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Archives: News

  • Finance Commission – Issues related to devolution of resources

    Should State Governments borrow more? | Explained

    Why in the News? 

    Recently, the SC rejected Kerala’s plea for immediate relief in its case urging the Union government to ease borrowing constraints, allowing the state to secure extra funds in the ongoing fiscal year.

    State governments receive funds from three sources:

    • Own revenues (tax and non-tax)
    • Transfers from the Union government as shares of taxes and as grants 
    • Market borrowings

    Fiscal Demands for Extra Funds: 

    • Increased Expenditure: In 2020-21, the Kerala government sharply increased its spending to 18% of its GSDP, to provide economic relief in the wake of the COVID-19 pandemic, aided by the relaxation in borrowing norms then
    • Central Gov transfers to Kerala declined: As ratios of GSDP, the Union government’s transfers to Kerala declined to 2.8% in 2023-24, significantly lower than previous years, even as the State’s revenues remained at around 8.0%. 
    • This meant that, in 2023-24, the State government could meet its modest budget expenditure, equivalent to 14.2% of GSDP, only by raising the borrowing to 3.4% of the GSDP

    Socio-Economic for Extra Funds: 

    • Aging Population: Kerala, like many other states, faces the challenge of an aging population, which puts pressure on pension funds and healthcare systems, necessitating long-term financial planning and investment.
    • Pension Liabilities: The substantial outgo for pensions poses a financial burden on the state’s budget, requiring strategies for sustainable pension management to ensure fiscal stability.
    • Youth Outmigration: Kerala experiences significant outmigration of its youth, leading to a loss of productive workforce and potential tax revenues, highlighting the need for policies to retain skilled workers and stimulate economic growth

    About Net Borrowing Ceiling (NBC):

    • The net borrowing ceiling for states in India denotes the maximum threshold set on the funds that state governments can borrow within a fiscal year.
    • Significance: Ensuring fiscal discipline and preventing states from accumulating excessive debt, the net borrowing ceiling plays a pivotal role. 
    • Factors: The criteria for setting these limits are shaped by various factors such as inputs from the Finance Commission, the Fiscal Responsibility and Budget Management (FRBM) Act, and specific directives from the central government, notably the Ministry of Finance.

     

    Basis of the Net Borrowing Ceiling:

    • Fiscal Responsibility Legislation: Both the central and state governments in India adhere to the FRBM Act, which establishes fiscal deficit goals to uphold fiscal discipline. Under the FRBM, states are required to maintain a fiscal deficit limit of 3% of the Gross State Domestic Product (GSDP).
    • Central Government Guidelines: The central government, through the Department of Expenditure in the Ministry of Finance, sets the annual borrowing limits for each state based on a formula that considers the state’s GSDP, existing debt levels, fiscal discipline, and other relevant factors. These limits can be revised in response to special circumstances, such as natural disasters or significant economic downturns.
    • Finance Commission Recommendations: The Finance Commission, which is constituted every five years, recommends how the central taxes are to be divided between the centre and the states and suggests measures to maintain fiscal stability. It also provides recommendations regarding the borrowing limits of states.

    Conclusion: States need to put in place an effective forecasting and monitoring mechanism for cash inflows and outflows so that a need-based approach is followed for market borrowings and the interest cost of cash surpluses is minimized.

     


    Mains PYQ

    Q What were the reasons for the introduction of Fiscal Responsibility and Budget Management (FRBM) Act, 2013? Discuss critically its salient features and their effectiveness. (UPSC IAS/2013)

  • Nuclear Energy

    Nuclear power is key to development, says study

    Why in the news? 

    A recent report published by  IIM-A suggested that India must prioritize investment in Nuclear energy sector and expand related infrastructure.

    Why India must prioritize investment in the Nuclear energy sector?

    India aims to be a developed country by 2047 and is on track to achieve net zero — or effectively zero-carbon dioxide emissions by 2070. 

    Key findings of the Report: 

    • Current Energy Mix: Solar energy constitutes 16% of India’s installed generation capacity, while coal comprises 49%. Nuclear energy currently comprises only 1.6% of India’s energy mix
    • Significant increase in nuclear power: The best-case scenario shows emissions falling to 0.55 billion tonnes of carbon dioxide by 2070, achieving ‘net zero’. This scenario entails a significant increase in nuclear power capacity, reaching 30 GW by 2030 and 265 GW by 2050.
    • Investment Requirements for Nuclear Energy: Achieving the proposed figures for nuclear energy would necessitate a doubling of investments. India would require an estimated ₹150-200 lakh crore between 2020-2070 to finance the necessary transitions in the energy sector
    • Need technology-based solution: The authors emphasize that achieving net zero emissions requires a combination of technologies rather than a single solution.
    • Transitioning away from coal: Coal is expected to remain a significant component of India’s energy system, serving as the “backbone”. However, transitioning away from coal would require substantial investment  

    What are the Challenges for India’s Goal of Net-Zero Emissions?

    • Uranium Factor: Data by the Central Electricity Authority say solar energy accounts for 16% of India’s installed generation capacity. To achieve these idealistic figures for nuclear energy would require a doubling of investments as well as the assumption that uranium, a critical fuel but restricted by international embargo, is available in necessary quantities.
    • Coal Factor: Coal accounts for 49% of India’s capacity. Coal would likely be the “backbone” of the Indian energy system and if the country has to phase down coal in the next three decades, it would need to build adequate infrastructure for alternative sources such as nuclear power, in addition to flexible grid infrastructure and storage to support the integration of renewable energy.

