Which of the following may not have any role in proposing/revising/launching/delivering or being a stake-holder role in the scheme?

Directions: Answer the given question based on the following passage:

National Housing Bank (NHB) came out with a reverse mortgage product four years back. The idea was to give periodic income to senior citizens. Why did that scheme never take off?
I won’t say the scheme never took off. Probably, it did not meet expectations, which were too high. It was essentially for liquefying the existing debt asset for the senior citizen. All over the world, it is a niche programme and not a mass programme, where everybody can get into it. In India, there are cultural issues. There are senior citizens who have told me that their children treat them badly, but still want their house to go them. Therefore, the reverse mortgage product appeals only to some people. Those who don’t have children or who are single, or whose children have totally dissociated from them and settled abroad, or who need it for a short period.
Yes, it (performance of old product) is a bit disappointing, but overall it is not too bad. In our old product, we gave loans worth about Rs. 1,800 crore. There are many people who don’t have a house, we can’t cater to them. So the market itself is somewhat restricted.
Is awareness also a problem?
Yes, to some extent buy awareness among senior citizens has improved significantly. So there could be some issues of delivery; banks may not be very aggressively delivering this. So they (senior citizens) may not be aware of the nuances of the product. Also, there is no special incentive for senior citizens; banks charge normal interest rate. Then, the market is limited.
Earlier, the problem was that the maximum tenor available was 20 years, under the new annuity scheme, the term can be up to a person’s lifetime.
How is the new reverse mortgage product going to shape up after annuity has been integrated with it? How has the response been so far?
People are still trying to understand; the annuity schemes are a little complicated. We are getting a lot of enquiries and sanctions have also taken place but not much.
There is some confusion about how income from the new reverser mortgage product will be taxed. So, will other banks launch the product?
There is no confusion. About 23-25 banks were already offering the old product. Today, both schemes are available. It is the choice of the customer. In the old product, income is exempt in the hands of senior citizens. In the annuity product, it is not exempt since the amount is higher and for lifetime.
But under the Income-tax Act, any annuity is taxed. What we plan to do is to approach the government before next year’s budget to make annuity under this new reverse mortgage scheme tax-free since the old product is also tax-free. There is no difference between the two products, except that we have structured it as annuity to take care of the longevity risk which the insurance company can take. But, the fundamental natural of the loan is the same as loan against property. It is getting taxed because of the word annuity.

Directions: Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the question given below them. (A) Development of drought resistance could benefit large numbers of farmers. (B) Hence the human race has no choice but to adapt to these impacts. (C) India has to be concerned about climatic changes. (D) This impact can run into decades and centuries. (E) Environment day is thus an important occasion to assess the past and our future. (F) Since there is a possibility of adverse impact on agriculture which could deter growth.

Which is the THIRD sentence after rearrangement?

Directions: Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the question given below them. (A) Development of drought resistance could benefit large numbers of farmers. (B) Hence the human race has no choice but to adapt to these impacts. (C) India has to be concerned about climatic changes. (D) This impact can run into decades and centuries. (E) Environment day is thus an important occasion to assess the past and our future. (F) Since there is a possibility of adverse impact on agriculture which could deter growth.

Which is the LAST (SIXTH) sentence after rearrangement?

Directions: Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the question given below them. (A) Development of drought resistance could benefit large numbers of farmers. (B) Hence the human race has no choice but to adapt to these impacts. (C) India has to be concerned about climatic changes. (D) This impact can run into decades and centuries. (E) Environment day is thus an important occasion to assess the past and our future. (F) Since there is a possibility of adverse impact on agriculture which could deter growth.

Which is the FIRST sentence after rearrangement?

Directions: Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the question given below them. (A) Development of drought resistance could benefit large numbers of farmers. (B) Hence the human race has no choice but to adapt to these impacts. (C) India has to be concerned about climatic changes. (D) This impact can run into decades and centuries. (E) Environment day is thus an important occasion to assess the past and our future. (F) Since there is a possibility of adverse impact on agriculture which could deter growth.

Which is the FIFTH sentence after rearrangement?

