English Quiz for Upcoming IBPS Bank Exams - Set 46 | New Pattern





Hello and welcome to exampundit. Here is a set of English Language Quiz for the upcoming IBPS Exams 2017.


DIRECTIONS (Qs. 1-5) : 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 (coherent means logically complete and sound).

1. ______________Business is instead moving to digitalnative insurers, many of which are offering low premiums to those willing to collect and share their data. Yet the biggest winners could be tech companies rather than the firms that now dominate the industry. Insurance is increasingly reliant on the use of technology to change behaviour; firms act as helicopter parents to policyholders, warning of impending harm-slow down; reduce your sugar intake; call the plumber-the better to reduce unnecessary payouts. Yet this sort of relationship relies on trust, and the Googles and Apples of the world, on which consumers rely day-by-day and hour-by-hour, may be best placed to win this business.
(a) The growing mountain of personal data available to individuals and, crucially, to firms is giving those with the necessary processing power the ability to distinguish between low-risk and high-risk individuals.
(b) Cheap sensors and the tsunami of data they generate can improve our lives; blackboxes in cars can tell us how to drive more carefully and wearable devices will nudge us toward healthier lifestyles.
(c) The better behaviour resulting from smart devices is just one threat to the insurance industry. Conventional risk pools (for home or car insurance, for example) are shrinking as preventable accidents decline, leaving the slow-footed giants of the industry at risk.
(d) The uncertainty that underpins the need for insurance is now shrinking thanks to better insights into individual risks.
(e) The data has enabled insurance companies to gauge the situation and plan accordingly.



2. By calling for exempting unionized businesses from the minimum wage, unions are creating more incentives for employers to favor unionized workers over the nonunionized sort. Such exemptions strengthen their power. ____________.Once employers are obliged to pay the same minimum wage to both unionized and non-unionized labor, workers often see less reason to pay the dues to join a union.
(a) High rates of unionization make minimum-wage rules unnecessary as collaborative wage setting achieves the flexibility goals of a low minimum wage and the fairness goals of a high one.
(b) Workers who have no real alternative to employment in the unregulated shadows of the labor market are even more vulnerable to exploitation and abuse than workers with the legal right to take low wages.
(c) The labor ethos of worker solidarity seems hollow if non-union workers are underpriced by union workers and left unemployed or scrambling for unauthorized work.
(d) This is useful because for all the effort unions throw at raising the minimum wage, laws for better pay have an awkward habit of undermining union clout.
(e) Unions have been demanding democratic vaues in the work cluture but on the contrary they have been practicing dictatorial ways.


3. The premise that the choice of major amounts to choosing a career path rests on the faulty notion that the major is important for its content, and that the acquisition of that content is valuable to employers. But information is fairly easy to acquire and what is acquired in 2015 will be obsolete by 2020. What employers want are basic but difficult-to-acquire skills. _______________________. They care about a potential employee's abilities: writing, researching, quantitative, and analytical skills. A vocational approach to education eviscerates precisely the qualities that are most valuable about it: intellectual curiosity, creativity and critical thinking.
(a) As students flock to the two or three majors they see as good investments, professors who teach in those majors are overburdened, and the majors themselves become more formulaic and less individualized.
(b) Often it is the art historians and anthropology majors, for example, who, having marshaled the abilities of perspective, breadth, creativity, and analysis, have moved a company or project or vision forward.
(c) Furthermore, the link between education and earnings is notoriously fraught, with cause and effect often difficult to disentangle.
(d) Ideas such as education is necessary to be successful in corporate life are unacceptable because education isn't that much relevant into day's society.
(e) When they ask students about their majors, it is usually not because they want to assess the applicants' mastery of the content, but rather because they want to know if the students can talk about what they learned.



4. What happens to our brains as we age is of crucial importance not just to science but to public policy. _______________________ However, this demographic time-bomb would be much less threatening if the elderly were looked upon as intelligent contributors to society rather than as dependants in long-term decline. It is time we rethink what we mean by the ageing mind before our false assumptions result in decisions and policies that marginalize the old or waste precious public resources to re-mediate problems that do not exist.
(a) The idea that we get dumber as we grow older is just a myth, according to brain research that will encourage anyone old enough to know better.
(b) By 2030, for example, 72 million people in the US will be over 65, double the figure in 2000 and their average life expectancy will likely have edged above 20 years
(c) Many of the assumptions scientists currently make about 'cognitive decline' are seriously flawed and, for the most part, formally invalid.
(d) Using computer models to simulate young and old brains, Ramscar and his colleagues found they could account for the decline in test scores simply by factoring in experience
(e) The reason it becomes harder to recall an acquaintance's name as you grow older is that there are so many more of them.



5. The expenditure of time, money and sparse judicial and prosecutorial resources is often justified by claims of a powerful deterrent message embodied in the ultimate punishment- the death penalty.__________ In 2010, the average time between sentencing and execution in the United States averaged nearly 15 years. A much more effective deterrent would be a sentence of life imprisonment imposed close in time to the crime.

