GK Trick



Dear Readers,

You all must have heard that the Reserve Bank of India is entrusted with the responsibility of regulating and supervising the Non-Banking Financial Companies. So, let’s discuss about what actually NBFC’s are.

About the term NBFC:

A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit fund business.

Difference between BANK & NBFC:

NBFCs lend and make investments and hence their activities are akin to that of banks; however there are a few differences as given below:

i. NBFC cannot accept demand deposits;

ii. NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself;

iii. deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in case of banks.

Different types/categories of NBFCs registered with RBI:

NBFCs are categorized

a) In terms of the type of liabilities into Deposit and Non-Deposit accepting NBFCs,

b) Non deposit taking NBFCs by their size into systemically important and other non-deposit holding companies (NBFC-NDSI and NBFC-ND) and

c) By the kind of activity they conduct.

Within this broad categorization the different types of NBFCs are as follows:

i. Asset Finance Company(AFC) : An AFC is a company which is a financial institution carrying on as its principal business the financing of physical assets supporting productive/economic activity, such as automobiles, tractors, lathe machines, generator sets, earth moving and material handling equipments, moving on own power and general purpose industrial machines.

ii. Investment Company (IC) : IC means any company which is a financial institution carrying on as its principal business the acquisition of securities.

iii. Loan Company (LC): LC means any company which is a financial institution carrying on as its principal business the providing of finance whether by making loans or advances or otherwise for any activity other than its own but does not include an Asset Finance Company.

iv. Infrastructure Finance Company (IFC): IFC is a non-banking finance company

a) which deploys at least 75 per cent of its total assets in infrastructure loans,

b) has a minimum Net Owned Funds of Rs. 300 crore,

c) has a minimum credit rating of ‘A ‘or equivalent d) and a CRAR of 15%.

v. Infrastructure Debt Fund: Non- Banking Financial Company (IDF-NBFC) : IDF-NBFC is a company registered as NBFC to facilitate the flow of long term debt into infrastructure projects. IDF-NBFC raise resources through issue of Rupee or Dollar denominated bonds of minimum 5 year maturity. Only Infrastructure Finance Companies (IFC) can sponsor IDF-NBFCs.

vi. Non-Banking Financial Company - Micro Finance Institution (NBFC-MFI): NBFC-MFI is a non-deposit taking NBFC having not less than 85%of its assets in the nature of qualifying assets which satisfy the following criteria:

a. loan disbursed by an NBFC-MFI to a borrower with a rural household annual income not exceeding Rs. 60,000 or urban and semi-urban household income not exceeding Rs. 1,20,000.

b. tenure of the loan not to be less than 24 months for loan amount in excess of Rs. 15,000 with prepayment without penalty;

vii. Non-Banking Financial Company – Factors (NBFC-Factors): NBFC-Factor is a non-deposit taking NBFC engaged in the principal business of factoring. The financial assets in the factoring business should constitute at least 75 percent of its total assets and its income derived from factoring business should not be less than 75 percent of its gross income.

Register with RBI:

A company incorporated under the Companies Act, 1956 and desirous of commencing business of non-banking financial institution as defined under Section 45 I(a) of the RBI Act, 1934 should comply with the following:

i. it should be a company registered under Section 3 of the companies Act, 1954

ii. It should have a minimum net owned fund of Rs 200 lakh.

Deposits in NBFC:

a) Presently, the maximum rate of interest an NBFC can offer is 12.5%. The interest may be paid or compounded at rests not shorter than monthly rests.

b) The NBFCs are allowed to accept/renew public deposits for a minimum period of 12 months and maximum period of 60 months. They cannot accept deposits repayable on demand.

c) The deposits with NBFCs are not insured.

d) The repayment of deposits by NBFCs is not guaranteed by RBI.

Brief about RNBC

a) Residuary Non-Banking Company is a class of NBFC which is a company and has as its principal business the receiving of deposits, under any scheme or arrangement or in any other manner and not being Investment, Asset Financing, Loan Company.

b) These companies are required to maintain investments as per directions of RBI, in addition to liquid assets.

c) The amount payable by way of interest, premium, bonus or other advantage, by whatever name called by a RNBC in respect of deposits received shall not be less than the amount calculated at the rate of 5% (to be compounded annually) on the amount deposited in lump sum or at monthly or longer intervals; and at the rate of 3.5% (to be compounded annually) on the amount deposited under daily deposit scheme.

d) Further, a RNBC can accept deposits for a minimum period of 12 months and maximum period of 84 months from the date of receipt of such deposit. They cannot accept deposits repayable on demand.

