Recent Bank Solution Jamuna Bank Probationary Offcer- 2014 JAMUNA BANK LTD. RECRUITMENT TEST FOR PROBATIONARY OFFICER:20 14 TOTAL MARKS: 100 EXAM HELD ON: 17.01.2014 Part-| Multiple Choice Question (MCQ); Mark: 75 ENGLISH LANGUAGE & COMMUNICATION: Question (1 to 5): In each of the question below, there is a sentence of which some Parts have been jumbled up. Rearrage these parts which are labeled P, Q, R and S to produce the correct sentence. Choose which of the option (A), (B),(C), (D) or (E) is the proper sequence and your answer sheet accordingly. 01. AFrench woman P: committed suicide Q: where she had put up R: who had come to Calcutta S: by jumping from'the first floor balcony ofthe hotel a) QRPs bygrsp )RPSQ d)RSPQ e)PsRQ Answer: A French Woman- R- who had come tocalciitta. P:- committed suicide, St by jumping from the firstfloor balcony of the hotel. Q where she had put up. ans: € 02, When he Pr-did not know Q:he was nervous.and R:heard the hue and cry at midnight S:what to do a) RQPS b) QsPR ‘ . ¢)SQPR 4) PQRS e) RPQS ‘Answer: When he- R: heard the hue and cry at midnight. ‘Q:hewas nervous and id not know - what to do ans! A 3. Ithas been established that instein was, Q:although a great scientist /eak in arithmetic St right from his school days a) SRPQ b)QPRS apse 4) RQPS €) SQRP Answer: It has been established that- Qalthough a great scientist Einstein was :- weak in arithmetic Ss-right from his school days ans: B Job Publications Limited 101 ‘Whether you think you can or, think you can't; you ae right.Recent Bank Solution Jamuna Bank Probationary Offcer-2014 04, tread an advertisement that said P: posh, air-conditioned Q gentlemen of taste re available for : fully furnished rooms. 2) SPQR b) gsrP ©) PSRQ 4) QPSR ) PQRS Answer: | read an advertisement that said- osh, air-conditioned ‘fully furnished rooms re available for Q:- gentlemen of taste ans: C 05. Since the beginning of history P: have managed to catch Q; the Eskimos and Red:ndians. : by a verydifficult method S:a few specimens of this aquatic animal a) QRPS b) SQPR SQRP d)QPSR e) PQSR Answer: Since the beginning of history- @ the Eskimos and Red indians Pzhave managed to catch 3ifew specimens of this aquatic animal : by avery diffieult method ans: D Questions(6 to:10); For each question/'Select the word(s)/phrase(s) that appropriately fill(s) in the gap(s). 06. According, to.corporate. circles. Bengal ‘Corporation, is pushing through the merger to create a finandally____ company in the processed foods business, the group's thrust area since the 1990's. a)acceptable b) powerful <)leading 4) straight e) huge Answer: Merger SIC 2 28 at Wrelhie MOBI a Me AGU FaF He | IMG TT Merger MF AMT TAT eaferareast aPC financially leading company ate GT bt fer | Bat 1990 ANT ACS ale Me SIMS CRT fers ans: C 07, Irony can, after a fashion, become a mode of escape; to laugh at the terrors of life is in some sense to__ them. a) overstate b) revitalize ¢) corroborate d) evade e)license Answer: ica wed 6 ida watt 97 ATRIA Wa evade. correct word is evade. ans: D 08. Scientists__anew planet. a) had just discover b) just discover ©) have just discover d) have just discovered e) none of these ‘Answer: Sequence of tense 408 have just discovered @4 | ‘areata ef: frentat rca wath aga ae wnTeTa FACT ans: D Job Publications Limited 102 Whether you think you can or, think you can't; you are right.Recent Bank Solution Jamuna Bank Probationary Officer-2014 09, The miser gazed, at the pile of gold coins in front of him. a) avidly b) admiringly ¢) thoughtfully d)eamestly €) surprisingly Answer: Avidly means greedy. So, the miser is gazed avidly at the pile of gold coins infront of him. Riba er : Gort corel wing syCe ha ECA ice Eh coice wife ze | ans: A 10. At one point, it looked as if an area of agreement would__ specially over the issue of productivity linked wages. a) develop b) come out emerge | ) grow e) start ‘Answer: Come out means to say publicly whether you agree or disagree with something. €I@ an area of agreement would come out &4 | ateriba wd : ae onficr ore: VenteAheret afew eas eet wraT pita ca PB Rea ae CH ABER ans: B Questions 11 to 18: In each of the following sentences, there is one word missing. Identify the missing word from the given choices. 