Banking Exam PCI202543

1. If half of the number of employees who got promoted from
the IT department were males, what was the approximate
percentage of males who got promoted from the IT
department?

What is the total number of females working in the Production
and Marketing departments together ?

How many females work in the Accounts department ?

The total number of employees who got promoted from all
the departments together was what percent of the total
number of employees working in all the departments together ?
(Rounded off to the nearest integer)

The number of employees who got promoted from the HR
department was what percent of the total number of
employees working in that department ?
(rounded off to two digits after decimal)

Percentage of employees in different departments of a company
Total No. of employees = 4500




1. What is the total number of males from Design, Customer
Relation and HR departments together ?

Percentage of employees in different departments of a company
Total No. of employees = 4500





What is the ratio of number of males in HR department to the
number of males in Accounts department respectively ?

Percentage of employees in different departments of a company
Total No. of employees = 4500




The number of females in the Marketing department are
approximately what per cent of the total employees in
Marketing and Customer Relation Departments together?

Percentage of employees in different departments of a company
Total No. of employees = 4500




What is the respective ratio of number of employees in
Administrative department to the number of males in the
same department ?

Percentage of employees in different departments of a company
Total No. of employees = 4500




The total number of females are what per cent of the total
number of males in the organisation ?

Six friends viz . Arka, Banty, Chitra, Dutee, Ellyse and Famke are sitting around a circular table facing towards the center. All of them like different colours are Red, Blue, Green, Yellow, White and Black. All the information is not necessarily in the same order. Only one persons sits between the one who likes Black and Yellow colours. The one who likes White doesn't sit adjacent to the one who likes Red. Ellyse sits facing towards Dutee. Who likes Blue. Banty sits second to the right of Chitra who likes Red. The one who likes Blue doesn't sit adjacent to the one who likes Black. Neither Banty nor Ellyse likes White. The person who likes Black sits immediately right of the one who sits opposite to Famke.

1. Four of the following five ate alike in a certain way and hence form a group. Which of the following one that does not belong to that group?

Six friends viz . Arka, Banty, Chitra, Dutee, Ellyse and Famke are sitting around a circular table facing towards the center. All of them like different colours are Red, Blue, Green, Yellow, White and Black. All the information is not necessarily in the same order. Only one persons sits between the one who likes Black and Yellow colours. The one who likes White doesn't sit adjacent to the one who likes Red. Ellyse sits facing towards Dutee. Who likes Blue. Banty sits second to the right of Chitra who likes Red. The one who likes Blue doesn't sit adjacent to the one who likes Black. Neither Banty nor Ellyse likes White. The person who likes Black sits immediately right of the one who sits opposite to Famke.

Six friends viz . Arka, Banty, Chitra, Dutee, Ellyse and Famke are sitting around a circular table facing towards the center. All of them like different colours are Red, Blue, Green, Yellow, White and Black. All the information is not necessarily in the same order. Only one persons sits between the one who likes Black and Yellow colours. The one who likes White doesn't sit adjacent to the one who likes Red. Ellyse sits facing towards Dutee. Who likes Blue. Banty sits second to the right of Chitra who likes Red. The one who likes Blue doesn't sit adjacent to the one who likes Black. Neither Banty nor Ellyse likes White. The person who likes Black sits immediately right of the one who sits opposite to Famke.

Six friends viz . Arka, Banty, Chitra, Dutee, Ellyse and Famke are sitting around a circular table facing towards the center. All of them like different colours are Red, Blue, Green, Yellow, White and Black. All the information is not necessarily in the same order. Only one persons sits between the one who likes Black and Yellow colours. The one who likes White doesn't sit adjacent to the one who likes Red. Ellyse sits facing towards Dutee. Who likes Blue. Banty sits second to the right of Chitra who likes Red. The one who likes Blue doesn't sit adjacent to the one who likes Black. Neither Banty nor Ellyse likes White. The person who likes Black sits immediately right of the one who sits opposite to Famke.

