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1.  

Directions (Q 39–43): In the passage (3F), each number covers two blanks. Choose the pair of words that fills both blanks correctly.

Financial literacy is often (39) ________ as the ability to define terms such as compound interest or inflation. Such knowledge is useful, but it is (39) ________ enough to protect a household. A family may understand interest perfectly and still (40) ________ a loan it cannot afford, because the decision is (40) ________ by pressure, hope or a persuasive agent rather than by arithmetic.

Real literacy therefore includes habits as well as facts: the habit of (41) ________ every offer that promises unusually high returns, and of (41) ________ a second opinion before signing. Banks can help by explaining products in plain language and by (42) ________ customers about common frauds (42) ________ than burying the warnings in small print. Schools, too, have a role: a student who learns to keep a simple budget at sixteen is less likely to be (43) ________ by easy credit at twenty-five, and more likely to (43) ________ savings for the future.

Blanks (39)

Correct Answer: A [described, rarely]

Explanation:

“described … rarely” – passive ‘is often described as’; ‘useful, but … rarely enough’ needs a limiting word after ‘but’.

2.  
(Use the directions above – Cloze Test, Q 39–43)
Blanks (40)

Correct Answer: E [take, driven]

Explanation:

“take … driven” – ‘may … still’ + base verb of a harmful act (take); passive ‘is driven by’.

3.  
(Use the directions above – Cloze Test, Q 39–43)
Blanks (41)

Correct Answer: B [questioning, seeking]

Explanation:

“questioning … seeking” – ‘the habit of’ + -ing; a careful habit = questioning offers and seeking advice.

4.  
(Use the directions above – Cloze Test, Q 39–43)
Blanks (42)

Correct Answer: D [warning, rather]

Explanation:

“warning … rather” – ‘by’ + -ing; ‘rather than burying’ = instead of.

5.  
(Use the directions above – Cloze Test, Q 39–43)
Blanks (43)

Correct Answer: C [tempted, build]

Explanation:

“tempted … build” – ‘be tempted by easy credit’ (passive); ‘more likely to build savings’.

6.  

Directions (Q 44–47): Choose the word that best fills each numbered blank in the passage (3G).

Good public writing is rarer than it should be. Official notices are often so (44) ________ that the one instruction a reader needs is buried under paragraphs of repetition. Yet brevity alone is not a (45) ________: a notice that is short but vague fails just as badly. The best notices are (46) ________: each sentence can be read in only one way. Writing like this takes effort, but the effort is (47) ________ many times over when thousands of readers understand the notice at first reading.

Blank (44)

Correct Answer: E [verbose]

Explanation:

“verbose” – ‘buried under paragraphs of repetition’ = too many words; the other four all mean short.

7.  
(Use the directions above – Cloze Test, Q 44–47)
Blank (45)

Correct Answer: A [virtue]

Explanation:

“virtue” – ‘a notice that is short but vague fails’ shows that shortness by itself is not a merit.

8.  
(Use the directions above – Cloze Test, Q 44–47)
Blank (46)

Correct Answer: D [unambiguous]

Explanation:

“unambiguous” – ‘each sentence can be read in only one way’ defines unambiguous.

9.  
(Use the directions above – Cloze Test, Q 44–47)
Blank (47)

Correct Answer: B [repaid]

Explanation:

“repaid” – ‘many times over when thousands of readers understand’ – the effort brings back a reward.

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