Current Affairs Current Affairs - 12 July 2017 - Vikalp Education

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Current Affairs - 12 July 2017

General Affairs 

Amarnath attack: How the hero bus driver drove through bullets to save many lives
  • Seven Amarnath pilgrims were killed and many others were injured when a bus they were travelling in was attacked by terrorists in Anantnag on Monday (July 10) night. It was raining bullets but remarkable courage and presence of mind shown by the bus driver prevented further casualties.
    Gujarat Chief Minister Vijay Rupani today praised bus driver Salim Sheikh for showing immense courage and saving lives of nearly 50 Amarnath pilgrims.
    "Want to thank bus driver for saving lives of people. Will nominate his name for bravery award," Rupani told reporters at Surat airport where he received those injured in the terror attack.

    God gave me strength to keep moving, and I just did not stop. Lagaatar firing ho rhi thi(Terrorists were firing indiscriminately)," said Salim.
    1. It was about 8.20 pm on Monday. A white-coloured bus (GJ09Z9979) full of Amarnath pilgrims was travelling from Srinagar to Jammu.
    2. The bus was not officially registered with the Amarnath Shrine Board for the pilgrimage and was without police escort.
    3. As soon as the bus reached near Khanabal, 3-5 terrorists opened fire.
    4. It was pitch-dark outside and raining bullets. However, driver Salim Sheikh kept his cool.

      Yogesh Prajapati, one of the pilgrims who was inside the bus, told India Today TV, that the quick thinking driver saved many lives.

      1. "We ducked under our seats as bullets flew from all directions. Luckily, the driver didn't panic and kept on driving," Prajapati said.
      2. The driver stopped the bus at an intersection after driving for about a kilometer.
      3. Five of those killed were from Gujarat and two from Maharashtra.
      4. Jammu and Kashmir Chief Minister Mehbooba Mufti has said the terror attack on Amarnath pilgrims in Anantnag is a "blot on all Muslims and Kashmiris".
      5. While visiting the injured in a hospital in Anantnag, she said the head of every Kashmiri hangs in shame over the incident.
      6. "Pilgrims come to Kashmir every year for the yatra despite all difficulties. And seven people died today. I have no words to condemn it. I hope the security forces and the Jammu and Kashmir police arrest the perpetrators forthwith and take stern action against them," the chief minister told reporters.
      The attack took place despite specific intelligence inputs about terrorists planning to target Amarnath Yatra. Police said the bus was not a part of the yatra convoy which is being provided elaborate security.
      According to the sources Ismail, a Lashkar operative from Pakistan, was heading the team of militants which carried out the attack.

Shiv Sena's message to Modi after Amarnath attack: Show some courage, fight terrorism sternly
  • A day after terror attack on Amarnath yatris claimed lives of seven pilgrims, Bharatiya Janata Party's  (BJP) ally Shiv Sena has vehemently condemned the attack  and slammed the Prime Minister Narendra Modi government.
    Shiv Sena on Tuesday challenged the Modi government to show courage and work towards protecting the innocent pilgrims. The party also asked the NDA-led central government to take stern action against terrorism.
    The party slammed the Modi government saying that they were not up for debates and discussions but demanded counteraction against the perpetrators of terror attacks.
    "After demonetisation, the government said that terrorism will end. Why are these attacks still happening. We don't want debates, we need revenge," said Shiv Sena MP Sanjay Raut.
    According to the party, terrorism is the biggest challenge for Modi government.
    Sources from the party said that had the government taken timely decision to suspend the Amarnath Yatra two days prior the attack, it could have been averted. Raut added that the government had some intelligence inputs on the attacks.
    Maharashtra Chief Minister Devendra Fadnavis, condemned the terror attack in which two people from the state were killed and three others were injured.
    "I condemn this attack. Terrorist can't win any fight by killing innocent people. India will answer them. The state government will support the family members of those killed rom Dahanu district," said  Fadnavis.

    Maharashtra government announced a compensation of Rs 10 lakh to kin of pilgrims from the state who lost their lives in the Amarnath terror attack.

