GDP Concept

GDP (Gross Domestic Product)

Ø  Total market value of all the final goods and services produced in a specific time period, often annually

GNI (Gross National Income) –

GDP at market price

+

Tax less subsidies on product & import (Net receivable from abroad)

+

Compensation of employees (Net receivable from abroad)

+

Property income (Net receivable from abroad)

GNP (Gross National Product) –

GDP

+

Total Capital gain from overseas investment

-

Income gain by foreign nationals domestically

GNP = GDP + NP (Net income from assets abroad (Net Income Receipts))

# According to National Income Accounting, there are three ways to compute GDP

1.       Expenditure wise

2.       Income wise

3.       Product wise

1. Expenditure Wise -

GDP = 

Consumption

(Food, household, medical expenses, rent etc.)

 + 

Gross Investment

 +

 Govt. Spending 

(Sum of Govt. expenditure on final goods & services)

+

 (Export – Import)

i.e GDP = C + I + G + (X-M)

2. Income Approach –

GDP =

Compensation of employee

(Wages, salary & other employ supplement)

+

Property income

(Corporate profit, Proprietor’s incomes, interest and rents)

+

Production taxes and depreciation on capital

GDP at market price

Ø  Value of output at market prices after adjusting for the effect of indirect taxes and subsidies on the price.

Market price

Ø  The economic price for which a good or service is offered in the market place.

GDP at factor cost

Ø  The value of output in terms of the prices of factors used in its production.

GDP at factor cost = GDP at market prices – (indirect tax – subsidies)

3. Product Approach 

# Real GDP or GDP at constant price – 

Ø  Value of today’s output at yesterday price 

# Nominal GDP or GDP at current price –

Ø  Value of today’s output at today’s price

Read More

THE IMPORTANT POINTS TO BE KEPT IN MIND TO FACE THE INTERVIEW

THE FOLLOWING ARE THE IMPORTANT POINTS TO BE KEPT IN MIND TO FACE THE INTERVIEW AND TO BECOME SUCCESSFUL IN THE INTERVIEW.

Before attending interview, go through the systems and procedures of your department. Please gather information on your Zone/Region such as, who is the Zonal/Regional Head, Zonal/Regional Business, Targets and recent achievements. Your Branch figures in terms of Deposit, Advances, NPA and recovery. Special initiatives of your Region and branch to achieve targets or to improve the image of the Bank/Branch. Your active involvement in such activities of the Bank/Region.

• Ensure to be at the venue at least 30 mins before the intimated time as per your call letter issued by RO.
• Have pleasant clothes as your dress code. Try to avoid very dark colored dresses.
• Clothing should be neat, clean, and pressed
• Remember to wear your identity card on you.
• You may enter the room where the interview is conducted only when you are called, Say Good Morning, looking at the Panel Head and other members.
• When offered seat by the panellists, remember to say THANKS.
• Sit Straight and relaxed. Please avoid sitting at the edge of the seat. Do not lean too much forward or backward.
• Please remember that your Bio-Data (wherein all the personal details of you) is with the Panelists and they may start questions from your personal details.
• When asked a question , answer him/them by looking straight at them.
• Avoid looking up/down or on sides while answering the question.
• Be firm but polite. Try not to provoke or get provoked during the interview.
• Please go through the day’s News paper and note down the important events that is available in the news paper of the day. Especially on RBI, IBA, Banks, Economic views. No politics inside the interview hall even if your are asked. Please gently avoid questions on politics. (normally no question on politics)
• There may be questions on the place from where you hail. (Eg. Quilon – Known for
cashew, Trichur – Cultural city, Trivandrum – State capital etc.,)
• Panelists may ask about a particular incident that happened in your branch if they know.
Please try to place only the facts known to you.
• Normally the questions will start from your personal matters and thereafter from the
section you handle. Try to understand the section you are handling and the importance
of your section.
• If for any question you do not know answer, please inform the panelists, that you do not
know and you shall learn. Please do not try to give a wrong answer. This will be taken
as a negative attitude.
• Be positive while you are attending the queries from the panellists.
• All the panelists are seniors and superiors to you. Hence extend the necessary respect to
them even if they are known to you as Branch in charge or otherwise.
• Your knowledge is already tested and you have come out successful and this interview
is only a test of your attitude. Hence express your positive approach to the panelists.
• No arguments with panelists even if they are wrong. Gently and politely tell your views.
• Whenever you are offered Coffee/Sweets/Snacks say thanks and if you do not require
gently tell them that you do not want.
• Be bold to face the interview, and do not be nervous and be firm in your answer if you
know the answer fully.
• Once you start answering question, they may switch on to the next question.
• Face to face contact is most important while answering any question.
• The interview will be for a few minutes and normally do not be a lengthy one as they
need to interview more candidates.
• Please avoid speculating amongst the candidates while sitting prior to the interview. You
can talk to each other but avoid noises which may affect the panelists inside the interview
hall.
• Please note not to hurt the panelists in any form. Be polite and gentle while answering.
• After the interview is over, remember to say thanks to them while coming back out of
the interview hall,