Six friends viz . Arka, Banty, Chitra, Dutee, Ellyse and Famke are sitting around a circular table facing towards the center. All of them like different colours are Red, Blue, Green, Yellow, White and Black. All the information is not necessarily in the same order. Only one persons sits between the one who likes Black and Yellow colours. The one who likes White doesn't sit adjacent to the one who likes Red. Ellyse sits facing towards Dutee. Who likes Blue. Banty sits second to the right of Chitra who likes Red. The one who likes Blue doesn't sit adjacent to the one who likes Black. Neither Banty nor Ellyse likes White. The person who likes Black sits immediately right of the one who sits opposite to Famke.

Sixteen persons are sitting around two circular tables as one is inscribed in another one. All of them are facing towards the center. Eight persons i.e. I, J, K, L, M, N, O, and P are sitting around the inner circular table. Eight persons i.e. A, B, C, D, E, F, G, and H are sitting around the outer circular table. Note: The persons of outer circular table are sitting exactly behind the persons sitting around the inner circular table. The persons of inner circular table are sitting exactly ahead the persons sitting around the outer circular table. P sits 3rd to the right of the one who sits ahead of E. D is not an immediate neighbour of B. F sits second to the left of E. M is not an immediate neighbour of O. I sits neither ahead of E nor F. C sits 2nd to the left of D. I and K are immediate neighbours of L. G sits immediate right of E. J sits immediate right of the person, who sits ahead of F. H sits behind of O. B sit 2nd to the right of H.

1. Who sits 5th to the right of the one who is behind M?

Sixteen persons are sitting around two circular tables as one is inscribed in another one. All of them are facing towards the center. Eight persons i.e. I, J, K, L, M, N, O, and P are sitting around the inner circular table. Eight persons i.e. A, B, C, D, E, F, G, and H are sitting around the outer circular table. Note: The persons of outer circular table are sitting exactly behind the persons sitting around the inner circular table. The persons of inner circular table are sitting exactly ahead the persons sitting around the outer circular table. P sits 3rd to the right of the one who sits ahead of E. D is not an immediate neighbour of B. F sits second to the left of E. M is not an immediate neighbour of O. I sits neither ahead of E nor F. C sits 2nd to the left of D. I and K are immediate neighbours of L. G sits immediate right of E. J sits immediate right of the person, who sits ahead of F. H sits behind of O. B sit 2nd to the right of H.

Sixteen persons are sitting around two circular tables as one is inscribed in another one. All of them are facing towards the center. Eight persons i.e. I, J, K, L, M, N, O, and P are sitting around the inner circular table. Eight persons i.e. A, B, C, D, E, F, G, and H are sitting around the outer circular table. Note: The persons of outer circular table are sitting exactly behind the persons sitting around the inner circular table. The persons of inner circular table are sitting exactly ahead the persons sitting around the outer circular table. P sits 3rd to the right of the one who sits ahead of E. D is not an immediate neighbour of B. F sits second to the left of E. M is not an immediate neighbour of O. I sits neither ahead of E nor F. C sits 2nd to the left of D. I and K are immediate neighbours of L. G sits immediate right of E. J sits immediate right of the person, who sits ahead of F. H sits behind of O. B sit 2nd to the right of H.

Sixteen persons are sitting around two circular tables as one is inscribed in another one. All of them are facing towards the center. Eight persons i.e. I, J, K, L, M, N, O, and P are sitting around the inner circular table. Eight persons i.e. A, B, C, D, E, F, G, and H are sitting around the outer circular table. Note: The persons of outer circular table are sitting exactly behind the persons sitting around the inner circular table. The persons of inner circular table are sitting exactly ahead the persons sitting around the outer circular table. P sits 3rd to the right of the one who sits ahead of E. D is not an immediate neighbour of B. F sits second to the left of E. M is not an immediate neighbour of O. I sits neither ahead of E nor F. C sits 2nd to the left of D. I and K are immediate neighbours of L. G sits immediate right of E. J sits immediate right of the person, who sits ahead of F. H sits behind of O. B sit 2nd to the right of H.