Darjeeling unrest: Hill parties to fast unto death from July 15 for Gorkhaland
  • The all-party meet convened by the Gorkha Janmukti Morcha (GJM) today decided to continue with the indefinite strike in Darjeeling.
    The Gorkhaland Movement Coordination Committee, which is spearheading the movement for Gorkhaland, has announced a fast unto death sit-in from July 15. Members of all hill-based parties are likely to be a part of this protest, which will start from the main crossing in Darjeeling at 11 am.
    Pro-Gorkhaland supporters will also gherao District Magistrate and Sub-Divisional Officer's (SDO) offices in Siliguri and Darjeeling on July 14.
    A 'jhola jaloos' (Bag March) has been planned from Darjeeling to Siliguri on July 16.
    July 13 will be celebrated as Gorkha Unity Day across the hills and literary awards given to Gorkhas will be returned to the West Bengal government.
    A delegation of hill parties will soon go to Delhi and put forth its demand for Gorkhaland.
    The nearly month-long agitation in Darjeeling has witnessed clashes between security force personnel and civilians.
    In a fresh round of violence reported last weekend, three civilians were killed in clashes.
    The trigger for the widespread protests across Darjeeling was the decision by the Mamata Banerjee government to make Bengali language mandatory for students up to Class 10.
    The protests against West Bengal government's decision to impose Bengali language on the hills soon snowballed into a movement for Gorkhaland.

Supreme Court suspends Centre's rule banning sale of cattle for slaughter
  • The Supreme Court today clarified that the Madras High Court's stay on government's notification banning sale of cattle for slaughter at animal markets is operational.
    In other words, the Madras High Court's stay on cattle slaughter ban is effective across the country.
    The Centre has agreed to the position and said that it is not seeking a modification of the order of Madras High Court.
    Earlier, the Madurai bench of the Madras High Court had stayed the Centre's notification on cattle slaughter ban while the Kerala High Court refused to order a stay on it.
    To clear the confusion surrounding the conflicting orders, the Supreme Court today said that Madras High Court's stay on Centre's notification remains operational.
    It's important to note here that the Supreme Court has not put a stay by itself but in wake of conflicting orders by Madras and Kerala high courts, the position has been clarified.
    A bench headed by Chief Justice of India J S Khehar also took on record the statements made by the Centre that the government is re-looking into the notification and will bring in necessary changes.
    The Centre was on the back foot in the court today. Represented by ASG P S Narasimha, Centre did not contest the ban and was also ready to concede that there are problems with the current notification. The government said that the changes will be brought in and re-notified.
    Senior lawyer Kapil Sabil, representing Meat Exporters Association, told Supreme Court that there is fear and phobia among cattle traders over the notification.
    Requesting the Supreme Court to clarify its position, Kapil Sabil said that it must be ensured that businesses are not hampered. 
    A May notification, titled Prevention of Cruelty to Animals (Regulation of Livestock Markets) Rules, 2017 by the Union Ministry of Environment, Forests and Climate Change stated that no one can bring cattle to an animal market unless he or she has furnished a written declaration that the cattle will not be sold for the purpose of slaughter.
    Supreme Court's clarification means that the Centre's notification stands stayed and now the cattle trade markets will work under the old rules without the need for any certificates.

Doklam standoff: India, China must not allow differences to become disputes, says S Jaishankar
  • In the backdrop of the ongoing standoff between India and China in Doklam near Sikkim, Foreign Secretary S Jaishankar today said that China's dramatic rise has repercussions that are still being evaluated, perhaps by Beijing itself.
    Delivering a lecture to mark the 25th anniversary of India-ASEAN relation in Singapore, S Jaishankar said that India and China must not allow "differences to become disputes".
    The Foreign Secretary said that in times of global uncertainty, "India-China relations are a factor of stability".
    1. India's bilateral relationships with Association of Southeast Asian Nations (ASEAN) member states have grown in tandem with broader regional engagement.
    2. In this changing landscape, few would dispute that evolving India-China relationship has a direct implication for ASEAN.
    3. We are all aware by now of the complexity inherent in rise of two major powers near simultaneously and that too in close proximity.
    4. India-China relationship acquired many dimensions and substance that reducing it to black and white argumentation cannot be a serious proposition.
    5. China's dramatic rise has repercussions that are still being evaluated, perhaps by China itself.
    6. Today, India-China relations are really multi-faceted. Last month, when leaders of the countries met, they reached consensus on two points.
    7. One, at a time of global uncertainty, India-China relations are factor of stability. Two, in their relationship, India and China must not allow differences to become disputes.
    8. It is not only India and China that have stakes in each other, world and especially the ASEAN has vested interest in this matter.

