Study the following graph carefully to answer the questions that follow:
Number of students(in hundreds) from two different schools who qualified in an exam in six different years.

What is the approximate percent increase in the number of students who qualified in the exam from School Q in the year 2007 as compared to the previous year?

Study the following graph carefully to answer the questions that follow:
Number of students(in hundreds) from two different schools who qualified in an exam in six different years.

What is the ratio of the number of students who qualified in the exam from School P in the year 2005 to the number of students who qualified in the exam from School Q in the year 2008?

Study the following graph carefully to answer the questions that follow:
Number of students(in hundreds) from two different schools who qualified in an exam in six different years.

What is the difference between the total number of students who qualified in the exam in the year 2005 from both the schools together and the total number of students from School-Q who qualified in the exam over all the years together?

Study the following graph carefully to answer the questions that follow:
Number of students(in hundreds) from two different schools who qualified in an exam in six different years.

Total number of students who qualified in the exam from School-P over all the years together is approximately what percentage of the total number of students who qualified in the exam from both the schools together in the years 2006 and 2007?

Study the following graph carefully to answer the questions that follow:
Number of students(in hundreds) from two different schools who qualified in an exam in six different years.

If 40 percent of the total students who qualified in the exam from both the schools together over all the years are females, then what is the total number of males who qualified in the exams over all the years from both the schools together?

If 50% of (P – Q) = 30% of (P + Q) and Q = x% of P, then the value of x is:

Pawan kaul earns 15 percent on an investment but loses 10 per cent on another investment. If the ratio of two investments is 3 : 5, then the combined loss percent is

The average mark obtained by a student in 6 subjects is 88. On subsequent verification it was found that the marks obtained by him in a subject was wrongly copied as 86 instead of 68. The correct average of the marks obtained by him is :

The sum of four consecutive even numbers is 748. The smallest among them is ;

The ratio of milk and water in mixtures of four containers are 5 : 3, 2 :1, 3 : 2 and 7 : 4 respectively which have equal volumes. In which container is the quantity of milk is minimum?

A person lends 40% of his sum of money at 15% per annum, 50% of rest at 10% per annum and the rest at 18% per annum rate of interest. What would be the annual rate of interest, if the interest is calculated on the whole sum?

Table given below shows the ratio of male to female and total population of different states in 2011 and 2012.

What was total number of males in U.P. in year 2011 and females in same state in year 2012? (in lakhs)

Table given below shows the ratio of male to female and total population of different states in 2011 and 2012.

What is the ratio of total number of females in H.P. in both years to the total number of females in B.P. in both years?

Table given below shows the ratio of male to female and total population of different states in 2011 and 2012.

If male of M.P. in year 2011 are of three category i.e. General, OBC and SC which are in ratio 3 : 3 : 2. Then find the difference between males of General and SC category.

Table given below shows the ratio of male to female and total population of different states in 2011 and 2012.

Male in state B.P. in year 2012 is what percent more or less than that of male in same state in year 2011 ?

Table given below shows the ratio of male to female and total population of different states in 2011 and 2012.

If 24% of males of state A.P. in year 2012 went to state U.P. in same year, then what is the percentage increased in the population of state U.P.?

Study the following information carefully and answer the question given below: 
Eight friends A , B, C, D, E, F, G and H are sitting in a row facing north .All of them like different food items , viz. Pizza, Burger,Dosa,Upma,Pav bhaji,Uttapam,Vada pav and Pasta.
There is only one person between C and the one who likes Vada pav.G is neither an immediate neighbour of C nor he likes Upma.A sits fourth to the left of the one who likes vada pav but she does not like Pizza.The person who likes Uttapam is third to the right of the one who likes Upma. The one who likes Upma sits at one of the extreme ends of the row. B does not like Upma.F is an immediate neighbour of both G and C.H sits at one of the extreme ends of the row but she does not like Upma.The one who likes Pasta sits second to the right of the one who likes Dosa.The ones who like Uttapam and Pizza are immediate neighbour.E sits third to the left of C and likes Pav bhaji.There is only one person between the persons who like Pav bhaji and Uttapam.The person who likes Uttapam sits on the immediate right of A.

How many persons are there between D and B?

Study the following information carefully and answer the question given below: 
Eight friends A , B, C, D, E, F, G and H are sitting in a row facing north .All of them like different food items , viz. Pizza, Burger,Dosa,Upma,Pav bhaji,Uttapam,Vada pav and Pasta.
There is only one person between C and the one who likes Vada pav.G is neither an immediate neighbour of C nor he likes Upma.A sits fourth to the left of the one who likes vada pav but she does not like Pizza.The person who likes Uttapam is third to the right of the one who likes Upma. The one who likes Upma sits at one of the extreme ends of the row. B does not like Upma.F is an immediate neighbour of both G and C.H sits at one of the extreme ends of the row but she does not like Upma.The one who likes Pasta sits second to the right of the one who likes Dosa.The ones who like Uttapam and Pizza are immediate neighbour.E sits third to the left of C and likes Pav bhaji.There is only one person between the persons who like Pav bhaji and Uttapam.The person who likes Uttapam sits on the immediate right of A.

Who among the following is an immediate neighbour of the person who like Uttapam and Pav bhaji?