Directions: Which of the phrases (1), (2), (3) and (4) given below the statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the phrases is appropriate, mark (5) as the answer.

Although information technology has entered the homes, offices and hearts of many citizens of India, ____________________________________________________.

Directions: Which of the phrases (1), (2), (3) and (4) given below the statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the phrases is appropriate, mark (5) as the answer.

___________________________________, experts proposed the idea of a common school system.

Directions: Which of the phrases (1), (2), (3) and (4) given below the statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the phrases is appropriate, mark (5) as the answer.

While the environment friendly nuclear energy could make a large addition to the energy resources, _____________________________________________________.

Directions: Which of the phrases (1), (2), (3) and (4) given below the statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the phrases is appropriate, mark (5) as the answer.

____________________________, the soil today is nowhere as rich in native minerals as it used to be some centuries ago.

Directions: Which of the phrases (1), (2), (3) and (4) given below the statement should be placed in the blank space provided so as to make a meaningful and grammatically correct sentence? If none of the phrases is appropriate, mark (5) as the answer.

As allegations of crores of rupees changing hands to permit illegal mining began to fly thick and fast, ______________________________.

Directions: Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the question given below them. (A) Development of drought resistance could benefit large numbers of farmers. (B) Hence the human race has no choice but to adapt to these impacts. (C) India has to be concerned about climatic changes. (D) This impact can run into decades and centuries. (E) Environment day is thus an important occasion to assess the past and our future. (F) Since there is a possibility of adverse impact on agriculture which could deter growth.

Which is the SECOND sentence after rearrangement?

Which of the following is essential for availing the scheme?

Directions: Answer the given question based on the following passage:

National Housing Bank (NHB) came out with a reverse mortgage product four years back. The idea was to give periodic income to senior citizens. Why did that scheme never take off?
I won’t say the scheme never took off. Probably, it did not meet expectations, which were too high. It was essentially for liquefying the existing debt asset for the senior citizen. All over the world, it is a niche programme and not a mass programme, where everybody can get into it. In India, there are cultural issues. There are senior citizens who have told me that their children treat them badly, but still want their house to go them. Therefore, the reverse mortgage product appeals only to some people. Those who don’t have children or who are single, or whose children have totally dissociated from them and settled abroad, or who need it for a short period.
Yes, it (performance of old product) is a bit disappointing, but overall it is not too bad. In our old product, we gave loans worth about Rs. 1,800 crore. There are many people who don’t have a house, we can’t cater to them. So the market itself is somewhat restricted.
Is awareness also a problem?
Yes, to some extent buy awareness among senior citizens has improved significantly. So there could be some issues of delivery; banks may not be very aggressively delivering this. So they (senior citizens) may not be aware of the nuances of the product. Also, there is no special incentive for senior citizens; banks charge normal interest rate. Then, the market is limited.
Earlier, the problem was that the maximum tenor available was 20 years, under the new annuity scheme, the term can be up to a person’s lifetime.
How is the new reverse mortgage product going to shape up after annuity has been integrated with it? How has the response been so far?
People are still trying to understand; the annuity schemes are a little complicated. We are getting a lot of enquiries and sanctions have also taken place but not much.
There is some confusion about how income from the new reverser mortgage product will be taxed. So, will other banks launch the product?
There is no confusion. About 23-25 banks were already offering the old product. Today, both schemes are available. It is the choice of the customer. In the old product, income is exempt in the hands of senior citizens. In the annuity product, it is not exempt since the amount is higher and for lifetime.
But under the Income-tax Act, any annuity is taxed. What we plan to do is to approach the government before next year’s budget to make annuity under this new reverse mortgage scheme tax-free since the old product is also tax-free. There is no difference between the two products, except that we have structured it as annuity to take care of the longevity risk which the insurance company can take. But, the fundamental natural of the loan is the same as loan against property. It is getting taxed because of the word annuity.

Which of the following can be inferred?