Some other regulators:

Category of Companies


Chit Funds

Respective State Governments

Insurance companies


Housing Finance Companies


Venture Capital Fund /


Merchant Banking companies


Stock broking companies


Nidhi Companies

Ministry of corporate affairs, Government of India

5 Banking and SSC : 2015 ALL ABOUT NBFC'S Dear Readers, You all must have heard that the Reserve Bank of India is entrusted with the responsibility of regulatin...

20-20 GA Capsule Quiz (RBI /Indian Economy /GDP /Rank of India)

1. The Employees Provident Fund Organisation (EPFO) increased the life insurance cover of its subscribers from 3.6 lakh to _____ rupees? 
Answer. 6 lakh rupees

2. RBI to issue which denomination coins to mark which International Yoga Day? 
Answer. 10 rupees coins

3. Who has permitted banks including Co-operative banks without ATM network to issue debit cards in tie-up with a bank that has its own network as it pushes for cashless transactions?
Answer. RBI

4. RBI signed Special Currency Swap Agreement with which foreign bank. Under the arrangement, the Central Bank of Sri Lanka can draw up to 1.1 billion US dollar for a maximum period of six months?
Answer. Central Bank of Sri Lanka

5. The Reserve Bank of India (RBI) has chosen how many out of 41 applicants to set up payments banks in the country?
Answer. 11

6. The Reserve Bank of India (RBI) declared State Bank of India (SBI) along with which bank  as Domestic Systemically Important Banks (D-SIBs) in line with the D-SIB Framework?
Answer. ICICI bank 

7. Central Statistical Office (CSO) released the estimates of Gross Domestic Product (GDP) for the April-June quarter of 2015. As per the estimates, India grew by how many  percent during the first quarter of the 2015-16 financial year?
Answer. 7 percent 

8. Current account deficit narrows to ____ percent  of GDP in April-June?
Answer. 1.2%

9. Union Railway Ministry has signed how many Memorandum of Understandings (MoUs) with Union Power and New & Renewable Energy Ministry for energy conservation, transmission and solarisation?
Answer. Four

10. The Insurance Regulatory and Development Authority of India (IRDA) has allowed banks to tie up with a maximum of ____ insurers from three segments —life, non–life and standalone health insurers — as part of the new bancassurance guidelines. 
Answer. Nine 

11. Which scheme has been acknowledged as the world’s largest cash transfer program (households) by the Guinness Book of World Records?
Answer. Pratyaksha Hastaantarit Laabh (PAHAL)

12. Finance Minister Arun Jaitley launched two funds the India Aspiration Fund (IAF) and SIDBI Make in India Loan for Enterprises (SMILE) under Small Industries Development Bank of India (SIDBI) in line to carter funding for start-ups and to aid small enterprises in India. The funds are Rs 2,000-crore India Aspiration Fund (IAF) and SIDBI Make In India Loan For Enterprises (SMILE) scheme with an investment size of Rs ______ ?
Answer. Rs 10,000 crore.

13. Union government has announced to sell how much stake in state owned Indian Oil Corporation (IOC)?
Answer. 10 percent

14. What is India’s ranks  on global peace index?Answer. 143rd
Note: Iceland tops list

15. Who expects India  to accelerate to 7.5% in FY 2016, 7.9% in FY2017 and 8% in FY 2018? 
Answer. World Bank

16. Asian Development Bank cuts India's GDP growth forecast for fiscal to ____% from 7.8 %?
Answer. 7.4 %

17. India Ranks ____  in Ease of Doing Business Among 189 Economies?
Answer. 142
Note: Singapore is at the top position, followed by New Zealand.