Interview is after all a test of your attitude in few minutes/hours and your positive approach
during that time will ensure good marks from the panelists. Interview is an experience, enjoy
it and do not be nervous to face the same. The panelists were like you earlier as officers etc
who have become seniors and superiors. Hence they also know your strong/weak points. Try
to exhibit only strong points before the interview by your POSITIVE ATTITUDE.

We wishes you success in the interview process and we wish you become an Officer of our
Bank.

With best of luck.

#copied from social media

Read More

Promotion Exercise JMG S I to II (08.02.2020)

Question and Answer Based on Memory

1. Which is not one of the panchasutrast in SHG -Regular Audit

2. Full form of HFT- held for trading

3. TAT for gold loan in gold loan shopee - 15 minute

4. Full form of ECNOS- Export Credit not other Specified

5. Gold loan is- Demand Loan

6. Minimum Bal for RD in rural areas - Rs 50/-

7. Frequency Compounding of interest in RD - Quarterly

8. Full form of IMPS - Immediate payment service

9. Who issue Demand notice under SARFAESI - Authorized Officer

10. LTV of 36 LAKHS – Rs. 28.80 Lacs (Margin is 20%)

11. QAB Start up c/a - Rs 75000/-

12. QAB OF Scale up c/a - Rs 2,50,000/-

13. Full form of SARFAESI- Securitization and Reconstruction of Financial Asset And Enforcement of Security Interest

14. Full Form of CPPC and where it is located - Central pension processing centre at GANDHI NAGAR

15. Full form of NPCI- National payments Corporation of India

16. VISA platinum Daily Cash withdrawal Limit -1 Lac

17. IMPS Revised Limit Per day - 2 Lacs

18. Other Bank Credit card payments done through which menu in Finacle 10 -  HPORDM

19. Which menu is used for NEFT/RTGS transactions in Finacle 10 - HPORDM

20. In Planters Card Scheme, the annual limit should be reviewed by - 31st July

21. Savings Account ROI will credit in - BKC OD Facility

22. Maximum Loan in BKC Tatkal Scheme is - 3 Lacs

23. Maximum Accidental Insurance cover in BKCC is – Rs. 50,000/-

24. Margin in Financing of Tractor in new scheme for Agriculture cum commercial end use is -20%

25. Maximum Loan limit in Golden Jubilee Rural Housing Finance Scheme is - 100 Lacs

26. Collateral Free Loan limit in Baroda Education Loan for Executive Development program is - 15 Lacs

27. What is the margin for Loan against NSC/LIC if the residual maturity is less than 3 yrs - 15% of face value

28. What is the minimum Cut off to give Loan against LIC - 3 Yrs

29. Charge against LIC - Assignment

30. DLP of Scale III Manager in Baroda Mortgage Loan is - 25 Lacs

31. What is payment in Due course - Payment in good faith and without negligence to any person

32. ROC satisfaction of Charge - CHG 4

33. Limit for Pre approved Housing Loan without Income Doc's - Rs 20 Lacs

34. Which variant for Baroda Gift Card - VISA

35. What is the relation b/w Bank and the customer if the customer left articles unknowingly - Trustee and Beneficiary

36. Whose right is Right to set off - Banker’s Right

37. What is General Lien? -On all securities Generally(Not remembered exactly)

38. Ware House Receipts Margin - 30%

39. What % will deduct for premature withdrawal -1%

40. First Sweep Occurs When the Balance reaches to ----- in Super Savings A/C- Rs 50,000/-

41. QAB for super Savings Account - Rs 20,000/-

42. Minimum Flexi fixed Deposit Amount in BOB Suvidha is -

43. Non Maintenance of QAB in Small Current A/c – Rs 300 + GST

44. Minimum Bal to open Baroda Advantage CA in Rural Areas -  Rs 2000/-

45. Total Number of A/c's linked to Debit card - 9

46. Demat Account Software - DEBOS

47. Full form of NCLT - National Company Law Tribunal

48. Bank Of Baroda founded with Paid up capital  -  10 Lacs

49. For change of Interest in OD/CC Accounts - HINTTM

50. What we can modify in finacle for APY - Mobile no and E mail

51. Interest Subsidy in Moratorium Period for Padho Pardesh Scheme - 100%

52. Name of Govt a/c SB-129 - Baroda Govt Bodies Account

53. Intangible Asset - GOOD WILL

54. Received  Commission from Govt a/c is - Non Fee based Income

55. Lakshya Scheme is for - One Time Settlement

56. Handing over of Mortgage Related Doc's to customer in - 15 working days

57. Baroda E kart can be canvassed to - Kirana Shops

58. What is the Insurance covered in Sehat Suraksha Accounts during Campaign is - Rs 1 Lac

59. Corporate Advertising means -

60. Last stage in selling is - Closing

61. Minimum period of Notice by bank for auction of property after taking possession under SARFAESI Act is - 30 Days

62. In compromise Settle account When the valuation is required - 5 Cr and above

63. The borrower who has disposed off the assets created out of bank's loan without the knowledge of the bank is called -  Wilful Defaulter

64. Tie up for Drip/ Sprinkler Irrigation is - Finolex Plassion Industries Pvt ltd

65. The Public Money Recovery of Dues Act is being recovered as an arrear of - Land Revenue

66. Full form of MDRT - Million Dollar Round Table.

67. Appraisal System - Baroda GEMS

68. To get benifit under Section 80c,What is the maximum period under ELSS - 3 YRS

69. Maximum Loan under LIC - Unlimited (NO Limit)

70. Maximum Loan of the regular pensioner, if age is 68 yrs -Rs 8 Lacs

71. What % of tax for senior citizens if there is no pan in his account - 20%

72. Hypothecation charge on vehicle is registered in which portal - VAHAN

73. Full form of MMID - Mobile money identifier

74. Not in Negative list of PMEGP activities - Making JUTE bags

75. Option not available in M-Connect plus is - Blocking Credit Card

76. Baroda Prime credit card is for - Against 100% FDR

77. Nodal Agency at national level of PMEGP is – KVIC (khadi and villag Industries Commission)

78. Subsidy of Promoter's contribution in General Category of PMEGP is - 10%

79. CRILIC is for - 5 CR

80. Limit for Retail Customers to self Linked ccounts in Baroda Connect is - Unlimited

81. Who can issue Recovery Certificate for Recovering Bank Dues - High court (NOT SURE)

82. To whom bank has to submit compromise proposal in cases where CBI investigation - COCC ED

83. Relation b/w price and yield - INVERSE

84. Banner AD'S are which type of marketing - Product Marketing(May be Outdoor Marketing)

85. Agriculture sector advances will become NPA if not review for how many days -  180 Days

86. Stock Audit for NPA/TWO/PWO Accounts done for limit - 5 CR

87. Priority Sector lending norms for Export credit is - 40 cr

88. The liability which can be crystallized at any time but not on the date of bal sheet is - Contingent Liability

89.A & B are Holders of FD, the holder A died and Holder B died in a week - Legal Heirs of A & B (NOT SURE)

90. Launch Saving a/c linked with Health Insurance – Baroda Sehat Suraksha

91. What is the menu for inquiry about different charges debited to customers during the given period in Finacle 10 - HCCI