Sixteen persons are sitting around two circular tables as one is inscribed in another one. All of them are facing towards the center. Eight persons i.e. I, J, K, L, M, N, O, and P are sitting around the inner circular table. Eight persons i.e. A, B, C, D, E, F, G, and H are sitting around the outer circular table. Note: The persons of outer circular table are sitting exactly behind the persons sitting around the inner circular table. The persons of inner circular table are sitting exactly ahead the persons sitting around the outer circular table. P sits 3rd to the right of the one who sits ahead of E. D is not an immediate neighbour of B. F sits second to the left of E. M is not an immediate neighbour of O. I sits neither ahead of E nor F. C sits 2nd to the left of D. I and K are immediate neighbours of L. G sits immediate right of E. J sits immediate right of the person, who sits ahead of F. H sits behind of O. B sit 2nd to the right of H.

When the atoll’s managers, the U.S. Fish and Wildlife Service. The Nature Conservancy, and Island Conservation, were planning to conduct a rat eradication project, LIC Santa Barbara community ecologist Hillary Young and her research group saw it as an unusual opportunity. They had already been visiting Palmyra regularly to track another non-native species, the coconut palm, to see whether it was spreading invasively in the area, potentially impacting the nesting seabird population and changing the island’s soil composition. They had plots where they were monitoring trees in various stages of growth and survival, how would the vegetation respond to the eradication of the island’s main seed and seedling eater?


“Prior to the eradication, most of the understory of Palmyra was either bare ground, sandy soil or coral rubble or covered in a carpet of ferns,” said Ana Wiener Kuile, a graduate student researcher in the Young Group and lead author of a study that appears in the Journal Biotropica. The rats_______ quick to eat seeds and young plants coming out of the ground, and they frequented the canopy as well often nesting in the coconut palms and eating coconuts.


Eradication of the rats, which was conducted in 2011, did in fact result in a resurgence of vegetation in Palmyra, and not only that, The Asian tiger mosquito was wiped out, while two species of land crab emerged, adding to the atoll’s biodiversity. But rarely is ecology easily untangled. In the years that followed eradication, Palmyra’s understory did indeed fill with Juvenile trees as seeds that hit the ground was allowed to take root. Only they were often not the Pisonia or other native trees that would have been the more ideal forests for the native seabirds and  animals of Palmyra. Continuing their restoration of the island, Palmyra’s managers were working to remove the vast majority of the island’s millions of coconut palms to give local species a chance to dominate, a project that is currently on hold due to the COVID-19 pandemic.


Anticipating the indirect downstream effects, such as potential shifts in ecology toward other invasive species, could become part of a more holistic island rodent eradication effort, Millerter kuile said.

1. From the given options choose the correct synonym for the highlighted word ‘resurgence’ as used in the passage.

When the atoll’s managers, the U.S. Fish and Wildlife Service. The Nature Conservancy, and Island Conservation, were planning to conduct a rat eradication project, LIC Santa Barbara community ecologist Hillary Young and her research group saw it as an unusual opportunity. They had already been visiting Palmyra regularly to track another non-native species, the coconut palm, to see whether it was spreading invasively in the area, potentially impacting the nesting seabird population and changing the island’s soil composition. They had plots where they were monitoring trees in various stages of growth and survival, how would the vegetation respond to the eradication of the island’s main seed and seedling eater?


“Prior to the eradication, most of the understory of Palmyra was either bare ground, sandy soil or coral rubble or covered in a carpet of ferns,” said Ana Wiener Kuile, a graduate student researcher in the Young Group and lead author of a study that appears in the Journal Biotropica. The rats_______ quick to eat seeds and young plants coming out of the ground, and they frequented the canopy as well often nesting in the coconut palms and eating coconuts.


Eradication of the rats, which was conducted in 2011, did in fact result in a resurgence of vegetation in Palmyra, and not only that, The Asian tiger mosquito was wiped out, while two species of land crab emerged, adding to the atoll’s biodiversity. But rarely is ecology easily untangled. In the years that followed eradication, Palmyra’s understory did indeed fill with Juvenile trees as seeds that hit the ground was allowed to take root. Only they were often not the Pisonia or other native trees that would have been the more ideal forests for the native seabirds and  animals of Palmyra. Continuing their restoration of the island, Palmyra’s managers were working to remove the vast majority of the island’s millions of coconut palms to give local species a chance to dominate, a project that is currently on hold due to the COVID-19 pandemic.


