New Pattern English Quiz for upcoming IBPS & Insurance Mains Exams – Set 3

Hello and welcome to exampundit. Here is a set of New Pattern English Quiz for upcoming IBPS & Insurance Mains Exams.

In each of the following
questions a short passage is given with one of the lines in the passage missing
and represented by a blank. Select the best out of the five answer choices
given, to make the passage complete and coherent.
1. …………and the proponents of
market reforms have no plans for those who do not have the resources and income
to buy even two meals a day. The signals are clear that those who cannot pay
for their food have no right to survive. These poorer sections of society are
reduced to mere victims, beneficiaries, clients and recipients. In this
dichotomous relationship, the state is seen as the ‘dole giver’ and the people
the ‘dole receiver’. It must be recognized that irrespective of market-governed
politics, people remain bound to survival, livelihood and identity issues.
(a) The governments have ceased
to govern.
(b) When the market is allowed to
govern, the government becomes powerless to effect any radical social changes.
(c) Elections have failed to make
democracy distributive and justice oriented.
(d) It is about market reforms
and absence of plans for the poorest of the poor.
(e) A patron-client relationship
defines modern governments and the masses.
2. To succeed in today’s crowded
marketplace where most of the products and advertising look exactly the same, a
small business owner must stand out, shouting above the din with a message so
clear and compelling that prospects stop and take notice. It’s a matter of
business survival. Unfortunately, most entrepreneurs quickly retreat to the
supposed security of sameness, soon to be lost in a sea of anonymity and a
tidal wave of frustration. In effect, albeit at a subconscious level, they are
saying, “I don’t want to be different”. In back room offices and store fronts
everywhere, salespeople are telling business owners they should do this or that
kind of ad because it worked so great for their competitor. The owners nod and
sign on. It’s already proven to be a winner, right? WRONG……….
(a) To make your advertising
work, follow the principle if your competition is doing it, don’t.
(b) Following your competitor is
a sure recipe for disaster.
(c) Win the battle without a
(d) It will fill people with a
sense of déjà vu.
(e) You will do it at your own
3. Google, the internet
powerhouse, seeks to organize the entire world’s information. The company has
told publishers it will delay until November its work on copyrighted texts and
will not scan any items that the copyright owner does not want included. The
Assn. of American Publishers was outraged by this offer, saying Google is
trying to turn copyright law inside out. Google should have to ask permission
to copy a book for its database, they say, it shouldn’t be up to publishers to
object. Google argues that it is making a fair use of the books. The dispute
could easily wind up in the courts. Building a guide to the contents of books
is hardly the same as making bootlegged copies or plagiarizing. It’s a
monumental and costly task, and publishers have given no reason to believe they
can do it for themselves. Unless their works are as well integrated with the
Net as other forms of information and entertainment, they may be left waiting
on the shelves for an audience that no longer bothers to walk through the
(a) This has put both the
internet search engine and the publishers on an unwarranted collision course
(b) Since the case might drag on
for years to the detriment of both the parties, an out of court settlement is
well advised
(c) Isn’t it rather difficult, or
even in fructuous to protect copyright on published text in this internet age?
(d) Perhaps both the parties
ought to try and appreciate the other ’s viewpoint, as well as legitimate
apprehensions, but with the overall goal of the public good in mind.
(e) Meanwhile, Google should show
more respect for publishers’ rights – and publishers should not make the
mistake of using the strictures of copyright law to tie their own hands
4. Relations between the factory
and the dealer are distant and usually strained as the factory tries to force
cars on the dealers to smooth out production. Relations between the dealer and
the customer are equally strained because dealers continuously adjust prices –
make deals – to adjust demand with supply while maximizing profits. This
becomes a system marked by a lack of long-term commitment on either side, which
maximize feelings of mistrust. In order to maximize their bargaining positions,
everyone holds back information – the dealer about the product and the consumer
about his true desires…………………
(a) As a result, ‘deal making’
becomes rampant, without concern for customer satisfaction.
(b) As a result, inefficiencies
creep into the supply chain.
(c) As a result, everyone treats
the other as an adversary, rather than as an ally
(d) As a result, fundamental
innovations are becoming scarce in the automobile industry.
(e) As a result, everyone loses
in the long run.
5. The tax system of India
encourages borrowing by granting its taxpayers tax relief for interest paid on
loans. The system also discourages saving by taxing any interest earned on
savings. Nevertheless, it is clear that India’s tax system does not
consistently favour borrowing over saving, for if it did, there would be no______.
(a) tax relief in India for those
portions of a taxpayer’s income, if any, that are set aside to increase that
taxpayer’s total savings
(b) tax relief in India for the
processing fees that taxpayers pay to lending institutions when obtaining
certain kinds of loans
(c) tax relief in India for
interest that taxpayers are charged on the unpaid balance in credit card
(d) taxes due in India on the
cash value of gifts received by taxpayers from banks trying to encourage people
to open savings accounts
(e) taxes due in India on the
amount that a taxpayer has invested in interest-bearing savings accounts