92. Same as Q.NO.91

93. What is not the current Liability - Shares/ Debentures held more than a year

94. Valuation at the time of Compromise is - Realizable value

95. Valuation takes after - 3 Yrs

96. Which is not one of the fixed asset - Patent

97. The LC raised and the same amount limit of Lc (Something) - Revolving LC

98. Applicant in case of LC is - Importer/buyer

99. Business Commencement date to be entered in - MCEC

100. Under which Section Right to representation in SARFAESI - Section 13(3A)

101. Weightage for ULIPS & GCL Regular - 25%

102. Date of Birth updated through - DOBVER

103. To attain Senior citizen ROI, where to update - It will update automatically

104. IRDA IC 38 Qualified called - Specified Person

105. If the loan account is due the status on which day due is called - Overdue

106. Baroda Pensioner OD Limit - 2 Months Pension

107. Appraiser Age can relax by RM up to - 70 yrs

108. Baroda Tax Savings FDR cannot open by - Company

109. Question on Banner AD

110. Vetting of Loan Documents - 10 Lacs

111. Toll collection - Baroda Fastag

112. Bulk Deposit - 2 CR

113. BOB Suvidha ffd -MIn 5k in multiples of 1000/-

Continue…

(Disclaimer – All the questions are based on memory as received by sources, if any answer is not correct and need any modification then suggest me in comment box.)

Your welcome

Read More

PROMOTION EXCERCISE JMG 1 TO 2 (30.12.2018)