Anticipating the indirect downstream effects, such as potential shifts in ecology toward other invasive species, could become part of a more holistic island rodent eradication effort, Millerter kuile said.

When the atoll’s managers, the U.S. Fish and Wildlife Service. The Nature Conservancy, and Island Conservation, were planning to conduct a rat eradication project, LIC Santa Barbara community ecologist Hillary Young and her research group saw it as an unusual opportunity. They had already been visiting Palmyra regularly to track another non-native species, the coconut palm, to see whether it was spreading invasively in the area, potentially impacting the nesting seabird population and changing the island’s soil composition. They had plots where they were monitoring trees in various stages of growth and survival, how would the vegetation respond to the eradication of the island’s main seed and seedling eater?


“Prior to the eradication, most of the understory of Palmyra was either bare ground, sandy soil or coral rubble or covered in a carpet of ferns,” said Ana Wiener Kuile, a graduate student researcher in the Young Group and lead author of a study that appears in the Journal Biotropica. The rats_______ quick to eat seeds and young plants coming out of the ground, and they frequented the canopy as well often nesting in the coconut palms and eating coconuts.


Eradication of the rats, which was conducted in 2011, did in fact result in a resurgence of vegetation in Palmyra, and not only that, The Asian tiger mosquito was wiped out, while two species of land crab emerged, adding to the atoll’s biodiversity. But rarely is ecology easily untangled. In the years that followed eradication, Palmyra’s understory did indeed fill with Juvenile trees as seeds that hit the ground was allowed to take root. Only they were often not the Pisonia or other native trees that would have been the more ideal forests for the native seabirds and  animals of Palmyra. Continuing their restoration of the island, Palmyra’s managers were working to remove the vast majority of the island’s millions of coconut palms to give local species a chance to dominate, a project that is currently on hold due to the COVID-19 pandemic.


Anticipating the indirect downstream effects, such as potential shifts in ecology toward other invasive species, could become part of a more holistic island rodent eradication effort, Millerter kuile said.

When the atoll’s managers, the U.S. Fish and Wildlife Service. The Nature Conservancy, and Island Conservation, were planning to conduct a rat eradication project, LIC Santa Barbara community ecologist Hillary Young and her research group saw it as an unusual opportunity. They had already been visiting Palmyra regularly to track another non-native species, the coconut palm, to see whether it was spreading invasively in the area, potentially impacting the nesting seabird population and changing the island’s soil composition. They had plots where they were monitoring trees in various stages of growth and survival, how would the vegetation respond to the eradication of the island’s main seed and seedling eater?


“Prior to the eradication, most of the understory of Palmyra was either bare ground, sandy soil or coral rubble or covered in a carpet of ferns,” said Ana Wiener Kuile, a graduate student researcher in the Young Group and lead author of a study that appears in the Journal Biotropica. The rats_______ quick to eat seeds and young plants coming out of the ground, and they frequented the canopy as well often nesting in the coconut palms and eating coconuts.


Eradication of the rats, which was conducted in 2011, did in fact result in a resurgence of vegetation in Palmyra, and not only that, The Asian tiger mosquito was wiped out, while two species of land crab emerged, adding to the atoll’s biodiversity. But rarely is ecology easily untangled. In the years that followed eradication, Palmyra’s understory did indeed fill with Juvenile trees as seeds that hit the ground was allowed to take root. Only they were often not the Pisonia or other native trees that would have been the more ideal forests for the native seabirds and  animals of Palmyra. Continuing their restoration of the island, Palmyra’s managers were working to remove the vast majority of the island’s millions of coconut palms to give local species a chance to dominate, a project that is currently on hold due to the COVID-19 pandemic.


Anticipating the indirect downstream effects, such as potential shifts in ecology toward other invasive species, could become part of a more holistic island rodent eradication effort, Millerter kuile said.

When the atoll’s managers, the U.S. Fish and Wildlife Service. The Nature Conservancy, and Island Conservation, were planning to conduct a rat eradication project, LIC Santa Barbara community ecologist Hillary Young and her research group saw it as an unusual opportunity. They had already been visiting Palmyra regularly to track another non-native species, the coconut palm, to see whether it was spreading invasively in the area, potentially impacting the nesting seabird population and changing the island’s soil composition. They had plots where they were monitoring trees in various stages of growth and survival, how would the vegetation respond to the eradication of the island’s main seed and seedling eater?