(a) A single federal death penalty case in Philadelphia was found to cost upwards of $10 million - eight times higher than the cost of trying a death eligible case where prosecutors seek only life imprisonment. (b) The ethics of the issue aside, it is questionable whether seeking the death penalty is ever worth the time and resources that it takes to sentence someone to death.
(c) Apart from delaying justice, the death penalty diverts resources that could be used to help the victims' families heal.
(d) But studies repeatedly suggest that there is no meaningful deterrent effect associated with the death penalty and further, any deterrent impact is no doubt greatly diluted by the amount of time that inevitably passes between the time of the conduct and the punishment.
(e) While some victims and their families supported and some opposed the decision, any expectation that Tsarnaev will be put to death might be misplaced.


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6. Five statements are given below, labelled a, b, c, d and e. Among these, four statements are in logical order and form a coherent paragraph/passage. From the given options, choose the option that does not fit into the theme of the passage.
(a) Dinets first observed the behaviour in 2007 when he spotted crocodiles lying in shallow water along the edge of a pond in India with small sticks or twigs positioned across their snouts.
(b) The behaviour potentially fooled nest-building birds wading in the water for sticks into thinking the sticks were floating on the water.
(c) The crocodiles remained still for hours and if a bird neared the stick, they would lunge.
(d) Crocodiles are way clever than thought about generally.
(e) To see if the stick-displaying was a form of clever predation, Dinets and his colleagues performed systematic observations of the reptiles for one year at four sites in Louisiana, including two rookery and two non-rookery sites.


7. Five statements are given below, labelled a, b, c, d and e. Among these, four statements are in logical order and form a coherent paragraph/passage. From the given options, choose the option that does not fit into the theme of the passage.
(a) The competitive pressures in the environment have radically altered the context in which human Resource services are delivered in Indian organizations.
(b) The HR competencies, in other words, differentiate outstanding performers from average performers in the HR function.
(c) The traditional role of HR, based on the image of a transaction and administrative oriented HR practitioner providing services to a set of customers, is undergoing change.
(d) With the focus moving towards integrating HR into strategic planning of the organization, another dimension is added to the picture of HR service deliver.
(e) This change in focus calls for HR professionals taking up the emerging roles of advocate, business partner, and change agent in new organizational structures that are radically different from the past.

8. Five statements are given below, labelled a, b, c, d and e. Among these, four statements are in logical order and form a coherent paragraph/passage. From the given options, choose the option that does not fit into the theme of the passage.
(a) Every campaign leader known how to pick up and kiss a child in the crowds, how to hug an old widow, how to chant with the pundits, and show abeyance to the Mullahs.
(b) Did anyone hit at "quality" for infrastructure amenities, education, health and finally governance.
(c) Politics is still a game of money, mind and manipulations.
(d) False promise are not entirely a sin, but let these be redeemed by true, professional, and quality governance, that shows at the end of the tenure.
(e) Many Asian countries have transformed their work culture, and up-scaled their economies.

9. Five statements are given below, labelled a, b, c, d and e. Among these, four statements are in logical order and form a coherent paragraph/passage. From the given options, choose the option that does not fit into the theme of the passage.
(a) The emerging web services paradigm offers the promise of new efficiencies and improve integration designed to enhance collaboration between internal and external applications.
(b) For example web services can serve as a bridge between an e-procurement application and an internal inventory system.
(c) Although, web services are relatively nascent and adoption rates currently low, it is critical for ERP vendors to begin taking steps to prepare for their rapidly maturing initiative.
(d) As items are purchased through e-procurement application, a web service specific to inventory reduction can be invoked to adjust inventory levels.
(e) As soon as re-order points are hit, a Web services, the cycle time between buying and replenishment can be greatly reduced and the potential for errors virtually eliminated.

10. Five statements are given below, labelled a, b, c, d and e. Among these, four statements are in logical order and form a coherent paragraph/passage. From the given options, choose the option that does not fit into the theme of the passage.
(a) Much of the modern use of metals happens behind closed doors of corporations, under the veil of trade secrets.
(b) He chooses to restrict his analysis to metals and metalloids, which could face more critical constraints because many of them are relatively rare.
(c) Even if we can find out how certain metals are used, it may not always be possible to determine the proportions they are used in.
(d) The authors compromise was to account for the use of 80% of the material that is made available each year through extraction and recycling.
(e) Their compromise was to account for the use of 80% of the material that is made available each year through extraction and recycling.


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Answers & Explanations:
1. (c)
2. (d)
3. (e)
4. (b)
5. (d)
6. (d) Option (d) does not fit into the theme of the passage as the given passage delineates the systematic observations of reptiles. It does focus the nature of crocodiles particularly.
7. (b) Option (b) is odd one out into the theme of the passage. The passage tells about the changing role of HR in the context of radically altered environment not about HR competencies.
8. (e) The passage depicts about the strategies followed by politicians during the election campaign. It does not pay attention upon economies.
9. (c) Option (c) does not fit into the theme of the passage.

10. (b) Option (b) is odd one out, all other options describes the modern uses of metals while option (b) is related to analysis of metals.














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