11, Over last fifty years,theré has been # growing interest in trade in my country. a) towards b) the cas 4) Within e)an Answer: Over the last fifty years Wa I So'the! is missingword, cans: B 12, The doctor advised to take the medicine twice.a day. a) daily b) only c)me d) with e) what Answer: Advise MIct S4cr™" GFE | ‘acai: wrote ecw fice 8 at CHE hens Borer FicleerT | @etcT me! missing word. Ans: € 13. The chief guestof the seminar spoke to the audience'concerning career. a) with b)their ¢)about d)for e) there ‘Answer: Concern with WiGT ASE / faz | Nica et: cafiercas cea aot mfoort Rar gate Ke HB ater wat See | RTC ‘with! missing word. ‘ ans: A 14, Donot emphasize their mistakes so much. a)in b)on oby d)at €) where Answer: Emphasize on &4 | 'on! #ic# missing word. ‘Tica OE: ITE Beers ae Cath ey fits A | ans: B 15. Ina debate, it is sometimes necessary to remind speakers about the main points which are considered, a)even b) for )being d) regarding e) never Answer: Missing word is 'being’. Being will be used before considered. ans: C Questions 16 to 20: In the questions given below out of the five alternatives, choose the one which can be substituted for the given definition. 16, Aname adopted by an author in his writings: a) Nickname b) Pseudonym ©) Nomenclature d)Title €) impersonate Answer: Question et iH" @omt ed: Nickname- GIEaTy, Pseudonym- tReet SES CIO GNI Sige TORT ‘RACE age ATE, Nomenclature Tam fC ATTEN Te | ans: B Job Publications Limited 103 ‘Whether you think you can or, think you can't; you are right.Recent Bank Solution Jamuna Bank-Probationary Officer-20%4 17. That which cannot be corrected: a) Unintelligible b) Indelible o)illegible 4d) incorrigible e) Nomad Answer: Question «a #4 “19 wert WE: Incorrigible- SOT SIDA CGH aI KEPT at AAS eat ATRL AT / ‘Safe Fa) CHMANAT ARE AT aR, Indelible- FET WEA, WR CRN GW, Nomad- TRY, lllegible- TBAT ET | That which can not be corrected is incorrigible. ans: D 18, Asmall shop that sells fashionable clothes, cosmetics, ete. . a) Store b) Boutique Stall d) Booth ) Superstore ‘Answer: A smail shop / Store that sells fashionable clothes, costmetics etc. is called boutique. Boutique- AT CaS care Creer) BtefBereay/ rere compares rae wT Soret arse) Fee aT A | ans: B 19, Habitually silent or talks less: a) Taciturn a b) Servile Sr ©) Unequivocat’ “Ss d) Synoptic eo) Quiet Si Answert Question 4 #Oaximarmta 84: Taciturn Ret, Quiet *e/ Aree, Unequivocal- 748 | a Habitually silent or t2IRStess means TacttUrrine ans: a 20. Be the embodiment or perfect example off : , ” foe watags 9 a) Characterise b) Personiy idol ) Signify @) Exemplary Answer: Question 4a #4 ~aetmt ed: Embodiment. Ca ane) enlace Bare, Exemplary. Sa4/ RRA BH eAFE/ MT SaTRR idol tree ale AS | Be the embodiment or perfect example'of meafis Exemplary. ans: E Questions 21 to 25: Rearrange the following six sentences in proper sequence to form a meaningful paragraph, then answer the questions given below. . ; 1) Its current was very powerful and could take away big tree trunks. 2) There were some children, playing on the bank of the waterway. 3) Inthe forest of Sonagaji, there is a big lake. 4) The excess water started flowing forcefully through the waterway. 5) Once there was a very heavy rain because of which the lake started overflowing. 6) A poor man noticed it and rushed to save them. The above six sentence in proper sequence: 1° G)In the forest of Sonagaii, there is a big lake. 2" 5 (5) Once there was a very heavy rain because of which the lake started over flowing. 3°» (4) The excess water started flowing forcefully through the wate:rway. 4" 5 (1) Its current was very powerful and could take away big tree trunks. st (2) There were some children, playing-on the bank of the waterway. 