QUESTION AND ANSWER BASED ON MEMORY

1. Bank of Baroda found with paid up capital - 10.00 Lac
2. RBIA full Form – Risk Based Internal Audit
3. Marks allocated for Mandatory courses in GEMS – 1 mark
4. How many grading consist in GEMS – 5 (AA, A, BBB, BB, B)
5. Name of initiative taken for next generation – WeLead (as per option)
6. Bank has start a program for professional courses and development of employee – SPEED
7. Bank provide welcome kit consist of – Thanks letter, ATM card, cheque
8. one of Payment gateway ask – RozarPay (as per option)
9. Maximum Limit of Skill India Loan – 1.5 Lac
10. Who can appoint recovery agent – Chief Manager
11. In Baroda Ashray Loan at the time of repayment first provide chance to legal heirs for – 2 month
12. Full form of UFCE- Un-hedged foreign currency exposure
13. Full form of ICAAP – Internal Capital Adequacy Assessment Process
14. Along with SIDBI how many PSU banks include in loan in 59 minutes – 6 bank
15. Baroda Tankerz scheme is part of – Stand up India scheme
16. In Commercial vehicle finance which segment is not include – Gold Strategy fleet
17. As per company act 2013 maximum no of member in Private Ltd Co – 200
18. STR full form – Suspicious Transaction Report
19. Limited mortgage year – 12 years
20. LIC what type of security in Loan against LIC – Assignment
21. In premier Current Account what are the DD/BC concession charge – 50%
22. Rupay Platinum Card issued in which type of salary variant : Baroda Premium Salary A/c
23. Minimum amt. of Term Deposit in Baroda Bachat Mitra - 10000/-
24. Maximum limit in Metro in Baroda Trader Loan - 1000 Lac
25. Maximum Limit for Baroda Mortgage Loan in Urban Area - 500 Lac
26. Co-applicant age in Housing Loan – 18 years
27. Min. Age to open Baroda salary account – 18 years
28. how many days’ notice issued to auction of ceased car – 30 days
29. Margin for Baroda Farmer new four wheeler vehicle Loan - 15%
30. Margin for Car loan – 10%
31. Baroda Salary advantage account minimum take home salary for OD – 5000/-
32. Baroda Salary advantage OD facility should be in credit in maximum days – 60 days
33. Baroda Super salary account OD facility sanction after how many salary credit – Two salary
34. If some one get 40000/- pm salary which salary variant suggested : Baroda salary Classic
35. Education Loan subsidy lodged menu – EDULOANM
36. Revised name of Domestic Loan Policy – Group Credit Exposure Management Policy
37. Maximum household income for eligibility of education loan subsidy – 4.5 Lac
38. Baroda Bachat Mitra Max. OD faclity – 100000/-
39. Baroda Champ total transaction limit – 5000/-
40. Pension scheme for un-organized sector – Atal Pension Yojna
41. PPF account can be extend for how many years in once – 5 years
42. Minimum amt for Baroda Tax Saving FDR – 100/-
43. Minimum Age for APY – 18 years
44. Atal pension Yojna is orgnized by - PFRDA
45. Minimum Age of insurance on rupay debit card: 5 year
46. Baroda connect OTP period - 3 Minute
47. OLTAS full form – On Line Tax Accounting System
48. Baroda Prime credit card issued against security – 100% FDR
49. Amortization schedule printing Menu after loan – HLARSH
50. Maximum Limit of Smart Phone sanction for Farmer – 10000/-
51. Max. Limit of Warehouse to individual Farmer – 50.00 Lac
52. Food and Agro processing WC assessment – 20%
53. NPV while calculating compromise – 12%
54. If a loan account in credit than how to debit account – HPAYOFF
55. PMFBY decided by authority – District level technical committee
56. In recovery initiation of SARFAESI officer called – Authorized officer
57. NPA report Menu – NPARPT
58. modification of Activity code in the account – HACM
59. Full Form of EMV – Europay, Master, VISA
60. What is the name our bank A category foreign business branch – Specialized integrated Branch
61. What is the Full form of CGFMU – Credit Guarantee Fund of Micro Units