Directions: Answer the given question based on the following passage:

National Housing Bank (NHB) came out with a reverse mortgage product four years back. The idea was to give periodic income to senior citizens. Why did that scheme never take off?
I won’t say the scheme never took off. Probably, it did not meet expectations, which were too high. It was essentially for liquefying the existing debt asset for the senior citizen. All over the world, it is a niche programme and not a mass programme, where everybody can get into it. In India, there are cultural issues. There are senior citizens who have told me that their children treat them badly, but still want their house to go them. Therefore, the reverse mortgage product appeals only to some people. Those who don’t have children or who are single, or whose children have totally dissociated from them and settled abroad, or who need it for a short period.
Yes, it (performance of old product) is a bit disappointing, but overall it is not too bad. In our old product, we gave loans worth about Rs. 1,800 crore. There are many people who don’t have a house, we can’t cater to them. So the market itself is somewhat restricted.
Is awareness also a problem?
Yes, to some extent buy awareness among senior citizens has improved significantly. So there could be some issues of delivery; banks may not be very aggressively delivering this. So they (senior citizens) may not be aware of the nuances of the product. Also, there is no special incentive for senior citizens; banks charge normal interest rate. Then, the market is limited.
Earlier, the problem was that the maximum tenor available was 20 years, under the new annuity scheme, the term can be up to a person’s lifetime.
How is the new reverse mortgage product going to shape up after annuity has been integrated with it? How has the response been so far?
People are still trying to understand; the annuity schemes are a little complicated. We are getting a lot of enquiries and sanctions have also taken place but not much.
There is some confusion about how income from the new reverser mortgage product will be taxed. So, will other banks launch the product?
There is no confusion. About 23-25 banks were already offering the old product. Today, both schemes are available. It is the choice of the customer. In the old product, income is exempt in the hands of senior citizens. In the annuity product, it is not exempt since the amount is higher and for lifetime.
But under the Income-tax Act, any annuity is taxed. What we plan to do is to approach the government before next year’s budget to make annuity under this new reverse mortgage scheme tax-free since the old product is also tax-free. There is no difference between the two products, except that we have structured it as annuity to take care of the longevity risk which the insurance company can take. But, the fundamental natural of the loan is the same as loan against property. It is getting taxed because of the word annuity.

Which of the following is a major action point?

Directions: Answer the given question based on the following passage:

National Housing Bank (NHB) came out with a reverse mortgage product four years back. The idea was to give periodic income to senior citizens. Why did that scheme never take off?
I won’t say the scheme never took off. Probably, it did not meet expectations, which were too high. It was essentially for liquefying the existing debt asset for the senior citizen. All over the world, it is a niche programme and not a mass programme, where everybody can get into it. In India, there are cultural issues. There are senior citizens who have told me that their children treat them badly, but still want their house to go them. Therefore, the reverse mortgage product appeals only to some people. Those who don’t have children or who are single, or whose children have totally dissociated from them and settled abroad, or who need it for a short period.
Yes, it (performance of old product) is a bit disappointing, but overall it is not too bad. In our old product, we gave loans worth about Rs. 1,800 crore. There are many people who don’t have a house, we can’t cater to them. So the market itself is somewhat restricted.
Is awareness also a problem?
Yes, to some extent buy awareness among senior citizens has improved significantly. So there could be some issues of delivery; banks may not be very aggressively delivering this. So they (senior citizens) may not be aware of the nuances of the product. Also, there is no special incentive for senior citizens; banks charge normal interest rate. Then, the market is limited.
Earlier, the problem was that the maximum tenor available was 20 years, under the new annuity scheme, the term can be up to a person’s lifetime.
How is the new reverse mortgage product going to shape up after annuity has been integrated with it? How has the response been so far?
People are still trying to understand; the annuity schemes are a little complicated. We are getting a lot of enquiries and sanctions have also taken place but not much.
There is some confusion about how income from the new reverser mortgage product will be taxed. So, will other banks launch the product?
There is no confusion. About 23-25 banks were already offering the old product. Today, both schemes are available. It is the choice of the customer. In the old product, income is exempt in the hands of senior citizens. In the annuity product, it is not exempt since the amount is higher and for lifetime.
But under the Income-tax Act, any annuity is taxed. What we plan to do is to approach the government before next year’s budget to make annuity under this new reverse mortgage scheme tax-free since the old product is also tax-free. There is no difference between the two products, except that we have structured it as annuity to take care of the longevity risk which the insurance company can take. But, the fundamental natural of the loan is the same as loan against property. It is getting taxed because of the word annuity.