18. What is India’s rank World Press Freedom Index?
Answer. 136
Note: Finland on the 1st position followed by Norway and Denmark 

19. India ranks _____  on global business resilience index?
Answer. 119
Note: Topped by Norway

20. India ranked _____ in Intellectual Property Index out of total 30 countries?
Answer. 29
Note: US on top 

5 Banking and SSC : 2015 1. The Employees Provident Fund Organisation (EPFO) increased the life insurance cover of its subscribers from 3.6 lakh to _____ rupees?  ...

IBPS PO Mains: Reasoning Quiz

Directions (1-2): Study the given information carefully to answer the given questions.
Anupama starts from point K which is 8m to the east of point B. From point K, she walks 10 m to the north, takes a right turn and then walks for 5 m. She then takes a right turn, walks for 3m and stops at point M.Animesh starts from point P which is 4 m to the north of point B. From point P he walks 5m to the west, takes a right turn and walks for 3 m. He then again takes a right turn and walks for 13 m and stops at point X.

1. What is the distance between point M and point X?
(a) 3 m
(b) 10 m
(c) 5 m
(d) 11 m
(e) 8 m

2. In what direction is point K with respect to point P?
(a) South-East
(b) North-West
(c) West
(d) North
(e) South-West

Directions (3-5): Study the following information and answer the given questions.
Y is the sister of J. L is the wife of J. L has only one son R. K is the mother of L. K is married to D. D has only one daughter.

3. As per the given information, how is J related to K?
(a) Son
(b) Son-in-law
(c) Niece
(d) Nephew
(e) Daughter-in-law

4. As per the given information, how is R related to Y?
(a) Nephew
(b) Cannot be determined
(c) Uncle
(d) Niece
(e) Aunt

5. If L is the sister of B, then how is B related to J?
(a) Sister-in-law
(b) Cannot be determined
(c) Brother
(d) Brother-in-law
(e) Uncle

Directions (6-10): Read the following information and answer the given questions.
P, Q, R, S, T, U, V and W are seated in a straight line but not necessarily in the same order. Some of them are facing South while some are facing North. 
(Note : Same direction means that if one person facing North then the other also faces North and vice-versa. Opposite direction means that if one person is facing North then the other faces South and vice-versa.) T faces South. Only three people sit to the left of T. Only two people sit between T and Q.U sits third to the right of W. W is neither an immediate neighbour of T nor Q. 
W does not sit at any of the extreme ends of the line.Both the immediate neighbours  of  S face north. S is not an immediate neighbour of W. Only one person sits between S and P. P faces same direction as W. Immediate neighbours of Q face opposite directions (i.e. if one neighbour faces north then the other south and vice-versa).Persons sitting at extreme ends face opposite directions. R faces a direction opposite to S.

6. How many persons are seated between T and P?
(a) Four 
(b) More than four
(c) One
(d) Three
(e) Two

7. Which of the following pairs represents persons seated at the two extreme ends of the line?
(a) R, T
(b) P, V
(c) P, U
(d) Q, R
(e) R, S

8. Which of the following is true about V with respect to the given arrangement?
(a) Only two people sit between V and Q.
(b) Only one person sits to the right of V.
(c) None of the given options is true.
(d) U is one of the immediate neighbor of V
(e) R sits second to the right of V.

9. Who amongst the following sits to the immediate left of R?
(a) T
(b) P
(c) W
(d) Q
(e) S

10. Four of the following five are alike in a certain way based on the given arrangement and so form a group. Which is the one that does not belong to that group?
(a) R
(b) U
(c) P
(d) W
(e) T

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

5 Banking and SSC : 2015 Directions (1-2): Study the given information carefully to answer the given  questions. Anupama starts from point K which is 8m to th...

Current Affairs Revision September

1. Which bank has launched the online specific credit card — SimplyCLICK — in partnership with seven e-commerce players. The partners included Amazon India, BookMyShow, Cleartrip, FabFurnish, Food Panda, LensKart and Ola Cabs?
Answer. SBI

2. Where is the headquarter of Facebook located?
Answer. California

3. What is the name of the indigenously-developed second generation, Anti-Tank Guided Missile which is having a range of 2.8 km & was successfully test-fired at Babina Army Range, Madhya Pradesh recently?
Answer. Amogha-1