Study the following information carefully and answer the question given below: 
Eight friends A , B, C, D, E, F, G and H are sitting in a row facing north .All of them like different food items , viz. Pizza, Burger,Dosa,Upma,Pav bhaji,Uttapam,Vada pav and Pasta.
There is only one person between C and the one who likes Vada pav.G is neither an immediate neighbour of C nor he likes Upma.A sits fourth to the left of the one who likes vada pav but she does not like Pizza.The person who likes Uttapam is third to the right of the one who likes Upma. The one who likes Upma sits at one of the extreme ends of the row. B does not like Upma.F is an immediate neighbour of both G and C.H sits at one of the extreme ends of the row but she does not like Upma.The one who likes Pasta sits second to the right of the one who likes Dosa.The ones who like Uttapam and Pizza are immediate neighbour.E sits third to the left of C and likes Pav bhaji.There is only one person between the persons who like Pav bhaji and Uttapam.The person who likes Uttapam sits on the immediate right of A.

Who among the following likes Dosa?

Study the following information carefully and answer the question given below: 
Eight friends A , B, C, D, E, F, G and H are sitting in a row facing north .All of them like different food items , viz. Pizza, Burger,Dosa,Upma,Pav bhaji,Uttapam,Vada pav and Pasta.
There is only one person between C and the one who likes Vada pav.G is neither an immediate neighbour of C nor he likes Upma.A sits fourth to the left of the one who likes vada pav but she does not like Pizza.The person who likes Uttapam is third to the right of the one who likes Upma. The one who likes Upma sits at one of the extreme ends of the row. B does not like Upma.F is an immediate neighbour of both G and C.H sits at one of the extreme ends of the row but she does not like Upma.The one who likes Pasta sits second to the right of the one who likes Dosa.The ones who like Uttapam and Pizza are immediate neighbour.E sits third to the left of C and likes Pav bhaji.There is only one person between the persons who like Pav bhaji and Uttapam.The person who likes Uttapam sits on the immediate right of A.

Who among the following sits on the immediate left of the one who likes Pasta?

Study the following information carefully and answer the question given below: 
Eight friends A , B, C, D, E, F, G and H are sitting in a row facing north .All of them like different food items , viz. Pizza, Burger,Dosa,Upma,Pav bhaji,Uttapam,Vada pav and Pasta.
There is only one person between C and the one who likes Vada pav.G is neither an immediate neighbour of C nor he likes Upma.A sits fourth to the left of the one who likes vada pav but she does not like Pizza.The person who likes Uttapam is third to the right of the one who likes Upma. The one who likes Upma sits at one of the extreme ends of the row. B does not like Upma.F is an immediate neighbour of both G and C.H sits at one of the extreme ends of the row but she does not like Upma.The one who likes Pasta sits second to the right of the one who likes Dosa.The ones who like Uttapam and Pizza are immediate neighbour.E sits third to the left of C and likes Pav bhaji.There is only one person between the persons who like Pav bhaji and Uttapam.The person who likes Uttapam sits on the immediate right of A.

Who among the following sits third to the Right of the person who likes Burger?

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

What is attracting the insurance companies towards the villages in India?

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

Many insurance companies are tailoring their policies to meet the requirements of rural people because

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

What would be the possible outcome if insurance firms launch policies with heavy premium amounts in village areas?

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

What does the emerging markets’ per capita spending on life insurance of $46 against developed markets’ $ 1,887 reflect?

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

Which of the following is ‘true’ in the context of the passage?

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

What makes insurance firms forgo the usual death certificates for death insurance claims in villages?

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

Choose the word which is the same in meaning as the word given in bold as used in the passage.
TAILORING

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

Choose the word which is the same in meaning as the word given in bold as used in the passage.
MONOPOLY

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

Choose the word which is the most opposite in meaning of the word given in bold as used in the passage.
UNFORESEEN

Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.
Insurance companies are widening their net and looking at India’s vast hinterland. Global insurance majors such as AIG and Aviva increasingly see rural India as a growth area. One of the reasons for this is the huge gap in per capita spending on life insurance between developed and emerging markets. While developed markets spend $1,887 on life insurance, emerging markets spend only $46. It’s no surprise that many companies are targeting the rural population and tailoring their policies to meet the requirements of this segment. So villagers now have the option of insuring their cow or television set for as low as Rs 20-40 a month. If a cow dies, the policyholder is likely to get as much as Rs 8,000. Though the premium amounts are very small, insurance companies see this as a way of entering a market that is sure to grow over the next few years. For long, LIC has had a market monopoly in India and still holds 90 per cent of the life insurance sector. With foreign competition the insurance sector is going through a churn. The entry of new players has meant that there is now intense competition to woo consumers. This is welcome since even by developing country standards, India is woefully under-insured. Without any sort of government safety net, a majority of India’s population has no cover for old age or unforeseen contingencies. This is where micro-insurance schemes can make a difference.
Such schemes are, however, not without their difficulties. Collecting premium and verifying claims can be time-consuming, especially in rural India. To get around this, insurance companies are using locals or self-help groups as agents to access rural markets. For death insurance claims, companies are willing to forgo the usual death certificates and accept signatures of a panchayat member or a village elder. Suchinnovative measures have ensured that several insurance companies at least have a presence in rural India. The challenge, however, is to move from micro-insurance to covering crops and health. For this to happen, it would help if people formed collectives and went in for group insurance. This would be particularly useful for farmers who cultivate the same crops on small plots of land. Health and crop insurance for small farmers would also have the additional benefit of eliminating the dreaded moneylender who benefits from the precarious condition of the rural poor.

Choose the word which is the most opposite in meaning of the word given in bold as used in the passage.
INNOVATIVE