“Prior to the eradication, most of the understory of Palmyra was either bare ground, sandy soil or coral rubble or covered in a carpet of ferns,” said Ana Wiener Kuile, a graduate student researcher in the Young Group and lead author of a study that appears in the Journal Biotropica. The rats_______ quick to eat seeds and young plants coming out of the ground, and they frequented the canopy as well often nesting in the coconut palms and eating coconuts.


Eradication of the rats, which was conducted in 2011, did in fact result in a resurgence of vegetation in Palmyra, and not only that, The Asian tiger mosquito was wiped out, while two species of land crab emerged, adding to the atoll’s biodiversity. But rarely is ecology easily untangled. In the years that followed eradication, Palmyra’s understory did indeed fill with Juvenile trees as seeds that hit the ground was allowed to take root. Only they were often not the Pisonia or other native trees that would have been the more ideal forests for the native seabirds and  animals of Palmyra. Continuing their restoration of the island, Palmyra’s managers were working to remove the vast majority of the island’s millions of coconut palms to give local species a chance to dominate, a project that is currently on hold due to the COVID-19 pandemic.


Anticipating the indirect downstream effects, such as potential shifts in ecology toward other invasive species, could become part of a more holistic island rodent eradication effort, Millerter kuile said.

When the atoll’s managers, the U.S. Fish and Wildlife Service. The Nature Conservancy, and Island Conservation, were planning to conduct a rat eradication project, LIC Santa Barbara community ecologist Hillary Young and her research group saw it as an unusual opportunity. They had already been visiting Palmyra regularly to track another non-native species, the coconut palm, to see whether it was spreading invasively in the area, potentially impacting the nesting seabird population and changing the island’s soil composition. They had plots where they were monitoring trees in various stages of growth and survival, how would the vegetation respond to the eradication of the island’s main seed and seedling eater?


“Prior to the eradication, most of the understory of Palmyra was either bare ground, sandy soil or coral rubble or covered in a carpet of ferns,” said Ana Wiener Kuile, a graduate student researcher in the Young Group and lead author of a study that appears in the Journal Biotropica. The rats_______ quick to eat seeds and young plants coming out of the ground, and they frequented the canopy as well often nesting in the coconut palms and eating coconuts.


Eradication of the rats, which was conducted in 2011, did in fact result in a resurgence of vegetation in Palmyra, and not only that, The Asian tiger mosquito was wiped out, while two species of land crab emerged, adding to the atoll’s biodiversity. But rarely is ecology easily untangled. In the years that followed eradication, Palmyra’s understory did indeed fill with Juvenile trees as seeds that hit the ground was allowed to take root. Only they were often not the Pisonia or other native trees that would have been the more ideal forests for the native seabirds and  animals of Palmyra. Continuing their restoration of the island, Palmyra’s managers were working to remove the vast majority of the island’s millions of coconut palms to give local species a chance to dominate, a project that is currently on hold due to the COVID-19 pandemic.


Anticipating the indirect downstream effects, such as potential shifts in ecology toward other invasive species, could become part of a more holistic island rodent eradication effort, Millerter kuile said.

The system of "local welfare" schemes set up less than five years ago to provide emergency help to England's poorest families, often to help them cope with delays and sanctions to their benefits, is on the (A) of collapse, say poverty campaigners. (B) A survey of more than 150 council-run schemes by Church Action on Poverty found that nearly a quarter had been shutted down since 2013, while a further quarter have reduced spending by 85% or more. More are expected to close in the next few months. (C) The destitution (1) of local welfare would put tens of thousands of vulnerable
(2) people at increased risk (3) of hunger, debt and demise (4), the charity said. The system was designed to help people on low incomes deal with unexpected hardship, (D) ------------ -------, or domestic crises such as broken boilers, house fires and flooding. Huge cuts to council budgets have left the system, which replaced the old social fund, struggling to survive. Provision is so uneven that thousands of people cannot access emergency help from the state, Church Action on Poverty said. "Local authority welfare schemes are increasingly (E), leaving families in many areas with nowhere to turn for help," said the bishop of Manchester, David Walker. "It cannot be right for central and local government to (F) abdicate responsibility for people in  crisis when they need our help most." In many areas, the most common reason for an application for crisis support is delays or sanctions to benefits, with some councils noting that the five-week minimum wait for a first universal credit payment is an emerging factor in rising demand. Universal credit claimants facing hardship who contact Department for Work and Pensions (DWP) help lines for help are routinely directed to local welfare schemes in their areas if they do not qualify for official advance loans or hardship funds. Church leaders and anti-poverty charities called on ministers to make local welfare provision a legal duty for top-tier councils, and to provide ring fenced funding to protect crisis services. 

1. Which of the following word given in the options should come at the place marked as (A) in the above paragraph to make it grammatically correct and meaningful Also, the word should fill in the two sentences given below to make them contextually correct and meaningful.
(i) She stood out of his way, barely able to care for a child and at a loss as to what to do with a boy on the …………………. of becoming a teenager.
(ii) He found the country on the …………………. of revolution; but the wisdom of the new monarch saved the situation and won back the Magyars 

The system of "local welfare" schemes set up less than five years ago to provide emergency help to England's poorest families, often to help them cope with delays and sanctions to their benefits, is on the (A) of collapse, say poverty campaigners. (B) A survey of more than 150 council-run schemes by Church Action on Poverty found that nearly a quarter had been shutted down since 2013, while a further quarter have reduced spending by 85% or more. More are expected to close in the next few months. (C) The destitution (1) of local welfare would put tens of thousands of vulnerable
(2) people at increased risk (3) of hunger, debt and demise (4), the charity said. The system was designed to help people on low incomes deal with unexpected hardship, (D) ------------ -------, or domestic crises such as broken boilers, house fires and flooding. Huge cuts to council budgets have left the system, which replaced the old social fund, struggling to survive. Provision is so uneven that thousands of people cannot access emergency help from the state, Church Action on Poverty said. "Local authority welfare schemes are increasingly (E), leaving families in many areas with nowhere to turn for help," said the bishop of Manchester, David Walker. "It cannot be right for central and local government to (F) abdicate responsibility for people in  crisis when they need our help most." In many areas, the most common reason for an application for crisis support is delays or sanctions to benefits, with some councils noting that the five-week minimum wait for a first universal credit payment is an emerging factor in rising demand. Universal credit claimants facing hardship who contact Department for Work and Pensions (DWP) help lines for help are routinely directed to local welfare schemes in their areas if they do not qualify for official advance loans or hardship funds. Church leaders and anti-poverty charities called on ministers to make local welfare provision a legal duty for top-tier councils, and to provide ring fenced funding to protect crisis services. 

In the passage given, a sentence (B) is given in italics.
There may or may not be an error in one part of the sentence. Choose the part which has an error in it as your answer. If there is no error then choose option (e) as your answer.

The system of "local welfare" schemes set up less than five years ago to provide emergency help to England's poorest families, often to help them cope with delays and sanctions to their benefits, is on the (A) of collapse, say poverty campaigners. (B) A survey of more than 150 council-run schemes by Church Action on Poverty found that nearly a quarter had been shutted down since 2013, while a further quarter have reduced spending by 85% or more. More are expected to close in the next few months. (C) The destitution (1) of local welfare would put tens of thousands of vulnerable
(2) people at increased risk (3) of hunger, debt and demise (4), the charity said. The system was designed to help people on low incomes deal with unexpected hardship, (D) ------------ -------, or domestic crises such as broken boilers, house fires and flooding. Huge cuts to council budgets have left the system, which replaced the old social fund, struggling to survive. Provision is so uneven that thousands of people cannot access emergency help from the state, Church Action on Poverty said. "Local authority welfare schemes are increasingly (E), leaving families in many areas with nowhere to turn for help," said the bishop of Manchester, David Walker. "It cannot be right for central and local government to (F) abdicate responsibility for people in  crisis when they need our help most." In many areas, the most common reason for an application for crisis support is delays or sanctions to benefits, with some councils noting that the five-week minimum wait for a first universal credit payment is an emerging factor in rising demand. Universal credit claimants facing hardship who contact Department for Work and Pensions (DWP) help lines for help are routinely directed to local welfare schemes in their areas if they do not qualify for official advance loans or hardship funds. Church leaders and anti-poverty charities called on ministers to make local welfare provision a legal duty for top-tier councils, and to provide ring fenced funding to protect crisis services. 