4. Name the state where the elections was to be held in five phases from October 12 to November 5?
Answer. Bihar

5. The U.S. Ambassador to India, Richard Varma, launched which movement, along with Bollywood legend Amitabh Bachchan and Ratan Tata, Chairman, Sir Ratan Tata Trusts?
Answer. ‘Mumbai Dialogue: Towards a TB-free India

6. Name the scheme which the Defence Minister Manohar Parrikar announced for the ex-servicemen. 
Answer. One Rank, One Pension (OROP) scheme

7. Name the organization which was planning to launch a nationwide e-payment literacy workshop on the occasion of World Literacy Day on September 8?
Answer. National Payments Corporation of India

8. What is the name of the mission of Railways envisaging renewal of tracks, more railway bridges, better signalling and rolling out of accident-proof coaches and engines?
Answer. Zero-accident mission

9. Who will guide Maharashtra on microfinance and how to revive dying Micro, Small and Medium Enterprises (MSMEs) in the State?
Answer. Muhammad Yunus of Bangladesh

10. What is the full form of CUS ?
Answer. Cryogenic Upper stage (CUS)

11. In which city, India sealed the deal to acquire the ownership of a three-storey bungalow, where Dalit icon and architect of Constitution Dr. B.R. Ambedkar lived as a student in the 1920s?
Answer. London

12. According to the statement of Government, how much money have been deposited in in over 17.5 crore bank accounts within a year of the launch of the Pradhan Mantri Jan Dhan Yojana, the largest financial inclusion scheme in the world?
Answer. 22,000 crores

13. What is the target set by the government for the solar power generation capacity by 2022 under the National Solar Mission?
Answer. 40,000 MW

14. In which city's airport, Prime Minister Narendra Modi inaugurated a new terminal which will handle both domestic as well as international flights?
Answer. Chandigarh airport

15. In September 2015, Moody’s Investors Service said Indian economy would grow at how much percent in the current fiscal year?
Answer. 7 per cent

16. Which country has revised its annual economic growth rate in 2014 to 7.3 percent from the previously released figure of 7.4 percent?
Answer. China

17. In which scheme of the government, the government has decided to provide an additional 50 days of manual work?
Answer. Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)

18. Which ministry has been given the administrative control of the Unique Identification Authority of India (UIDAI), which issues Aadhaar cards?
Answer. Ministry of Communication and Information Technology

19. Finance minister Arun Jaitley embarked on a four-day visit to which Asian financial hubs to convince investors of that place to invest in India’s infrastructure and manufacturing sectors?
Answer. Singapore and Hong Kong

20. Who bagged the Best Airport Award for 2013-14?
Answer. Delhi’s Indira Gandhi International Airport (IGIA)

21. With which aerospace company, the Indian Institute of Technology of Bombay will convene a summit on aerospace innovation in New Delhi?
Answer. Boeing

22. Name the scheme which is launched by government with a goal to provide 24-hour power supply to each and every house of the nation?
Answer. National Integrated Power Development Scheme (IPDS)

23. The G-20 Meeting of Finance Ministers and Central Bank Governors was held for two days on 4 September and 5 September 2015 in which city?
Answer. Ankara,Turkey

24. The 11th session of the India-UAE Joint Commission Meeting for Technical and Economical Cooperation was held in?
Answer. New Delhi

25. The fourth India-Bhutan Development Cooperation Talks for the 11th Five Year Plan of Bhutan was held in?
Answer. New Delhi

5 Banking and SSC : 2015 1. Which bank has launched the online specific credit card — SimplyCLICK — in partnership with seven e-commerce players. The partners incl...

IBPS PO Mains: English Quiz

In the  following passage, some of the words have been left out, each of
which is indicated by a number. Find the suitable word from the options given against each number and fill up the blanks with appropriate words to make the paragraph meaningfully complete.

