees can type documents.... Option E is correct answer.