The sentence given in (C) has four words given in bold. Amongst the given bold words which of the following must replace each other to make the sentence contextually correct and meaningful.

The system of "local welfare" schemes set up less than five years ago to provide emergency help to England's poorest families, often to help them cope with delays and sanctions to their benefits, is on the (A) of collapse, say poverty campaigners. (B) A survey of more than 150 council-run schemes by Church Action on Poverty found that nearly a quarter had been shutted down since 2013, while a further quarter have reduced spending by 85% or more. More are expected to close in the next few months. (C) The destitution (1) of local welfare would put tens of thousands of vulnerable
(2) people at increased risk (3) of hunger, debt and demise (4), the charity said. The system was designed to help people on low incomes deal with unexpected hardship, (D) ------------ -------, or domestic crises such as broken boilers, house fires and flooding. Huge cuts to council budgets have left the system, which replaced the old social fund, struggling to survive. Provision is so uneven that thousands of people cannot access emergency help from the state, Church Action on Poverty said. "Local authority welfare schemes are increasingly (E), leaving families in many areas with nowhere to turn for help," said the bishop of Manchester, David Walker. "It cannot be right for central and local government to (F) abdicate responsibility for people in  crisis when they need our help most." In many areas, the most common reason for an application for crisis support is delays or sanctions to benefits, with some councils noting that the five-week minimum wait for a first universal credit payment is an emerging factor in rising demand. Universal credit claimants facing hardship who contact Department for Work and Pensions (DWP) help lines for help are routinely directed to local welfare schemes in their areas if they do not qualify for official advance loans or hardship funds. Church leaders and anti-poverty charities called on ministers to make local welfare provision a legal duty for top-tier councils, and to provide ring fenced funding to protect crisis services. 

Which of the following phrases should fill the blank in (D) to make it contextually correct and meaningful?

The system of "local welfare" schemes set up less than five years ago to provide emergency help to England's poorest families, often to help them cope with delays and sanctions to their benefits, is on the (A) of collapse, say poverty campaigners. (B) A survey of more than 150 council-run schemes by Church Action on Poverty found that nearly a quarter had been shutted down since 2013, while a further quarter have reduced spending by 85% or more. More are expected to close in the next few months. (C) The destitution (1) of local welfare would put tens of thousands of vulnerable
(2) people at increased risk (3) of hunger, debt and demise (4), the charity said. The system was designed to help people on low incomes deal with unexpected hardship, (D) ------------ -------, or domestic crises such as broken boilers, house fires and flooding. Huge cuts to council budgets have left the system, which replaced the old social fund, struggling to survive. Provision is so uneven that thousands of people cannot access emergency help from the state, Church Action on Poverty said. "Local authority welfare schemes are increasingly (E), leaving families in many areas with nowhere to turn for help," said the bishop of Manchester, David Walker. "It cannot be right for central and local government to (F) abdicate responsibility for people in  crisis when they need our help most." In many areas, the most common reason for an application for crisis support is delays or sanctions to benefits, with some councils noting that the five-week minimum wait for a first universal credit payment is an emerging factor in rising demand. Universal credit claimants facing hardship who contact Department for Work and Pensions (DWP) help lines for help are routinely directed to local welfare schemes in their areas if they do not qualify for official advance loans or hardship funds. Church leaders and anti-poverty charities called on ministers to make local welfare provision a legal duty for top-tier councils, and to provide ring fenced funding to protect crisis services. 

Which of the following word given in the options should come at the place marked as (E) in the above paragraph to make it grammatically correct and meaningful Also, the word should fill in the two sentences given below to make them contextually correct and meaningful.
(i) After living in the woods for a week without supplies, my ……………….. clothing was not protecting me from the elements.
(ii) The Defence Department generally defended its existing programs, though the rationale for them was growing ……………………….