6" (6) A poor man noticed it and rushed to save them. Job Publications Limited 104 ‘Whether you think you can or, think you can't; you are'rightRecent Bank Sol 21. Which of the following should be the second sentence? Jamuna Bank Probationary Officer-2014 Job Publications Limited 105 a)6 b)s 04 43 e)2 Answer: Sz Sequence WE 2™ sentence VA WA (B). ans: B 22. Which of the following should be the first sentence? 2)6 b)5 4 43 22 Answer: 8*tca# Sequence 80e I" :sentence Sa SA (D). ans: D 23. Which of the following should be the third sentence? 2)6 b)5 “4 4)3 e)2 Answer: Sata# Sequence 40e 3" sentence Rt SA (C). ans: C 24. Which of the following should be the sixth sentence? a)6 b)s <4 4)3 2 * — Answer: Setera'Sequience We 6" sentence Aa BTA (A). ans: A 25, Which of the following should be the fourth sentence? a)s b)4 93 42 e)! Answer: Seta Sequence Wee 4" sentence RTS (E). ans: E ‘MATHEMATICAL AND ANALYTICAL APTITUDE 26. Kf x= 2y=3z/and xyz =36, what Is the value of 2? 1 by vz ¢)3 e) none of these =z=8 222 ans. A 27. How many numbers from 1 to 200 inclusive are equal to the cube of an integer? a)1 b)2 93 d)4 e) none of these Answer: 1° = 1, 2°= 8, 3°=9, 4° = 64, 5° = 125 ‘So there are 5 integers. ans. E \Whether you think you can or, think you can't; you are right.Recent Bank Solution Jamuna Bank Probationary Officer-2014 28. Ata particular moment, if the angle between the hour hand and the minute hand of a clock is 105°, what was the time by the clock at that time? 2) b) 6:40 3: 4)3:30 e) none of these ‘Answer: Back calculation #4 answer (44 Face &4 | = 1IM-60Y x 20- cart (A) a ae ee WBN ARC OT are. | MESON | HR 20-69% 6 | 1909 angle LIM-60Y, 11x 40-6 x 60 cpteren, er (py SO | AOS 6 | 40? angle i a aT Ix %: a corm (¢) | OY 5 S603 7 5° angle 1 IH) wet (p) |S 03 | 7.5! angle @ 1 ait a7 1 ans. E 29, The solid brick shown is made of small square shaped bricks of side 1. When the large brick is disassembled into its component small bricks, the total surface area of all the small bricks is how much greater than the surface area of the large brick? aa a)32 b)40 60 d)72 e) none of these Answer: Cube wrgfea caid 85 wig 1216 1 staat wife, Cube a Surface Area = 6 x (#1R) Gube sigioa 12{P aid, Bbx Surface Area = 12 496 x (1)' = 72. RITA, BR CubeUIg eH. 1210 cals Bo Facer Rectangle Stteaa wel ay BS ex UIA tH a= 3, AFb=2 oar GH, c= 2. ‘araat wifi, Rectangle WA Srface area = 2(ab + be + ea) = 2(3 x 2) + (2x 2)+ (2 x 3)] = 32. ‘small — Big = 72 - 32 = 40. ansB 30. A jar contains 4 red toothpicks, 10 blue toothpicks and 6 yellow toothpicks. If three toothpicks are removed from the bag at random and no toothpick is returned to the bag after removal, what probability that all three toothpicks will be blue? a)i2 b) 1/8 3720 a2 e) none of these ans.D 10 Answer: Probability (all three) => x75 * 1819 31. Asurvey of City A found an average (arithmetic mean) of 3.2 people per household and an average of 12 DVD players per household. if 48,000 people live in City A, how many DVD players are there in City A? a) 15,000 b) 16,000 <) 18,000 4) 40,000 e) none of these Answer: 3.2 people live in 1 household -. I people lve in sty household 48 +. 48000 people live in se = 15000 households I household @ @1c# 1.2 DVD > 15000 household-a 0% (1.2 x 15000) = 18000 people. Job Publications Limited 106 Whether you think you can or, think you can’ you areRecent Bank Solution Jamuna Bank Probationary Officer-2014 32. Rafia ran from her house to school at an average speed of 6 miles per hour and returned along the same route at an average speed of 4 miles per hour. If it took her one hour in total to run to the school and ‘come back, how many minutes did it take her to run from her house to school? a) 16 b) 18 <)20 4)22 24 Answer: Let, Distance = D Here, T=Time D=Distance S= Speed D we know, T="5 ©. SNS Time 2D+3D 12 p= mi 5 Miles 60 minutes = Hour 2 3°= 24 minutes. - ans: E 33. Afia can do'her term paper in 15 days which takes Babul 20 days to finish. What is the fraction of work leftif both Afia & Babul work together for 4 days? ay b) 1/10 ! vis d)g/is e)none of these Answer: Afia 1S Trend 8 1 SOT Spfia 4 fot a wa TS SOT WIRTH, Babul 20 fret a eta Poet * Babul'g fret saree Be Ber : 4th Afia 6 Babul arora ticima=(7 54 55 8 2 leit Laer ans: 54. 3, 12, 21, 30, 39 are the first five terms of a sequence. Each term after the first is obtained by adding 9 to the term immediately preceding it. Which term in the sequence is equal to 3 + (33-1)9 ? ays” bo" d)33" ‘¢) none of these ‘irst term =3 2" term = 12 ore race on aera, 3+(2-1)9=12 2" term 3+(-1)9=21 3" term, 3+(4-1)9=30 4" term 34(S5-1)9=39 Ss! term GRIT THT SH Shela (SOcAT 9a LAST WTS term @& Fort Sea | WR 3+(33-1)9= 33" term. ans: D Job Publications Limited Whether you think you can or, think you can't; you are right.Recent Bank Solution Jamuna Bank Probationary Officer-2014 35, Ata party, everyone shook hands with everybody élse. If there were 66 handshakes, how many people were at the party? a) b) 10 g2 4)13 e) none of these Answer: af combination 4 8 | combination «7A, eee = 66 handshakes So, total number of people in the party were 12. ans: € 36, What is the minimum number of chocolates that must be added to an existing stock of 966 chocolates, so that the total stock can be equally distributed among 6, 7, 8 or 9 persons? a)36 b)42 56 4)72 ¢) none of these Answer: = LC MOF 6,7, 8 & 9. i 3|3,7, 49 Widednd b2x3%3x7 x4 = 504) “ALCM = 504 Exlsting stock = 966,:So minimum number of chocolates require = (504 x 2-966)= 42 ans: B 37, Ina college 45% of the students are boys: If 40% of the boys and 20% of the girls went on a picnic, what percentage Oftthe total students went tothe picnic? a) 18% b) 24% 29% d) 30% ) none of these Answer: Boys =45%, S0 = (100—45) ~ 55% Boys went to picnic = 45% of 40% = 18% Girls went to picnic = 55% of 20% = 11% Total students went on a picnic = (18 + 11)%=29% cans: 38. A survey showed that 63% of Bengali people like chicken whereas 76% like fish. If x% of them like both fish and chicken, then what is the range of x? a)0 x% = 139% - 100% 1 X= 39% X GIA 0 CAF 34% GH TH MHA, range WA 0 100 -5x=60-x => 4x=40 x= 10 years, ans: B 40. Baki house. What is the straightdine distance from Baki's house to Diba's house? s 2 miles west of Raju’s house. Rafiq lives 3 miles north of Raju's house and 2 miles west of Diba's a)5 miles. b) 6 miles c)7 miles d)10 miles e) none of these Answer: . y . tu ae i N =! ree =~ ye I w E Baki ()|/2 Raju s Diba ¢- Baki TT ay hase mca fags oe woe we AoA Herd xe, wae 3, 4, a Baki 8 Diba a 4 sadt ary 5 Wa ans: A 41, Mr, Ahsan is insured completely for TK 50,000 of damages to his car. For any damage above Tk 50,000, the insurance company will pay Tk 50,000 plus 20% of the rest of the damage amount. For a recent accident, Mr. Ahsan was paid Tk 56,000 by the insurance company. What was the total amount of the damage estimated? a) Tk 30,000 b)Tk 280,000 ) Tk 104,000 d) Tk 80,000 e) Tk 86,000 ‘Answer: Damage insured = 50000 Damage paid by company = 56000 = 6000 ©. Damage extra p now 20% = 6000 “. 100% =-—S5——= = 30000 ~. Total estimated damage = (50000 + 30000) = 80000 ans: D Job Publications Limited 109, Whether you think you can or, think you can't; you are rightRecent Bank Solution Jamuna Bank Probationary Officer: 2014 42. Ima library, of the books standing in a row on a shelf, an atlas is the 30 book from the left and the 33% book from the right. If 2 books to the left of the atlas and 4 books to the right of the atlas are removed from the shelf, how many books will be left on the shelf? a) 56 b)57 )58 461 e) none of these Answer: L R ie — 2 30" 4 1. Left books = (29 — 2) + (32 ~4) + 1=27+28+1=56 ans: A 43. Two outlets of a motor manufacturing company reported that revenue from outlet X in 2013 was down 11 percent from 2012 and revenue from outlet ¥ in 