The product being discussed is _________.

Directions: Answer the given question based on the following passage:

National Housing Bank (NHB) came out with a reverse mortgage product four years back. The idea was to give periodic income to senior citizens. Why did that scheme never take off?
I won’t say the scheme never took off. Probably, it did not meet expectations, which were too high. It was essentially for liquefying the existing debt asset for the senior citizen. All over the world, it is a niche programme and not a mass programme, where everybody can get into it. In India, there are cultural issues. There are senior citizens who have told me that their children treat them badly, but still want their house to go them. Therefore, the reverse mortgage product appeals only to some people. Those who don’t have children or who are single, or whose children have totally dissociated from them and settled abroad, or who need it for a short period.
Yes, it (performance of old product) is a bit disappointing, but overall it is not too bad. In our old product, we gave loans worth about Rs. 1,800 crore. There are many people who don’t have a house, we can’t cater to them. So the market itself is somewhat restricted.
Is awareness also a problem?
Yes, to some extent buy awareness among senior citizens has improved significantly. So there could be some issues of delivery; banks may not be very aggressively delivering this. So they (senior citizens) may not be aware of the nuances of the product. Also, there is no special incentive for senior citizens; banks charge normal interest rate. Then, the market is limited.
Earlier, the problem was that the maximum tenor available was 20 years, under the new annuity scheme, the term can be up to a person’s lifetime.
How is the new reverse mortgage product going to shape up after annuity has been integrated with it? How has the response been so far?
People are still trying to understand; the annuity schemes are a little complicated. We are getting a lot of enquiries and sanctions have also taken place but not much.
There is some confusion about how income from the new reverser mortgage product will be taxed. So, will other banks launch the product?
There is no confusion. About 23-25 banks were already offering the old product. Today, both schemes are available. It is the choice of the customer. In the old product, income is exempt in the hands of senior citizens. In the annuity product, it is not exempt since the amount is higher and for lifetime.
But under the Income-tax Act, any annuity is taxed. What we plan to do is to approach the government before next year’s budget to make annuity under this new reverse mortgage scheme tax-free since the old product is also tax-free. There is no difference between the two products, except that we have structured it as annuity to take care of the longevity risk which the insurance company can take. But, the fundamental natural of the loan is the same as loan against property. It is getting taxed because of the word annuity.

Find out the appropriate word to fill blank (iii).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (viii).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (vii).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (ix).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (ii).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (vi).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (x).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (v).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (iv).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.

Find out the appropriate word to fill blank (i).

Directions: In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words/phrases are suggested, one of which best fits the blank appropriately.

There was a man who had four sons. He ____(i)____ his sons to learn not to judge things too quickly. So he sent them each on a _____(ii)____, in turn, to go and look at a pear tree that was a great distance away. The first son went in the winter, the second in the spring, the third in summer, and the youngest son in autumn. When they had all gone and come back, he _____(iii)_____ them together to ____(iv)_____ what they had seen. The first son said that the tree was ugly, bent, and twisted. The second son said, “No! It was covered with green buds and full of promise.” The third son disagreed; he said it was laden with blossoms that ____(v)_____ so sweet and looked so beautiful, it was the most graceful thing he had ____(vi)_____ seen. The last son disagreed with all of them; he said it was ripe and drooping with fruit, full of life and fulfillment. The man then _____(vii)_____ to his sons that they all were right, because they had each seen but only one _____(viii)_____ in the tree’s life. He told them that you _____(ix)_____ judge a tree, or a person, by only one season, and that the _____(x)_____ of who they are and the pleasure, joy, and love that comes from that life can only be measured at the end, when all the seasons are over.