The Ordinance to raise the foreign capital cap in insurance from 26% to 49% is not the best way to do it, as it (1) the parliament (2). Presumably, however, US President Barack Obama’s visit explains the government’s tearing hurry. New Delhi wants to show that it is resolute in (3) reform. However, it would be naive to expect that foreign investors will rush to raise their (4) in India joint ventures and infuse more funds in the sector that needs lots of capital go grow. Investors want certainty in law. Foreign partners will (5) and watch to see how things pan out as an Ordinance is a stopgap arrangement. Eventually, Parliament must approve the law.
The NDA does not have a majority in the Rajya Sabha and the Opposition must cooperate for the numbers to stack up. It has been irresponsible, just as the BJP had been, when it refused to cooperate (6) the UPA government to push this reform it had first (7). But that’s not an excuse for the Opposition to now (8) the Bill. The select committee has already (9) the amendments to the insurance law. The Congress should support its passage, more so because the NDA is only continuing with many policies (10) of the UPA.

a) encourages
b) circumvents
c) hoodwinks
d) evades
e) helps

a) method
b) procedure
c) inaction
d) process
e) growth

a) presuming
b) aggressive
c) pushing
d) hasty
e) effective

a) stakes
b) goals
c) roles
d) risks
e) profits

a) halt
b) stay
c) stop
d) think
e) wait

a) for
b) with
c) to
d) along
e) upon

a) pressed
b) intended
c) expected
d) proposed
e) submitted

a) intercept
b) precede
c) block
d) foot
e) chunk

a) vetted
b) audited
c) weighed
d) perused
e) scanned

a) actions
b) drives
c) dynamism
d) leadership
e) initiatives

Answers -
1. b
2. d
3. c
4. a
5. e
6. b
7. d
8. c
9. a

5 Banking and SSC : 2015 In the  following passage, some of the words have been left out, each of which is indicated by a number. Find the suitable word from...

Important Computers Questions for IBPS

Banking Awareness IBPS MAINS
Team Crack it brings a set of important questions for Computer knowledge. Questions related to Computers is not only important for IBPS exams but are generally asked in other Competitive Exams too. Hope you find them useful. Crack it. :)

1] ____________ controls the way in which the computer system functions and provides a means by which users can interact with the computer.

(a)The operating system
(b) The motherboard
(c) The platform
(d) Application software
Answer: The operating system

2] The difference between people with access to computers and the Internet and those without this access is known as the:
(A) Digital divides
(b)Internet divides.
(c) Web divide.
(D) Cyber way divides.
Answer: digital divide.

3] Servers are computers that provide resources to other computers connected to a:
(a) Mainfram
(b) Supercomputer
(c) Network
(d) Client
Answer: network

4] A ____________ is approximately one billion bytes.
(a) Bit
(b) Kilobyte
(c) Gigabyte
(d) Megabyte
Answer: gigabyte

5] Computers use the ____________ language to process data.
(A) Relational
(b) Megabyte
(C) binary
(d) Processing
Answer: binary

6] Who is known as Father of Computers?
(a) Charles Babbage
(b) Bill Gates
(c) Steve Jobs
(d) Alan Turing
Answer: Charles Babbage

7] ____________ is data that has been organized or presented in a meaningful way.
(a)A process
(b) Information
(c) Software
(d) Storage
Answer: Information

8] All of the following are examples of real security and privacy risks EXCEPT:
(a) Viruses
(b) Identity theft
(c) Hackers
(d) Spam
Answer: Spam

9] Which of the following is an input device?
(b) Keyboard
(c) Scanner
(d) All the above
Answer: All the above

10] The set of instructions that tells the computer what to do is
(a) Softcopy
(b) Software
(c) Hardware
(d) Hardcopy
Answer: Software

11] Which of the following stores more data?
(b) CD ROM
(c) Floppy Disk
(d) CD RW
Answer: DVD

12] ______is the heart of the computer and this is where all the computing is done.
(b) Monitor
(c) Central Processing Unit
(d) Printer
Answer: Central Processing Unit

13] One byte is equivalent to
(A) 8 bit
(b) 16 bit
(c) 32 bit
(D) 64 bit
Answer: 8 bit

14] Personal computers can be connected together to form a
(a) Server
(b) Network
(c) Supercomputer
(d) Enterprise
Answer: network

15] Choose the smallest memory size
(a) Kilobyte
(b) Megabyte
(c) Gigabyte
(d) Terabyte
Answer: kilobyte

16] The operating system is the most common type of ____________ software.
(A) System
(b) Communication
(c) Application
(d) Word-processing
Answer: system

17] The ability to recover and read deleted or damaged files from a criminal’s computer is an example of a law enforcement specialty called: (a) simulation           (b) animation           (c) robotics   (d) computer forensics.
Answer: computer forensics.

18] The base of the hexadecimal number system is
(a) 2
(b) 8
(c) 10
(d) 16
Answer: 16

19] Computer software includes
(a)Packaged programs
(b) Application programs
(c) Operating system programs
(d) All of these
Answer: All of these

20] The Operating System manages
(a) Processes
(b) Memory
(c) Disks and I/O devices
(d) All of the above
Answer: All of the above

21] Allocation of resources in a time dependent manner to several program simultaneously called
(a) Multi user
(b) multi-tasking
(c) Time sharing
(d) None of these.
Answer: time sharing

22] Multiprocessing supports more than one_____ at the same time
(a) User
(b) Process
(c) Hardware
(d) None of these.
Answer: Process

23] Which of the following are true about firewalls?
(a)Follows a set of rules
(b) Can be either a hardware or software device
(c) Filters network traffic
(d) All the above
Answer: All the above

24]1024 bytes equal:
(a) 1 KB
(b) 1 MB
(c) 1 GB
(d) 1 TB
Answer: 1 KB

25] What is e-commerce?
(a)Buying and selling computer products
(b) Buying and selling products and services not found in stores
(c) Buying and selling international goods
(d) Buying and selling products and services over the Internet
Answer: Buying and selling products and services over the Internet

26] The process of transferring files from a computer on the Internet to your computer is called
(b) Forwarding
(c) FTP
(d) Downloading
Answer: Downloading

27] A person who uses his expertise to gain access to other people’s computers to get information illegally or to cause damage is a
(a) Programmer
(b) Analyst
(c) Spammer
(d) Hacker
Answer: Hacker

28] What is the commonly used unit for measuring the sped of data transmission?
(a)Mega Hertz
(b) Characters per second
(c) Nano seconds
(d) Bits per second
Answer: Bits per second

29’Blue tooth’ technology allows
(a)Satellite communication
(b) Wireless communication between equipment’s
(c) Signal transmission on mobile phones only
(d) Landline phone to mobile phone communication
Answer: Wireless communication between equipment’s

30] All of the following statements concerning windows are true ACCEPT:
(a) Windows are an example of a command-driven environment.
(b) Windows can be resized and repositioned on the desktop.
(c) More than one window can be open at a time.
(d) Toolbars and scrollbars are features of windows.
Answer: windows are an example of a command-driven environment.

31] Verification of a login name and password is known as:
(a) Configuration
(b) Accessibility
(c) Authentication
(d) Logging in
Answer: authentication

32] ____________ is the ability of an operating system to control the activities of multiple programs at the same time.
(b) Multiuser
(c) Multitasking
(d) Simulcasting
Answer: Multitasking

33] The operating system does all of the following EXCEPT:
(a) Provide a way for the user to interact with the computer.
(b) Manage the central processing unit (CPU).
(c) Manage memory and storage.
(d) Enable users to perform a specific task such as document editing.
Answer: enable users to perform a specific task such as document editing.

34] The term ‘Pentium’ is related to
(a) DVD
(b) Hard Disk
(c) Mouse
(d) Microprocessor
Answer: Microprocessor

35] Which of the following is a valid IP address?
(c) 192.168.900.1
(d) 192.900.168.1
Answer: 192.168.900.1

36]‘LAN’ means
(a) Least Area Network
(b) Large Area Network
(c) Local Area Network
(d) Light Area Network
Answer: Local Area Network

37] Java is a
(A) Operating System
(b) Compiler
(c) Input Device
(d) Programming Language
Answer: Programming Language

38] What is the shortcut key of printing a document for computer having windows?
(a)Shift + P
(b) Alt + P
(c) Ctrl + P
(d) Ctrl + Shift + P
Answer: Ctrl + P

39] Which of the following is a correct format of Email address?
(c) Saleswebsite.info
(d) Sales.website.info
Answer: sales@website.info

40] A Web site’s main page is called
(a)Browser Page
(b) Search Page
(c) Home Page
(d) Bookmark
Answer: Home Page

5 Banking and SSC : 2015 Team Crack it brings a set of important questions for Computer knowledge. Questions related to Computers is not only important for IB...
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Concept Of Science