SBI PO Main- English Miscellaneous Quiz

State bank of India’s probationary Officer’s prelims was held on the 8th and 9th of June. Students gave the exam with great enthusiasm and we also hope that you have done well. Prelims will be followed by the mains, and the date is already scheduled for 20 July this year. We know you all are full of optimism and expect your name in the cut-off list of prelims. Here is a quiz on English Language being provided by Adda247 for free to let you practice the best of latest pattern English Questions for SBI PO Examination 2019-20 so that you can make sure that this year’s PO is in your pocket. With this, we wish you all the very best for the results of prelims. Keep the preparation engines running.

Directions (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).

Q1. ----------------------------------------------------- Business is instead moving to digital-native 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.

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.

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.

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.

The uncertainty that underpins the need for insurance is now shrinking thanks to better insights into individual risks.

The data has enabled insurance companies to gauge the situation and plan accordingly.

Solution:

"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." correctly fits in to make the paragraph complete and meaningful.

Q2. By calling for exempting unionized businesses from the minimum wage, unions are creating more incentives for employers to favor unionized workers over the non-unionized 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.

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.

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.

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.

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.

Unions have been demanding democratic vaues in the work cluture but on the contrary they have been practicing dictatorial ways.

Solution:

"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." correctly fits in to make the paragraph complete and meaningful.

Q3. 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.

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.

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.

Furthermore, the link between education and earnings is notoriously fraught, with cause and effect often difficult to disentangle.

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.

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.

Solution:

"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." correctly fits in to make the paragraph complete and meaningful.

Q4. 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.

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.

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

Many of the assumptions scientists currently make about ‘cognitive decline’ are seriously flawed and, for the most part, formally invalid.

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

The reason it becomes harder to recall an acquaintance’s name as you grow older is that there are so many more of them.

Solution:

"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" correctly fits in to make the paragraph complete and meaningful.

Q5. 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 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.

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.

Apart from delaying justice, the death penalty diverts resources that could be used to help the victims’ families heal.

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.

While some victims and their families supported and some opposed the decision, any expectation that Tsarnaev will be put to death might be misplaced.

Solution:

"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." correctly fits in to make the paragraph complete and meaningful.

Directions (6-10): Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A). The Reserve Bank of India took a major lead in coordinating the work related to mechanisation in various banks and even helped them in deciding the vendors, software required etc.
B). Computers, however, were allowed only for clearing operations, inter branch reconciliation, remittances, foreign exchange dealings, investment management, personnel inventory, payrolls, provident fund, merchant banking and management information systems on credit, budgetary data and annual control returns.
C).The settlements specified that only accounting machines with attached memory modules and not computers, may be used in banks for the purpose of current accounts, deposit accounts, general ledger accounts, and cash credit and loan accounts only in urban and metropolitan areas.
D). Subsequently, in 1983, the Indian Banks Association (IBA) reached an agreement with the staff unions under which electronic ledger posting/accounting machines were allowed to be installed to support specified functional areas in branches, zonal offices, etc.
E).A major breakthrough on the question of mechanisation in Indian banks came with a significant decision given by the National Industrial Tribunal in 1981.
F).The tribunal gave unequivocal award in favour of the use of computers and other sophisticated machines with the proviso that it should not cause displacement of more than 10 percent of staff.

Q6. Which of the following should be the FOURTH statement after rearrangement?

Solution: