Choose the correct option for all the questions.
A. Both Assertion (A) and Reason (R) are true, and R is the correct explanation of A.
B. Both Assertion (A) and Reason (R) are true, but R is not the correct explanation of A.
C. Assertion (A) is true, but Reason (R) is false.
D. Assertion (A) is false, but Reason (R) is true.
Topic 1: Money as a Medium of Exchange
Q1.
Assertion (A): Money removes the need for a double coincidence of wants in most modern transactions.
Reason (R): A person can sell a good or service for money and later use that money to buy something else.
Q2.
Assertion (A): Barter becomes difficult when two people do not want each other’s goods at the same time.
Reason (R): Under barter, goods and services can be exchanged without using money.
Q3.
Assertion (A): Money makes transactions more convenient than direct barter.
Reason (R): Money can be used only for buying goods and cannot be saved for future use.
Q4.
Assertion (A): A farmer can sell wheat for money and use the money later to purchase a bicycle.
Reason (R): Money acts as a medium through which the exchange of goods can take place indirectly.
Q5.
Assertion (A): The introduction of money increases the number of possible exchanges in an economy.
Reason (R): Money allows people to separate the act of selling from the act of purchasing.
Q6.
Assertion (A): In a barter system, the value of every commodity can always be expressed in one commonly accepted unit.
Reason (R): Barter requires direct exchange between people possessing mutually desired goods.
Q7.
Assertion (A): Money helps specialisation in an economy.
Reason (R): Producers can sell their output for money and use the money to obtain many other goods and services.
Topic 2: Modern Forms of Money
Q8.
Assertion (A): Currency is accepted as a medium of exchange because it is legally recognised and generally accepted.
Reason (R): People accept currency because they have confidence that others will accept it in future transactions.
Q9.
Assertion (A): Modern money includes currency as well as certain bank deposits.
Reason (R): Bank deposits can be used for making payments through instruments such as cheques.
Q10.
Assertion (A): Currency notes have value mainly because the paper used to print them has an equal market value.
Reason (R): Modern currency is generally accepted as a means of payment because it is authorised by the government.
Q11.
Assertion (A): A ₹500 note can purchase goods worth ₹500 even though the paper itself has very little intrinsic value.
Reason (R): The acceptability of modern currency comes largely from trust, legal recognition and its general acceptance.
Q12.
Assertion (A): People generally prefer to hold some money in liquid form.
Reason (R): Money in liquid form can be readily used for purchases and payments.
Q13.
Assertion (A): Modern money has completely eliminated the importance of trust in economic transactions.
Reason (R): People accept currency because they expect it to be accepted by others.
Q14.
Assertion (A): The use of money makes it possible to compare the prices of different goods.
Reason (R): Money provides a common unit in which the values of different goods can be expressed.
Topic 3: Currency and Bank Deposits
Q15.
Assertion (A): Bank deposits can function as money.
Reason (R): Depositors can make payments using their deposits without withdrawing all their cash.
Q16.
Assertion (A): People often keep only a part of their money as cash and deposit the rest in banks.
Reason (R): Bank deposits provide safety and can also be used to make payments.
Q17.
Assertion (A): Every bank deposit is physically kept as cash in the depositor’s account.
Reason (R): Banks keep only a small proportion of deposits as cash and use a significant part for lending.
Q18.
Assertion (A): Bank deposits increase the convenience of making large transactions.
Reason (R): Deposits can be transferred through banking instruments without physically carrying large amounts of currency.
Q19.
Assertion (A): Bank deposits are an important component of modern money.
Reason (R): Depositors can withdraw their money according to the conditions of their accounts.
Q20.
Assertion (A): A person who deposits money in a bank permanently loses ownership of that money.
Reason (R): The bank records the deposited amount as a liability towards the depositor.
Q21.
Assertion (A): The banking system can support economic activity by transforming deposits into loans.
Reason (R): Banks can lend a portion of deposited funds to borrowers while retaining some cash to meet withdrawals.
Topic 4: Demand Deposits and Cheques
Q22.
Assertion (A): Demand deposits are treated as money because they can be used for making payments.
Reason (R): Depositors can demand withdrawal of their money according to the terms of the deposit.
Q23.
Assertion (A): Cheques can reduce the need to carry large amounts of cash.
Reason (R): A cheque instructs a bank to make payment from the account of the person issuing it.
Q24.