2013 were up 7 percent from 2012. If total revenue from outlet X & Y in 2013 was up I percent from 2012, what is the ratio of revenue from outlet X in 2012 to revenue fromoutlét Y in 20127 a) 1:2 b) 4:5 ol a 4) 32 e) none of these ans: A 44, Buffet dinner at a restaurant costs Tk 35.50 (excluding sales tax). If the sales tax was more than 10 percent but less than 15 percent of the pre-tax cost of the dinner, then the total amount paid must have been between = a) Tk 40 & Tk 42 b)Tk39.8eTK 41 ) Tk 38 & Tk 40 d)Tk37 &Tk 39 e) none of these Answers TARE MACAIRS AAAS TET 10% Bits = 35950 + 3.55 = 39.05 axe teow cds Se (1586 Bits) = 35.50 + 5.30 = 40.80 ‘WRrange Ws 39 41 4 HT | ans: B 45. A school has raised 75% of the amount It needs for a new building by receiving an average donation of Tk 60 from the people already solicited. The people already solicited represent 60% of the people the college will ask for donations. if the college is to raise exactly the amount needed for the new building, how much must the remaining people donate per person? a)Tk25 b)Tk30 o1k40 d)Tk50 * e) 1k 60 Answer: fi, 100 = ore sce 60% Se 60 SH CoTIe 60 Diet Wa AIA FACT EH = 60 x 60 = 3600 Brat 2. US atc NF = 40 eS Brat ate = 2000109 _ 4309 3600 = 1200 Jefe wea wea 1300. 30 Bret ans: B Job Publications Limited 110 ‘Whether you'think you can or, think you can't; you are ightRecent Bank Solution Jamuna Bank: Probationary Offcer-2014 Questions 46 to 50: in each of the questions below are given two statements (I) and (I). These statements may be either independent causes or may be effects of independent causes or a common cause. One of the two statements may be the effect of the other statement. Read both the stateméhits and decide which of the following answer choices correctly deplets the relationship between these two statements. in your answer sheet: : Mark (A) if statement | is the cause and statement Il is its effect. ‘Mark (B) if statement Il is the cause and statement | isits effect, Mark (C) if both the statements | and II are independent causes. Mark (D) if both the statements | and I! are effects of independent causes, Mark (E)if both the statements | and ll are effects of some common causes. 46. Statement |. A majority of the first year students failed in Mathematics, Statement II. The management has terminated the service of the contractual mathemati¢s teacher: Answer: Statement| isthe cause and statement Ili its effect. So answers option (A), ans: 47, Statement |. Many schools on the district are closed down this year. Statement II. Severeddratght sitiaQioh gripped the state resulting intovacute shortage of drinking water. ‘Answer: Staterfient Ils the cause and statements its effect. So answeris option (B), ans: 8 48. Statement |. Abamoonthe We Of plastic products hasbeen imposed. Statement Il: Smalistale Units producing plasti¢ products are on the verge"@felosufe: Answer: Both the statements | and Ilare éffects of independent causes. So answer Is option(D). ans: > 49. Statement |. Police has Taunched atrackdown h all the criminal aetfties in the locality last month. Statement Il. There has Been a significant decline the cases of riminal activities in the locality. Answer: Statement |is the cause andstatement I i its eff€ct. So answer is option (A). dans: A $0. Statement | A large number of devotees visited the tefhple on Sunday. Statementull. Every Sunday special prayers arelotferéd. Answer: StateMent II is the cause and statement is its effect. So answer is option (B). GENERAL KNOWLEDGE, NATIONAL & INTERNATIONAL AFFAIRS 51. Which of the following banks get license in Bangladesh in recent times? a) Midland Bank b) NRB Bank ¢) Both (A) & (8) 4) Habib Bank e)all of (A(8)(D) ans: C 52, What was Bangladesh's sovereign rating assigned by S&P in the year 20132 a) AAA b) BB+ OAAb d)AcB ©) BB- ans: B 53. Whats the projected GDP growth rate of the world by IMF for 2014? a)3.6% b)4% )-2% 1) 1.98% ©)2:13% ans: A 54, Grameen