Business Affairs 

    Eateries should make food items cheaper post-GST, says Adhia
    • Restaurants, hotels and eateries should cut rates on food items in their menu to reflect the benefit of being able to set off tax paid on inputs under GST, Revenue Secretary Hasmukh Adhia said today.
      He also said that GST will be levied on entire sum of food bill, including service charge, in a restaurant, while the value of alcohol or alcohol products consumed will attract VAT.
      Previously, a service tax was levied on the bill. But the tax the hotel or restaurant operators paid on inputs could not be set off against the tax on final bill. This facility, called input tax credit (ITC), is available in the Goods and Services Tax (GST) regime.
      "Most of the restaurants should revise downward the rate charged on food items in their menu because of ITC which is now available. So ITC should be accounted for now in form of reduction in the value of supplies which they are giving," Adhia said in GST Master Class.
      Under the GST regime, while non-airconditioned restaurants attract 12 per cent tax, AC restaurants and those serving liquor will attract 18 per cent.
      Adhia further said that anything that is served as part of restaurant bill will be subject to GST, barring alcohol on which Value Added Tax (VAT) will be levied.
      "On the entire value of food bill, including service charge, on that portion also GST will apply," he said.
      Adhia further said that the tax department has received representation for transition provision of lease service industry. As per the GST provisions, ITC will not be available for central excise already paid on cars which are on lease.
      "There are a lot of representations on this about transition for lease service industry. We are looking at the representation but we are not sure how to handle this," Adhia said.

    7th Pay Commission: Government employees to get pay hike in these states
    • With Seventh Central Pay Commission implemented in full force, several state governments are following suit to give their employees a pay hike. Maharashtra government is the latest addition in the list of states to implement Seventh Pay Commission awards for respective state government employees.
      The Devendra Fadnavis-led Maharashtra government is set to implement the legislation during the monsoon session of the State Assembly which begins from July 24, reports said. As announced before, benefits under the 7th Pay Commission report will be put into effect from January 1, 2016 in the state.
      Around 6.5 lakh state government employees in Madhya Pradesh will also received a pay hike of 14 per cent after the state government decided to implement 7th Pay Commission awards from January 1, 2016. Arrears will be paid to state government employees in three installments, with the first one being paid during 2018-19.
      Several other state governments have also decided to extend 7th Pay Commission awards to their staff on lines of the recommendations by the Justice Ak Mathur-led pay panel. Uttarakhandbecame the first state to implement the Seventh Pay Commission recommendations in December 2016 even the country was reeling under demonetisation. The Harish Rawat-led government also decided to increase dearness allowance by 2 per cent.
      Uttar Pradesh was next to take up the recommendations of 7th Pay Commission. The Jammu and Kashmir government has decided to implement the pay panel recommendations from April 2018, awarding a pay hike of 23.5 per cent to its staff and pensioners.
      Following it was Haryana state government which announced that contractual employees like Anganwadi workers and data entry operators will also be covered under the revised pay package scheme. It was also reportedly the first state to revise pension according to the 7th Pay Commission recommendations. Next in line were Madhya Pradesh and Maharashtra state governments.
      Meanwhile, Rajasthan state government is still waiting for its Pay Commission to submit its recommendations. The pay panel has asked for more time to furnish its report.
      The Union Cabinet approved the recommendations of 7th Pay Commission pertaining to allowances on June 28, hiking all allowances except House Rent Allowance. Even then, central government employees will receive a bigger paycheck owing to the hike in basic pay put into effect by the 7th central Pay Commission.
      Coming under pressure from central government employees over drastic chnages in the allowance structure under 7th Pay Commission, the Cabinet formed a Committee on Allowances under Finance Secretary Ashok Lavasa last year in June. The Committee was tasked to appraise the extensive changes suggested by the 7th Pay Commission.
      The Lavasa Committee handed over its review report to the Finance Minister in April after consulting representations from various government departments. The report, post approval, was forwarded to Empowered Committee of Secretaries (E-CoS) for their consideration and consolidation who then handed it over to Finance Minister Arun Jaitley. It was later approved in presence of Prime Minister Narendra Modi.