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6. ……………….. Unemployment
typically continues to rise even after GDP starts to increase, so pain for
workers is far from over. Already 9.5% of the workforce is unemployed, and all
of country’s metropolitan areas reported unemployment rates of at least 10% in
June. More jobless will probably mean less shopping and a slower recovery. The
latest consumer-confidence numbers show that people are jittery. The quarterly
GDP report also makes it clear that consumer spending, which rose slightly in
the first quarter, dropped again in the second, by 1.2%. The good news,
therefore, was more a result of government stimulus than evidence of a real,
sustainable recovery in private demand.
(a) A greater worry is the
bleeding in country’s labour market.
(b) The Finance Department has
revised its estimates of just how bad 2008 really was.
(c) Figures released by Commerce
Department confirmed what most had been expected
(d) New GDP figures suggest some
hope for country’s economy. But the pain is far from over.
(e) House prices still have a
long way to go before they return to the level of a year ago
7. Everything in New Delhi is
extreme. It is a city of the incredibly rich and the miserably poor. For the
rich, there are expensive private schools and hospitals, concert halls and
theatres – although fewer of those than formerly – and restaurants. The poor
are on a hiding to nowhere: all public facilities, schools and hospitals and
housing, are deteriorating. But then there are some world known social workers
in it. There are thousands of heroin addicts, and an equal number of carriers
of the Aids virus. …………….This is Delhi for you.
(a) But then there are thousands
of people who are social workers
(b) But then some of rarest
examples of humanity come from this city
(c) But then there is a faith in
the City
(d) But then there are people
addict to charity and altruism also.
(e) But then there are people who
are totally against the drugs and faithful to their partners
8. Computers are used in banks
for a variety of reasons. They help bank personnel operate more efficiently and
effectively. Computers are used to track certain transactions and they help
process other customer information as well. Without computers, it would be very
hard for a bank to offer good customer service day in and day out. Computers
help a bank save time and money, and can be used as an aid to generate profits.
In nutshell they have become indispensible part of the banks. Bank personnel
become so helpless in absence of their machine that nervousness is evident on
their faces while technical glitch renders the computer systems dysfunctional
for a small period of time. ……… once again queues starts to move and crowd
starts to thin with fingers starting to work on keyboards; nervousness has made
way for confidence of knowing everything at just a click of mouse.
(a) Crowd starts to swell and
nervousness starts to turn in fear of failure.
(b) A sense of relief spreads as
the problem gets rectified.
(c) There is a condition of
traffic jam in banks and everything comes to a halt.
(d) It is not their fault and
they are excused for it.
(e) Technology comes with its own
9. Some of the world’s most expensive
land can be found in central Mumbai………. However, housing costs are distinctly
lower in Mumbai’s suburbs, surrounding prefectures and in other regions and
cities of India. Additional commuting costs are often more than compensated by
the savings on the rent, especially as many companies pay part or all of their
employees’ commuting expenses. If you prefer to live close to city centers,
rented houses are an inexpensive option to consider. Utilities such as gas,
water and especially electricity are expensive, and phone rates are high. For
international calls, consider internet phones, callback services and other
offers for the expat community.
(a) Consequently; even tiny
apartments in the city center are very expensive
(b) This land is unauthorized
land usurped by Land Mafia in the city
(c) A new bubble – Reality bubble
similar to housing bubble of West is waiting to burst
(d) City is breathing on its
(e) The prices will continue to
rise till Government comes out with an effective policy for reality prices in
coming months
10. Now digest the main
historical event of this week: China has officially become the world’s
second-biggest economy, overtaking Japan. In the West this has prompted
concerns about China overtaking the United States sooner than previously
thought. But stand back a little farther, apply a more Asian perspective…………
These two Asian giants, which until 1800 used to make up half the world
economy, are not, like Japan and Germany, mere nation states. In terms of size
and population, each is a continent-and for all the glittering growth rates, a
poor one.
(a) China’s longer-term contest
is with that other recovering economic behemoth: India
(b) China’s longer term contest
with USA is going to end in near future
(c) China is now focusing on
Asian Market space more than other markets
(d) China is going in tandem with
other Asian economy – India
(e) China’s long term border
dispute with India affects Asian economy’s growth rate