Bank is regulated directly by - 8) Bangladesh Bank b) PKSF ) Ministry of Commerce 4) BRAG e) none of these ans: A 55. Industrial Revolution had originated in- a)UK b) France USA d) Germany e) none of these ans: A Job Publications Limited Mm Whiether you think you can or, think you can't; you are right.Recent Bank Solution Jamuna Bank Probationary Officer-2014 56. Which one of the following is one of the SME Banking products of Jamuna Bank Ltd? 2) Jamuna Chalantika b) Jamuna Small ) Green Banking 4) Grow Big e) Village fans: A 57, Jamuna bank is a___genera a)I* b)3 Bx= 1029-15 15+10 => 8x-9x. * Red tomatoes =3 x 5=15 Ans. ii) Kalim is asked to write a study guide for a textbook. For his work, the publishing company is giving hima choice of a one-time payment of Tk 13.375 or Tk 2.000 plus 10% royalties per copy sold. If the proposed royalty rate results in a royalty of Tk 3.25 per study guide sold, how many study guides need to be sole for the total income received by Kalim to be the same from either choice? ‘Answer: Let Total number of study guide needs to be sold = x According to que 2000+ 3.25x = 13,375 _ 11375 7 * Se) Mh, x= 3500 Ans. Job Publications Limited W2 Whether you think you can o, think you can't; you are right.a ae Recent Bank Solution Jamuna Bank Probationary Offcer:2014 ‘Question 2: Fill in the blanks , Instruction: Ji! dhe blasks in the lollowing paragraph with appropriate words given in the table. No word can be used more than once. There are two extra words. Cowngraded | investor | prompted [deterioration] toughest | battling] accumulated (Fe miemrngy | (Race) | (BeaiFee/ | (ereafe/ stat] @TwR) (qaTe/ afro fr SICA) ‘wStz) Beet) RRS) wage) Australian carrier Qantas said it was facing some of its_ever challenges on Thursday as Moody's its_ credit rating to junk, with the airline__ intense competition and spiralling costs. Moody's cited "a sharp — im the company's core domestic business" following the airline's shock profit warning and announcement of job cuts in December, which had already Standard and Poor's to assign it junk status. Answer: (1) Toughest (2) Downgraded (3) Battling (4) Deterioration (5) Prompted. Question 2: Critical Writing “Progress depends on'those who refuse t6'€onform and who actively resist the status quo”. Answer: Progress. depends on.those who refuse to conform and who actively resist the status quo, #,, Conform implies thé’aet in accordance with current customs.orfrodes. Status quo on the other hand, actually refers the situation or existing state of affalrS, the general state of things; the combination of circumstances at a given time. % Change,ls an indispensable condition for mankind’s evolution and progress. it’ becomes even more imperative"When the status quo is unjust/'fetrogressive, and obscurantist. Nations and ivilizations, which lose dynamish"or'the: ‘capacity to reform, inevitably are left far behind in the race for human Progress. Status quo hinders the total quality. So managing it is akey to ensure progress. % Many people prefer the current state because they don’t like to take risks. They are comfortable with the status quo, or the existing status which hinder the progress. % Fearing radical change, many prefer to continue in the current condition, even if that condition is not optimum, They consider even less than favorable circumstances to be better than the unknown. in other words, change is not necessarily considered progress. ‘Accept new facts ides and way of thinking and dynamism ensure progress. % Start to think and act in a process oriented manner and not to stagnant in e ing state enhance progress. e Dramatic change in structure and organization are required to speed up total quality improvement. Moving ahead and forward ensure success or development. soe Refusing conformity and establish new ideas, standards and policies also ensure progress. Job Publications Limited 113 Whether you think you can or, think you can't; you are right