    Tata Steel UK to sell Hartlepool SAW pipe mills to Liberty House
    • Tata Steel, India's biggest steelmaker by overall capacity, announced on Tuesday that its UK unit has signed an agreement with Liberty House Group to sell its Hartlepool Submerged Arc Weld pipe mills in Britain.
      The sale-price was not disclosed.
      The agreement covers sale of 42-inch and 84-inch pipe mills which manufacture pipelines for gas and oil projects. The facilities employ about 140 people.
      Tata Steel said it would retain its 20-inch tube mill at the Hartlepool site and will invest 1 million pounds ($1.29 million) in it.
      In February, Tata Steel UK had signed a 100 million pound deal to sell its speciality steel business to London-based Liberty House Group.

    Sensex, Nifty hit all-time highs; Infosys, Tata Motors lead gains
    • The market touched a new high on Tuesday, even as the Asian markets were trading mixed.  The Sensex on Tuesday rose 86 points to hit record high of 31802 and the broader Nifty rose to its all-time high of 9,800.
      The NSE Nifty hit  an all-time high a day after trading was halted for three hours on India's largest stock exchange follwing a technical glitch. The index   rose to its new high after trading resumed.
      On the 30-stock Sensex, Infosys, Tata Motors and Mahindra and Mahindra were the top gainers, rising 2.50 percent, 2.42 percent and 1.70 percent, respectively.
      At 10:44 AM, the Sensex was trading 76.57 points or 0.24 percent higher at 31788 level.
      The Nifty was trading near its all time high, up 30 points or 0.31 percent to reach 9801 level.
      Market breadth was positive with 1204 stocks rising against 1047 stocks falling on the BSE.
      Alembic Pharma (5.20 percent) was the top gainer on the BSE , followed by  Videocon Industries which rose 4.88 percent .
      Global markets
      Japan's Nikkei 225 index gained 0.4 percent to 20,156.64 on expectations the yen will weaken further against the dollar. Hong Kong's Hang Seng added 1.1 percent to 25,773.10. The Kospi in South Korea climbed 0.2 percent to 2,387.96 while Australia's S&P ASX 200 edged 0.1 percent higher to 5,728.60. The Shanghai Composite index slipped 0.3 percent to 3,202.21 while shares in Southeast Asia were mixed.

      WALL STREETGains by technology and materials stocks were mostly outweighed by losses among real estate companies, banks and other sectors. Macy's and other big retailers also took hefty losses. The Standard & Poor's 500 index added 0.1 percent to 2,427.43 while the Dow Jones industrial average was almost flat at 21,408.52. The Nasdaq composite rose 0.4 percent, to 6,176.39.

    IndusInd Bank net profit rises over 26% in Q1, NPA situation remains a concern
    • Private sector lender IndusInd Bank on Tuesday reported a 26.5 percent rise in net profit for the first quarter of the current fiscal.
      The lender posted Rs 836.55 crore in Q1 compared to Rs 661.38 crore for the first quarter of 2016-17.
      The bank earned Rs 4,135.51 crore in interest for the quarter under consideration compared with Rs 3,390.60 crore for the corresponding quarter of last fiscal.
      Its tax expense in Q1 stood at Rs 442.01 crore compared with Rs 341.94 crore in the year ago period.
      Net non-performing assets ratio stood at  0.44 percent in Q1 against 0.38 percent in the corresponding quarter of the previous fiscal.
      Earnings per share (EPS) basic for the quarter ended  30 June 2017 stood at Rs 13.98 compared with Rs 11.11 in the first quarter of last fiscal
      Its total income rose 21.5 per cent to Rs 5,302.77 crore as against Rs 4,363.57 crore in the year-ago period, the bank said in a regulatory filing.
      On the asset front, bank's gross non-performing assets (NPAs) rose to 1.09 per cent of the gross advances as on June 2017 compared to 0.91 per cent in the same period a year ago.
      Net NPAs or bad loans, as a percentage of net advances, were 0.44 per cent as against 0.38 per cent, a year ago.
      The lender put aside Rs 309.97 crore to cover bad loans and contingencies for April-June quarter of 2017-18, higher from Rs 230.47 crore parked for the similar quarter of 2016-17.