62. File within 7 days of initiating action under Section-13(4) for possession – CAVEAT
63. Depository services related question - DEBOS
64. What is MTM - Mark to Market
65. How many services available at BC – 11 or 12
66. For Baroda Classic salary account relationship manager provide which type of service – Phone
67. Net Relationship Value (NRV) in Baroda Radiance eligibility – 50 Lakh and above
68. Full form of FOB – Free on Board
69. Rate of Interest on Sovereign gold bond – 2.5%
70. Who issue Sovereign gold bond – RBI
71. When a loan amt. not paid on due date it is converted in – Overdue
72. Employee failed to keep confidentiality of customer comes in which core value – Integrity
73. Employee “Gold quality work done” in which core value – Customer Centricity (Ans. None)
74. Which product Pre approve not available – Baroda Trader Loan
75. In Balance Sheet how goodwill shows – Intangible Asset
76. In Balance sheet which is not a Fixed asset – Patent
77. Which is Fund based facility – Bill discounting
78. A term loan EMI in a year from as on date will show in balance sheet – Current Liability
79. If term loan EMI paid after 1 year – Non current Liability
80. One question related to “Hand Holding” period – Two Month
81. ___ is one where a suspicion of fraudulent activity is thrown up by the presence of one or more Early Warning Signals (EWS)- Red Flagged Account
82. External rating in respect of credit proposal with exposure above - Rs.5.00 CR
83. Mono Crop BKCC due period – 12 month
84. Scheme for Warehouse account – CC007
85. NRO Term deposit Maximum period – 120 month
86. A borrower in SARFAESI action after taking possession create obstruction to sale the property is called – Non-cooperative
87. in BKCC account Menu for bifurcation of Subvention and non subvention limit – HACLHM
88. LAD date modification in Loan account Menu – HACMLA
89. For export a person compulsory – Export Import Code
90. Bill Purchase (BP)/Bill discounting (BD) modification menu – HACMBP
91. BEP numerical question – 5000/-
92. Total Group Term Life Insurance for staff – 20 Lac
93. Maximum Room tariff available for staff medical insurance – 4000/-
94. Concession of ROI for girls in Baroda Vidhya Loan – 0.50%
95. Menu for inquiry of inventory after transfer in other branch – HIMI
96. What is ONUS ATM – Our customer with our ATM
97. Maximum coverage of Micro and small enterprises in CGTMSE – 200 Lac
98. Bank in Letter of Credit deal in – Document
99. Full form of NCLT – National Company Law Tribunal
100. Number of inquiry of Aadhar linking in account - *99*99#
101. Mutual agreement between borrower and creditor where provision not require– Compromise
102. At which minimum amt in super saving first auto sweep held – 60000
103. Food processing adhoc limit – 10%
104. full form of SWIFT – Society for worldwide interbank financial telecommunication
105. Risk related question – Operational Risk
106. In housing Loan cut off marks for eligibility out of 168 – 96
107. How much landholding categorized a small farmer – 1 to 2 hectare
108. Moratorium period in Baroda premier education loan – Course period + 1 year
109. Full form of LLPS – Loan lifecycle Processing system
110. TOM transaction reconcile at – next day from the transaction date
111. In LC who is applicant – Importer/Buyer
112. USD 1 = Rs. 71.10 which type of quote – Direct Quote
113. EEFC account type – Current Account
114. In pre approved house loan max limit for document not required – 20 Lakh
115. In retail loan vetting have to done above from – 10.00 Lakh
116. Margin in Pharm maintenance loan – 25%
117. Max limit where collateral not required in Micro and small enterprises - 10 lakh
118. NEFT received remitter verification Menu – HPORDM
119. Reimbursement of housing loan for purchase/construction maximum month ago – 24 month
120. Insurance amt. available on Rupay Card – 100000/-