1. (b) As per the passage in
starting portion, it has been given that market oriented people do not have
plans for poor people or in other words no social agenda which is definitely
the priority of any government. But if power of government is transferred to
others (market forces in this case), then there would not be any radical social
change. From the other options, (c) discusses elections but there is nothing
related to elections in the passage. Option (d) is contradicting what is said
in the statement following the blank space. Option (e) seems to be a finishing
sentence rather than an opening sentence as it is related to last part of passage
not with the starting part.
2. (b) Option (b) vehemently
represents the sense of the passage; additionally it contains a message that
author wants to convey. One more point that supports this option is it fits
well with the capitalized word (which is of course used to emphasize) WRONG.
Hence strong message should follow it.
3. (d) This option is right as it
does not judge or present an opinion rather it comes up with a possibility with
right approach i.e. positive and covers legal aspect of matter as well. Other
options are more or less judgments or opinions that do not qualify as finishing
/closing statement.
4. (d) All other options except
(e) are rephrasing of already discussed facts of passage. But Option (e) is
incomplete as it does not show what can be the loss specifically. But option
(d) shows it. It can be inferred that holding back information would lead to
lack of innovations in auto industry, these innovations can be in supply chain
for dealers, new car models with improved performance at cheap pricing for
customers/ end users and increased profit for company.
5. (a) Understand it this way –
Although savings is discouraged, borrowings are not encouraged for a longer
(persistent) period. This question is a difficult one. Best method to solve
these types of questions is to use elimination method. Option (c) is out of
context as talking about credit cards is rejected. Option (d) involves giving
gifts by banks for opening saving account which seems to be giving triviality
to the matter of paragraph. Option (e) is second best option. But contradicts
what is said in passage. Option (a) is best answer for the blank space as it
supports only what is given in passage.

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6. (d) Passage shall start with a
hope in the GDP figures as in next sentence that hope fades away. See the use
of word ‘even after’ this indicates that incident detailed here should have
happened before it. Another thing that goes in favour of option (d) is that it
shows the pain of unemployment and its sustenance which is a major issue
highlighted in paragraph.
7. (d) ‘Also’ of this statement
connects well with the preceding sentence. Passage presents Delhi in two
different shades. And this statement complements the negative statement just
before the blank space. The same example is given earlier in passage – on one
hand, social amenities deteriorating while on the other hand world known social
workers are also working in Delhi. In the same sense while there are people
with addiction for wrong things, there are also people with addiction to right
8. (b) Passage can be divided in
two parts – one before the blank space and another after the blank space. First
part says that bank people are nervous as computer systems are not working.
Second part says that queues get thinner. It means problem mentioned in first
part gets rectified and effect of it is seen in second part.
9. (a) This option connects well
with the opening statement. Second option cannot be reached through passage.
Third option also needs some mentioning in the passage. In absence of this
linkage it does not qualify for the correct answer. Option (d) is irrelevant.
Option (e) is again introducing governance issue that in absence of any
elaboration in further reading of passage becomes inappropriate.
10. (a) ‘These two Asian giants’
hints reference of some Asian country in previous line. On this basis Option
(b) is wrong. Option(c) is about only the China, Option (e) gives new dimension
to passage by introducing border dispute which is unwarranted. Fight is between
Option (d) and Option (a); latter scores over former as word ‘behemoth’
complements ‘giants’ of subsequent sentence.


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