    General Awareness


    • 1. First bank started in India with solely Indian capital investment is:
      a) Bank of Baroda
      b) Punjab National Bank
      c) Punjab & Sind Bank
      d) Central Bank of India
      e) Canara Bank

      2. The banker acts as a Bailee and the customer as Bailor, this relationship is applicable:
      a) when a bank lends funds to a corporate customer
      b) when a bank accepts US$ FCNR deposits form a NRI customer
      c) when a customer operates a safe deposit locker
      d) when a customer keeps articles in safe custody with a bank
      e) None of the above

      3. Which of the following is not a financial intermediary?
      a) Banks
      b) Financial institutions
      c) Mutual funds
      d) Non-bank finance companies
      e) Companies engaged in manufacturing of good

      4. Acustomers lost the Fixed Deposit Receipt issued by the bank. To obtain a duplicate FD he needs to furnish:
      a) A Promissory note
      b) A collateral security
      c) A Letter of Credit
      d) An Indemnity bond
      e) Counter guarantee by the customer

      5. Reserve Bank of India's functions are classified into:
      a) Supervisory & Regulatory
      b) Promotional & Developmental 132
      c) Refinance Activities
      d) a & b only
      e) a, b & c

      6. The scope of activities undertaken by the business correspondents will not include:
      a) Disbursal of small value credit
      b) Recovery of principal/collection of interest
      c) Collection of small value deposits
      d) Payment of money on demand drafts not exceeding Rs. 1,000
      e) None of the above

      7. In strategic Alliance, the alliance partners:
      a) Merge with each other 220
      b) One partner acquires the other
      c) Remain separate entities
      d) Amalgamate with one another
      e) None of the above

      8. A company which pools money from investors and invests in stocks, bonds, shares is called:
      a) A bank
      b) An insurance company
      c) Bank assurance
      d) Mutual Fund
      e) None of the above

      9. Mr. X who is an Ordinary SB account holder of a branch wants to nominate Mr. Y, an U.S. national, who is his friend. Is that allowed?
      a) Yes it is freely permitted
      b) Yes it is freely permitted, but at the time of settlement of claim and repatriation to the
      nominee, branch has to take RBI permission
      c) Yes it is freely permitted, subject to Regional office approval
      d) Yes it is freely permitted, subject to CO approval
      e) No it cannot be allowed

      10. In a cheque, the word "Order" is changed to "bearer" by the holder of the cheque. This is called as:
      a) Endorsement
      b) Material alteration
      c) Crossing
      d) Special Crossing
      e) Allonge

      11. If a customer dies without leaving a will and the court appoints a person to handle the customer's Property. Such a person is called as:
      a) An administrator
      b) An executor
      c) A liquidator
      d) A successor
      e) An Authorised Officer

      12. Garnishee order is issued by:
      a) Judgment Debtor
      b) Judgment Creditor
      c) Reserve Bank of India
      d) The Court
      d) Income Tax Department

      13. One of the NRI customers wants to place FCNR deposits in Canadian $ with a bank. Can the
      account be opened in Canadian Dollars?
      a) Yes, his request can be accepted and open a FCNR a/c
      b) No, Bank can not accept his request to open FCNR a/c in Canadian $
      c) Will inform the customer to place FCNR in any one of the currencies (US$/ GBP/ JPY/ EUR)
      d) Can open after seeking permission from Head Office
      e) Can open after obtaining clearance from RBI

      14. Which of the following is the the First Paper Currency Note issued by the RBI bearing the portrait of King Geoge VI?
      a) Two Rupee Note
      b) Five Rupee Note
      c) Ten Rupee Note
      d) Twenty Rupee Note
      e) Fifty Rupee Note

      15. Which of the following is the scheme for skill development of minorities?
      a) Padho aur kamao
      b) Seekho aur kamao
      c) Kamao aur jiyo
      d) Padho aur Seekho
      e) None of the above

      16. Capital adequacy is worked out based on:
      a) Total demand and time liabilities
      b) Net demand and time assets
      c) Risk weighted assets
      d) Risk weighted liabilities
      e) None of the above

      17. A Co-Operative Bank operating in different States are regulated by:
      a) State Co-Operative Societies Act
      b) Banking Regulation Act
      c) Multi Unit Co-Operative Societies Act
      d) Banking Laws (applicable to Co-Operative Societies)
      e) RBI Act 1934

      18. If a cheque is accidentally torn by the drawer, the cheque ___
      a) Can't be paid
      b) Can be paid, if the holder confirms the mutilation
      c) Can be paid, if the drawer confirms the mutilation and if otherwise in order
      d) Can't be paid, even if the drawer confirms the mutilation and otherwise in order
      e) None of the above