Read More

Question-Answer

Q 1 You have received proposal for construction of compos pit and purchase of related equipment for setting up vermicompost unit.  You will not stipulate margin provided the loan is _____ and not stipulate collateral security provide the loan is_____.

a) 25,000 an Rs. Rs. 50,000
b) Rs. 1.00 lakh for both
c) Rs. 1.60 lakh for both
d) Rs. 1.60 lakh and Rs.1.00 lakh

Q 2 The process whereby fertilizers are injected for soil amendments, water amendments, and others amendments generally related with irrigations system, is known as

a) Neo-irrigation
b) Fertigation
c) Chemigation
d) Nurugation

Q 3 National Horticulture Board is located at

a) New Delhi
b) Gurgaon
c) Patiala
d) Palampur

Q 4 It is estimated that startups in year 2019 created indirect jobs to the extent of

a) 1 million
b) 1.5 million
c) 3 million
d) 0.5 million

Q 5 A Regional Rural Bank has made huge gains on account of sale of assets and gain has been taken to Capital Reserve Account.  For the purpose of Capital Adequacy norms, this will be reckoned as

a) Common Equity Capital CET 1
b) Additional Tier I Capital
c) Tier II Capital
d) Not to be reckoned for the purpose of CAR

Q 6 Sovereign Gold Bonds issued by Government of India are held as Bond Ledger Account (BLA).   Your bank proposes to extend loan against security of these bonds. How will you mark lien against this security?

a) SGBs held in BLA cannot be accepted as security

b) The lien can be marked with the depository
c) The lien can be marked in E Kuber portal
d) The lien for BLA bonds are to be marked on Certificate of Holding

Q 7. The RBI has directed the banks to ensure NEFT facility to customers on 24 x 7 hours basis on all days including holidays. The NEFT Facility post banking hours will be available to the customers through

a) Online Gateway
b) Straight Through Process
c) Connect Servers
d) PoS

Q 8 The ______ is the confirmation message given to Customers for NEFT credit

a) N10
b) N11
c) ST10
d) ST11

Q 9  An asset reconstruction company cannot acquire financial assets on bilateral basis from the following  (Mark the answer which contains the correct options)

i) Bank/FI which is sponsor of ARC
ii) Bank/FI which is lender to ARC
iii) Bank/FI which is subscriber to the ARC
iv) An entity in the group to which ARC belongs
a) All are correct
b) only (i)
c) (i) (ii) and (iii)
d) (i) (ii) and (iv)

Q 10 REPO transaction means offering security and obtaining funds against that security, with an agreement to reverse the transaction on maturity of transaction.  The first leg the transaction is completed on

a) The day of transaction
b) next day of transaction
c) On (a) or (b)
d) T+0, or T+1 or T+2

Q 11  The last security to be added in the list of securities against which a repo transaction can be completed.

a) Units of Debt Exchange Traded Funds
b) Certificate of Deposit
c) Commercial Paper
d) Bharat ETF

Q 12 In a repo transaction the value of security, against which repo transaction is made, is valued on day of last leg __________

a) Market Value on the day of last leg
b) Market value as arrived on the day of first leg
c) Market value as arrived on the day of first leg plus interest
d) Not required to be arrived

Q 13 Who among the following has been appointed as Head of National Stock Exchange

a) Ashok Chawla
b) Girish Chaturvedi
c) Lini Sajeesh
d) Ripu Daman

Q 14  Which of the following is true regarding Small Finance Banks

i) Resident Individuals can float a Small Finance Bank
ii) Corporates can float a Small Finance Bank
iii) The minimum capital required is Rs. 200 Cr
iv) The minimum capital required is Rs. 100 Cr
a) (i) (ii) and (iii)
b) (i) (ii) and (iv)
c) (i) and (iii)
d) (ii) and (iii)

Q 15 An individual alongwith relatives can have maximum _____ of paid up voting equity capital in a small finance bank.

a) 15%
b) 10%
c) 26%
d) 40%
Answers

1-c        2-b       3-b       4-b       5-a        6-c        7-b       8-a        9-a        10-c

11-a      12-c      13-b      14-a      15-b

Read More