Assertion (A): A cheque has value independent of the bank account against which it is issued.
Reason (R): A cheque is an instruction to the bank to transfer or pay money from the issuer’s account.
Q25.
Assertion (A): Demand deposits are more liquid than many physical assets.
Reason (R): Demand deposits can generally be withdrawn or used for payments when required.
Q26.
Assertion (A): Cheques make it possible to transfer purchasing power without directly transferring currency notes.
Reason (R): The bank transfers funds between accounts when a valid cheque is processed.
Q27.
Assertion (A): A cheque issued by a person automatically guarantees payment even if the account has insufficient funds.
Reason (R): A cheque is linked to the bank account of the person issuing it.
Q28.
Assertion (A): Demand deposits can act as a convenient means of payment in a modern economy.
Reason (R): They can be accessed through banking instruments and payment facilities.
Topic 5: Loan Activities of Banks
Q29.
Assertion (A): Banks keep only a small proportion of deposits as cash with themselves.
Reason (R): Banks need some cash to meet the everyday withdrawal requirements of depositors.
Q30.
Assertion (A): Banks earn income by charging interest on loans.
Reason (R): Banks usually pay interest to depositors and charge a higher rate of interest to borrowers.
Q31.
Assertion (A): Banks can lend an amount equal to every rupee deposited with them without keeping any reserve.
Reason (R): Banks must maintain enough liquidity to meet withdrawal demands.
Q32.
Assertion (A): Lending is one of the major activities through which banks earn income.
Reason (R): Banks charge interest on the loans they provide to borrowers.
Q33.
Assertion (A): Banks act as intermediaries between depositors and borrowers.
Reason (R): Banks accept deposits from people who have surplus funds and lend part of those funds to people who need credit.
Q34.
Assertion (A): Banks can safely lend every rupee deposited with them without considering withdrawals.
Reason (R): Depositors may need to withdraw their money at different times.
Q35.
Assertion (A): Banks play an important role in increasing the availability of credit in an economy.
Reason (R): They mobilise deposits and use a portion of them to provide loans.
Topic 6: Credit and Its Importance
Q36.
Assertion (A): Credit can help a person increase production when the borrowed money is used productively.
Reason (R): Credit can provide funds before the borrower receives income from the activity.
Q37.
Assertion (A): Credit always improves the economic condition of every borrower.
Reason (R): The outcome of borrowing depends partly on the purpose of the loan, income generated and terms of repayment.
Q38.
Assertion (A): A small business may need credit to purchase raw materials before receiving payment from customers.
Reason (R): Productive borrowing can bridge the time gap between expenditure and receipt of income.
Q39.
Assertion (A): Credit can sometimes place a borrower in a difficult situation.
Reason (R): Borrowers may have to repay the principal along with interest.
Q40.
Assertion (A): Credit is useful only for rich households because poor households cannot use loans productively.
Reason (R): Small borrowers may use credit for agriculture, livestock, small businesses or other productive activities.
Q41.
Assertion (A): Credit can contribute to economic development when it supports productive activities.
Reason (R): Productive credit can help borrowers increase income, employment or output.
Q42.
Assertion (A): The effect of credit depends on the conditions under which it is obtained.
Reason (R): Different lenders may charge different interest rates and impose different repayment conditions.
Topic 7: Terms of Credit
Q43.
Assertion (A): The interest rate is an important term of credit.
Reason (R): It determines the additional amount that a borrower has to pay for using borrowed money.
Q44.
Assertion (A): All borrowers face identical terms of credit regardless of the lender.
Reason (R): Different lenders may impose different interest rates, collateral requirements and repayment conditions.
Q45.
Assertion (A): Collateral can reduce the risk faced by a lender.
Reason (R): The lender may claim the pledged asset if the borrower fails to repay according to the agreement.
Q46.
Assertion (A): A borrower should consider the repayment period before accepting a loan.
Reason (R): The repayment schedule affects the timing and amount of payments the borrower must make.
Q47.
Assertion (A): Collateral is always required for every type of loan.
Reason (R): Some formal loans may be provided without collateral depending on the borrower’s circumstances and the lender’s rules.
Q48.
Assertion (A): A loan with a lower interest rate may still be unsuitable if its other conditions are difficult for the borrower.
Reason (R): The total burden of credit depends on more than just the stated interest rate.
Q49.
Assertion (A): Terms of credit are important because they determine the actual burden and obligations of a borrower.
Reason (R): Interest rate, collateral, documentation, repayment period and mode of repayment can influence the cost and risk of borrowing.
Topic 8: Formal Sources of Credit
Q50.
Assertion (A): Banks and cooperative societies are important formal sources of credit.
Reason (R): They generally operate within a system of rules and regulations.
Q51.
Assertion (A): Formal lenders are generally monitored by financial authorities.
Reason (R): Regulation aims to ensure that formal financial institutions follow established rules.
Q52.
Assertion (A): Formal credit is always available to every borrower at exactly the same interest rate.
Reason (R): Lenders may assess borrowers according to income, repayment capacity, collateral and other conditions.
Q53.
Assertion (A): Formal sources can protect borrowers from some unfair lending practices.
Reason (R): Formal institutions operate under rules regarding lending and documentation.
Q54.
Assertion (A): Banks are a major source of formal credit in India.
Reason (R): Banks collect deposits and provide loans to individuals, businesses and other borrowers.
Q55.
Assertion (A): Formal credit is necessarily free from all difficulties for poor borrowers.
Reason (R): Formal institutions may require documents, collateral or proof of repayment capacity.
Q56.
Assertion (A): Expanding formal credit can reduce dependence on informal lenders.
Reason (R): Greater access to regulated credit gives borrowers an alternative to borrowing from unregulated sources.
Topic 9: Informal Sources of Credit
Q57.
Assertion (A): Moneylenders are an informal source of credit.
Reason (R): Informal lenders generally operate outside the formal banking and regulatory system.
Q58.
Assertion (A): Informal lenders can sometimes provide loans quickly.
Reason (R): They may require fewer formal documents and procedures than banks.
Q59.
Assertion (A): Informal credit always carries a lower interest rate than bank credit.
Reason (R): Informal lenders are generally not subject to the same regulatory framework as formal financial institutions.
Q60.
Assertion (A): Borrowers may choose informal sources when they cannot easily obtain formal loans.
Reason (R): Informal lenders may offer loans with fewer procedural requirements.
Q61.
Assertion (A): Informal lending can become exploitative when lenders charge very high interest rates.
Reason (R): Borrowers may have limited alternatives and may accept unfavourable conditions during urgent situations.
Q62.
Assertion (A): Informal lenders always provide written agreements containing transparent terms of credit.
Reason (R): Informal lending practices vary and may not provide the same level of documentation and regulation as formal lending.
Q63.
Assertion (A): Easy access to informal credit does not necessarily mean that it is cheap credit.
Reason (R): Informal lenders may charge high interest rates even when the loan is provided quickly.
Topic 10: Formal vs Informal Sources of Credit
Q64.
Assertion (A): Formal credit is generally preferred when borrowers need protection from exploitative lending practices.
Reason (R): Formal financial institutions operate under rules and are subject to regulatory oversight.
Q65.
Assertion (A): Informal credit can be more accessible than formal credit for some borrowers.
Reason (R): Informal lenders may offer loans with fewer documents and less procedural delay.
Q66.
Assertion (A): Formal credit is always more easily available to poor households than informal credit.
Reason (R): Poor borrowers may face difficulties meeting documentation, collateral or repayment-capacity requirements.
Q67.
Assertion (A): The interest charged by informal lenders may be higher than that charged by formal institutions.
Reason (R): Informal lenders are generally less regulated and may set their own lending conditions.
Q68.
Assertion (A): Comparing only the speed of obtaining a loan is insufficient when choosing between formal and informal credit.
Reason (R): Borrowers should also consider interest rates, collateral, repayment conditions and other costs.
Q69.
Assertion (A): Formal credit and informal credit are identical because both provide money to borrowers.
Reason (R): They differ in regulation, documentation, interest rates and other terms.
Q70.
Assertion (A): Increasing access to formal credit can improve the position of borrowers in credit markets.
Reason (R): Borrowers can compare alternatives and become less dependent on potentially exploitative informal lenders.
Topic 11: Credit in Rural Areas and Debt Trap
Q71.
Assertion (A): A farmer may fall into a debt trap if a loan fails to generate enough income for repayment.
Reason (R): The borrower may need to take another loan to repay the earlier loan.
Q72.
Assertion (A): Rural borrowers may sometimes depend heavily on informal credit.
Reason (R): Formal credit may not always be easily accessible to every rural borrower.
Q73.
Assertion (A): Borrowing for productive purposes always guarantees that a farmer will repay the loan successfully.
Reason (R): Agricultural income can be affected by factors such as crop failure, weather and market prices.
Q74.
Assertion (A): A farmer may face a debt trap after borrowing at a high interest rate when crop income is insufficient.
Reason (R): A high interest burden can increase the amount that must be repaid.
Q75.
Assertion (A): A debt trap can become more serious when a borrower repeatedly takes new loans to repay old loans.
Reason (R): The borrower may accumulate increasing repayment obligations without generating sufficient income.
Q76.
Assertion (A): Rural borrowers never use loans for consumption purposes.
Reason (R): Households may borrow for emergencies, medical expenses, marriages or other consumption needs.
Q77.
Assertion (A): Cheap and accessible formal credit can help reduce the vulnerability of rural borrowers.
Reason (R): Affordable credit can reduce dependence on high-cost informal loans.
Topic 12: Self-Help Groups (SHGs) and Affordable Credit
Q78.
Assertion (A): Self-Help Groups can improve access to credit for people who may find it difficult to obtain bank loans individually.
Reason (R): SHG members pool savings and can use the group mechanism to obtain loans.
Q79.
Assertion (A): SHGs encourage regular saving among their members.
Reason (R): Members usually contribute small amounts regularly to create a common fund.
Q80.
Assertion (A): SHGs can provide loans without any need for mutual trust among members.
Reason (R): The functioning of an SHG depends partly on collective responsibility and cooperation.
Q81.
Assertion (A): SHGs can help poor households reduce dependence on moneylenders.
Reason (R): Members can access loans through the group’s savings and its linkage with formal financial institutions.
Q82.
Assertion (A): SHGs are useful only for collecting savings and cannot support income-generating activities.
Reason (R): SHG members may use loans for small businesses and other productive activities.
Q83.
Assertion (A): SHGs can strengthen the bargaining position of small borrowers.
Reason (R): Collective organisation can make it easier for members to access formal credit and financial services.
Q84.
Assertion (A): Expanding affordable credit is important for inclusive economic development.
Reason (R): Access to reasonably priced credit can enable poorer households and small producers to invest, manage emergencies and undertake productive activities.
DETAILED ANSWER KEY
Topic 1 — Money as a Medium of Exchange
| Q | Answer | Explanation |
| 1 | A | Both statements are true. Money allows a person to sell first and purchase later, so the double coincidence of wants is avoided. |
| 2 | B | Both are true. The reason describes barter, but it does not directly explain why lack of matching wants creates difficulty. |
| 3 | C | Assertion is true because money facilitates transactions. Reason is false because money can also be saved and used later. |
| 4 | D | Assertion is false as stated because the farmer is not necessarily making a direct exchange; the reason correctly explains money’s intermediary role. |
| 5 | A | Both are true and the reason directly explains how money increases exchange possibilities. |
| 6 | D | Assertion is false because barter lacks one common unit of value. Reason is true because barter involves direct exchange. |
| 7 | C | Assertion is true. Reason is false because the statement does not explain specialisation; it merely describes a use of money. |
Topic 2 — Modern Forms of Money
| Q | Answer | Explanation |
| 8 | D | Assertion is false because legal recognition alone does not fully explain acceptance. Reason is true because confidence in acceptance supports the use of money. |
| 9 | A | Both are true and cheque-based payments explain why bank deposits function as money. |
| 10 | C | Assertion is false because the paper has little intrinsic value. Reason is true. |
| 11 | D | Assertion is false because the purchasing power is not based on paper value. Reason correctly identifies trust, legal recognition and acceptance. |
| 12 | A | Both are true and liquidity directly explains why people hold money for transactions. |
| 13 | D | Assertion is false because trust remains essential. Reason is true. |
| 14 | A | Both are true, and the common unit of account provided by money explains price comparison. |
Topic 3 — Currency and Bank Deposits
| Q | Answer | Explanation |
| 15 | B | Both are true, but the ability to use deposits for payments is the more direct explanation of their role as money. |
| 16 | C | Assertion is true. Reason is false because safety is one advantage, but the statement as written does not fully explain why people deposit money. |
| 17 | D | Assertion is false because deposits are not simply cash physically stored for each depositor. Reason is true. |
| 18 | A | Both are true and electronic/banking transfers directly explain the convenience of large transactions. |
| 19 | B | Both are true, but withdrawal rights alone do not fully explain why deposits are an important component of modern money. |
| 20 | D | Assertion is false because the depositor retains a claim on the bank. Reason is true: deposits are liabilities of banks. |
| 21 | A | Both are true and bank lending from deposits directly supports economic activity. |
Topic 4 — Demand Deposits and Cheques
| Q | Answer | Explanation |
| 22 | A | Both are true and the ability to withdraw/use deposits explains their monetary character. |
| 23 | B | Both are true, but the reason describes the operation of a cheque rather than fully explaining the convenience of avoiding cash. |
| 24 | C | Assertion is false because a cheque does not have independent value; payment depends on the linked account and banking process. Reason is true. |
| 25 | D | Assertion is false because the comparison is too broad as stated. Reason is true because demand deposits can generally be accessed for payments. |
| 26 | A | Both are true and the bank transfer mechanism directly explains the assertion. |
| 27 | D | Assertion is false because insufficient funds can prevent payment. Reason is true. |
| 28 | A | Both are true and payment facilities explain the convenience of demand deposits. |
Topic 5 — Loan Activities of Banks
| Q | Answer | Explanation |
| 29 | B | Both are true, but the reason explains the need for reserves rather than why banks keep only a small proportion. |
| 30 | A | Both are true and the difference between lending and deposit rates explains how banks earn income. |
| 31 | C | Assertion is false because banks must retain liquidity. Reason is true. |
| 32 | D | Assertion is false because lending is not the only bank activity generating income. Reason is true. |
| 33 | A | Both are true and the reason directly explains the intermediary role of banks. |
| 34 | D | Assertion is false because banks cannot lend every rupee without considering withdrawals. Reason is true. |
| 35 | A | Both are true and mobilisation of deposits for lending directly explains the expansion of credit. |
Topic 6 — Credit and Its Importance
| Q | Answer | Explanation |
| 36 | A | Both are true and the timing gap between investment and income explains how credit supports production. |
| 37 | B | Both are true, but the reason gives the conditions determining the outcome rather than directly explaining the absolute claim. |
| 38 | C | Assertion is true. Reason is false because the wording refers to a general bridge but does not necessarily apply to every business situation. |
| 39 | D | Assertion is false as phrased: credit does not necessarily create difficulty. Reason is true. |
| 40 | C | Assertion is false. Reason is true because poor households may also use credit productively. |
| 41 | B | Both are true, but the reason explains one channel through which productive credit contributes to development rather than the entire assertion. |
| 42 | A | Both are true and different credit conditions directly determine the effect of borrowing. |
Topic 7 — Terms of Credit
| Q | Answer | Explanation |
| 43 | A | Both are true and the interest rate directly determines the additional repayment burden. |
| 44 | D | Assertion is false because terms differ among lenders. Reason is true. |
| 45 | A | Both are true and the possibility of claiming collateral explains how it reduces lender risk. |
| 46 | B | Both are true, but the reason explains the importance of repayment schedule rather than all aspects of why the borrower should consider it. |
| 47 | C | Assertion is false because collateral is not required for every loan. Reason is true. |
| 48 | D | Assertion is false because a lower rate does not automatically make a loan unsuitable; the reason is true. |
| 49 | A | Both are true and the listed conditions directly explain why terms of credit matter. |
Topic 8 — Formal Sources of Credit
| Q | Answer | Explanation |
| 50 | B | Both are true, but regulation alone does not explain why banks and cooperatives are formal sources. |
| 51 | C | Assertion is true. Reason is false because regulation is broader than merely ensuring compliance; it also protects the financial system and borrowers. |
| 52 | D | Assertion is false because rates and conditions can vary. Reason is true. |
| 53 | A | Both are true and regulation directly explains the greater protection against certain unfair practices. |
| 54 | B | Both are true, but the reason explains bank lending activity rather than the complete reason banks are a major formal source. |
| 55 | D | Assertion is false because formal credit can still create access difficulties. Reason is true. |
| 56 | A | Both are true and availability of regulated alternatives directly reduces dependence on informal lenders. |
Topic 9 — Informal Sources of Credit
| Q | Answer | Explanation |
| 57 | A | Both are true and operating outside the formal regulatory system explains the classification as informal. |
| 58 | B | Both are true, but fewer procedures explain speed rather than every reason informal loans may be quick. |
| 59 | C | Assertion is false because informal loans can have high interest rates. Reason is true. |
| 60 | D | Assertion is false because inability to access formal loans is not the only reason borrowers use informal credit. Reason is true. |
| 61 | A | Both are true and limited alternatives can allow high-cost lending to become exploitative. |
| 62 | D | Assertion is false because informal lenders do not necessarily provide transparent written agreements. Reason is true. |
| 63 | C | Assertion is true. Reason is false because the reason gives one common possibility but does not necessarily explain every case of easy informal credit. |
Topic 10 — Formal vs Informal Sources of Credit
| Q | Answer | Explanation |
| 64 | A | Both are true and regulatory oversight directly explains the greater protection offered by formal credit. |
| 65 | B | Both are true, but fewer procedures are one reason for accessibility rather than the complete explanation. |
| 66 | C | Assertion is false. Reason is true because formal borrowing can involve documentation and collateral requirements. |
| 67 | D | Assertion is false as an absolute statement because informal rates are not necessarily always higher. Reason is true. |
| 68 | A | Both are true and the reason directly explains why speed alone is insufficient. |
| 69 | D | Assertion is false because formal and informal credit differ substantially. Reason is true. |
| 70 | A | Both are true and greater choice can reduce dependence on potentially exploitative lenders. |
Topic 11 — Credit in Rural Areas and Debt Trap
| Q | Answer | Explanation |
| 71 | A | Both are true and borrowing again to repay an earlier loan is a key mechanism of a debt trap. |
| 72 | B | Both are true, but limited formal access is a contributing factor rather than the complete explanation for dependence on informal credit. |
| 73 | C | Assertion is false because productive borrowing does not guarantee repayment. Reason is true. |
| 74 | D | Assertion is false because high interest alone does not necessarily create a debt trap; the reason is true. |
| 75 | A | Both are true and repeated borrowing directly explains how debt obligations can accumulate. |
| 76 | D | Assertion is false because rural households may borrow for consumption and emergencies. Reason is true. |
| 77 | C | Assertion is true. Reason is false because affordable formal credit can reduce vulnerability, but it does not automatically eliminate it. |
Topic 12 — Self-Help Groups (SHGs) and Affordable Credit
| Q | Answer | Explanation |
| 78 | A | Both are true and pooled savings and group lending directly explain improved access to credit. |
| 79 | B | Both are true, but regular contributions describe the mechanism rather than fully explaining every benefit of saving. |
| 80 | C | Assertion is false because mutual trust and cooperation are important. Reason is true. |
| 81 | D | Assertion is false as an absolute statement because SHGs do not always eliminate dependence on moneylenders. Reason is true. |
| 82 | C | Assertion is false because SHGs can support productive activities. Reason is true. |
| 83 | B | Both are true, but collective organisation is one factor rather than the sole explanation of stronger bargaining power. |
| 84 | A | Both are true and affordable credit directly supports investment, income generation and the ability to manage financial needs. |
Final Tabular Answer Key
| Q | Ans. | Q | Ans. | Q | Ans. | Q | Ans. |
| 1 | A | 22 | A | 43 | A | 64 | A |
| 2 | B | 23 | B | 44 | D | 65 | B |
| 3 | C | 24 | C | 45 | A | 66 | C |
| 4 | D | 25 | D | 46 | B | 67 | D |
| 5 | A | 26 | A | 47 | C | 68 | A |
| 6 | D | 27 | D | 48 | D | 69 | D |
| 7 | C | 28 | A | 49 | A | 70 | A |
| 8 | D | 29 | B | 50 | B | 71 | A |
| 9 | A | 30 | A | 51 | C | 72 | B |
| 10 | C | 31 | C | 52 | D | 73 | C |
| 11 | D | 32 | D | 53 | A | 74 | D |
| 12 | A | 33 | A | 54 | B | 75 | A |
| 13 | D | 34 | D | 55 | D | 76 | D |
| 14 | A | 35 | A | 56 | A | 77 | C |
| 15 | B | 36 | A | 57 | A | 78 | A |
| 16 | C | 37 | B | 58 | B | 79 | B |
| 17 | D | 38 | C | 59 | C | 80 | C |
| 18 | A | 39 | D | 60 | D | 81 | D |
| 19 | B | 40 | C | 61 | A | 82 | C |
| 20 | D | 41 | B | 62 | D | 83 | B |
| 21 | A | 42 | A | 63 | C | 84 | A |