      19. Tele banking is not based on:
      a) Virtual banking,
      b) Voice processing,
      c) Online banking
      d) a & c
      e) None of the above

      20. Cash payment of Term deposits is possible, if the amount doesn't exceed Rs.:
      a) 20,000
      b) 25,000
      c) 30,000
      d) 40,000
      e) 50,000

      21. Balance in a current account is classified as:
      a) Hybrid deposit
      b) Term deposit
      c) Demand deposit
      d) Flexi deposit
      e) None of the above

      22. The rate at which domestic currency can be converted in to foreign currency and vice-versa is known as:
      a) LIBOR
      b) Base Rate
      c) Repo Rate
      d) Exchange Rate
      e) Inter Bank Call Money Rate

      23. Hypothecation is applicable in the case of ____.
      a) Movable goods
      b) Immovable property
      c) Loan against Insurance Policies
      d) Corporate guarantee
      e) Gold Loan

      24. The minimum percentage of Priority Sector advances to be maintained by foreign banks in India with less than 20 branches is __.
      a) 40%
      b) 18%
      c) 32%
      d) 50%
      e) 60 %

      25. One of the State Government avails of a temporary financial assistance from Reserve Bank of
      India. This type of finance is called:
      a) Overdraft
      b) Temporary loan
      c) Short term finance
      d) Ways and Means advance
      e) Repo

      26. Which one of the following is known as 'Demat' account?
      a) Account in which shares are held in electronic form
      b) Other than those given as options
      c) Account allowed to be operated by guardian of minor
      d) Account operated by business correspondents in rural
      e) None of the above

      27. External commercial borrowings are governed under:
      a) Foreign Exchange Regulation Act
      b) Securitisation and Reconstruction of Financial assets and enforcement of security interest Act
      c) Debt Recovery Tribunal Act
      d) Foreign exchange management Act
      e) None of the above

      28. Maximum Bank Rate that can be declared by the Reserve Bank of India is:
      a) 6%
      b) 20%
      c) 25%
      d) 1% over MCLR
      e) No such ceiling

      29. Obligation of a Banker to maintain secrecy is applicable to:
      a) Only in case of existing deposit accounts
      b) Only in respect existing loan accounts
      c) Only in case of closed accounts
      d) All types of deposit/loan accounts (existing/closed)
      e) No need of maintaining secrecy to exhibit transparency in banking transactions

      30. A mortgage involves:
      a) Transfer of ownership
      b) Transfer of interest in Immovable property
      c) Transfer of possession
      d) a & c
      e) None of the above

      31. Bank A allows one of its clients to withdraw against clearing of a cheque. The banker is called as:
      a) Collecting Banker
      b) Holder in due course
      c) Holder for value
      d) Reimbursement banker
      e) Paying Banker

      32. As per the provisions of NI Act,1881 a banker gets protection for payment of a cheque only if it is a:
      a) Holder in due course
      b) Payment in due course
      c) Holder for value
      d) Not Negotiable Instrument
      e) All of the above

      33. SARFAESI Act 2002 is applicable to:
      a) All states excluding Jammu and Kashmir
      b) All states including Jammu and Kashmir
      c) All Banks including Foreign Banks and RRBs
      d) Only Union Terrirories
      e) b & c

      34. Management of a Bank vests with:
      a) Reserve Bank of Indian
      b) Asset Liability Committee (ALCO)
      c) Board of Directors
      d) Share Holders
      e) a & d

      35. Rajender Singh, gives a written stop payment instructions of a cheque Rs. 50/- to his banker.
      This should be treated by the bank as:
      a) A request from Sekhar
      b) An intimation from Sekhar
      c) An advice from Sekhar
      d) A mandate from Sekhar
      e) None of the above as the stop payment is for a small amount

      36. Banks can grant loans against:
      a) LIC Policy
      b) CDs
      c) FD issues other bank
      d) Mutual fund
      e) All the above

      1) b 2) d 3) e 4) d 5) e 6) d 7) c 8) d 9) b 10) b
      11) a 12) d 13) a 14) b 15) b 16) c 17) c 18) c 19) d 20) a
      21) c 22) d 23) a 24) c 25) d 26) a 27) d 28) e 29) d 30) b
      31) c 32) b 33) b 34) c 35) d 36) a

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