    Suggested measures by the Report are:

    • Research and Development: Invest in research and development to improve efficiency and reduce costs of renewable energy technologies, as well as advancements in nuclear energy technology.
    • Policy Support: Implement supportive policies and regulations to encourage private sector investment in the energy sector, including streamlined approval processes, tax incentives, and renewable energy mandates.
    • International Cooperation: Engage in diplomatic efforts to secure access to nuclear fuel and address international embargoes, while also collaborating with other countries on research and development in the energy sector.

    Conclusion: India’s path to development by 2047 hinges on prioritizing energy sector investment, as per an IIM-A report. Achieving net zero emissions by 2070, India would need close to ₹150-200 lakh crore between 2020-2070 to finance these transitions.


    Mains PYQ

    Q With growing energy needs should India keep on expanding its nuclear energy programme? Discuss the facts and fears associated with nuclear energy. (UPSC IAS/2018)

     

     

  • Right To Privacy

    Living wills implementation lags in India

    Why in the news? 

    In early March this year, 30 people in Thrissur in Kerala executed living wills.

    Context:

    • The Supreme Court’s 2018 order on Passive Euthanasia, wherein it recognized the ‘Right to die with dignity’ as a fundamental right and an aspect of Article 21 (right to life) of the Constitution.
    • However, the people wanting to get a “living will” registered were facing problems due to cumbersome guidelines, prompting a reconsideration by the apex court.
    • A Constitution Bench, led by Chief Justice of India Dipak Misra, in three concurring opinions, upheld that the fundamental right to life and dignity includes the ‘Right to Refuse Treatment and Die with dignity’.

    What is a Living Will? 

    A Living Will is a healthcare directive, in which people can state their wishes for their end-of-life care, in case they are not in a position to make that decision.

    The Court’s procedure:

    • Pre-2023: Initially, the process of creating living wills was deemed overly complex by the Court, with elaborate bureaucratic procedures in place to prevent abuse by unscrupulous individuals seeking to exploit the patient’s assets.
    • Post-2023: Recognizing the impracticality of requiring judicial magistrate countersignatures on living wills, the Court streamlined the process in January 2023. Now, living will require signatures in the presence of witnesses, attestation by a notary or gazetted officer, and submission to a designated government officer acting as a custodian.

    Challenges in Implementation :

    • Decision-Making Process: Even if a living will is created, its implementation is not automatic. Decisions on withholding or withdrawing treatment require certification by primary and secondary medical boards, posing logistical challenges, especially in hospitals without designated boards.
    • Ambiguities and Discomfort: Ambiguities in guidelines, discomfort with end-of-life care topics, and unclear legal definitions contribute to the hesitancy among officials to implement the Court’s directives without clear instructions from higher authorities.
    • Legal Ambiguity: Indian law lacks a clear definition of ‘next of kin’, leading to potential disputes among family members about medical decisions for terminally ill patients.
    • Barriers to End-of-Life Decisions: A survey of intensive care doctors reveals a general belief that end-of-life decisions are fraught with legal implications, serving as a significant barrier to making such decisions in the ICU.
    • Regional Disparities in India:
    • Haryana: While some states like Haryana have issued directions to follow the judgment, they have not provided essential guidance or protocols for implementation.
    • Odisha: In contrast, Odisha has taken a more thorough approach by forming a committee of experts to develop detailed draft orders for implementing the judgment, setting a potential example for other states.

    Conclusion: The central government could help bridge the gap in expertise by developing and publishing model orders and protocols to provide states with confidence and guidance in effectively implementing the judgment.


    Mains question for practice 

    Q Discuss the challenges surrounding the implementation of living wills in India, as established by the Supreme Court’s landmark judgment in 2018.

     

     

     

  • ISRO Missions and Discoveries

    India among countries mulling telescopes on, around the moon

    Why in the news? 

    Astronomers are looking forward to opening a new window on the universe by posting high-resolution telescopes on the moon and in orbit around it.

    Why Astronomers are looking forward to opening telescopes on the moon?

    • Radio telescopes launched into orbit around Earth exacerbated the problem of receiving radio noise from the entire planet, along with signals from outer space.
    • The moon’s far side offers pristine, airless conditions ideal for optical telescopes, providing crystal-clear seeing conditions during the two-week lunar night.

    Global Initiatives to Install Telescope on the Moon:

    • NASA’s LuSEE Night Project: LuSEE Night, a joint NASA-Berkeley Lab project scheduled for launch in December 2025, aims to study the Dark Ages period by landing on the far side of the moon, shielded from radio frequency noise from Earth.
    • ESA’s Projects: ESA is preparing to launch a radio telescope to the moon’s far side aboard its lunar lander, ‘Argonaut’, by 2030, along with other projects focused on gravitational wave detection and infrared observations.
    • China’s Initiatives: China is also actively involved in lunar exploration, with plans to launch a moon-orbiting radio telescope in 2026 and deploy the Queqiao-2 satellite, which includes a radio telescope payload, to serve as a communications relay between Earth and future missions.

    Indian Initiative 

    • PRATUSH: Indian scientists plan to deploy the radio telescope PRATUSH on the moon’s far side, built by the Raman Research Institute (RRI) in collaboration with the Indian Space Research Organisation (ISRO).
    • Deployment Process: Initially, ISRO will place PRATUSH into orbit around the Earth, then fine-tune it before launching it towards the moon. Operating in Earth orbit will offer advantages such as free space operation and reduced ionosphere impact compared to ground-based experiments.
    • Observational Advantages: PRATUSH in lunar orbit will have ideal observing conditions, operating in free space with minimal radio frequency interference (RFI) and no ionosphere, essential for studying the signal from the Dark Ages.
    • Instrument Features: PRATUSH will carry a wideband frequency-independent antenna, a self-calibrating analog receiver, and a digital correlator to capture radio noise in the signal from the Dark Ages.

    Conclusion: The global initiative to deploy telescopes on and around the moon aims to overcome Earth’s radio noise and capitalize on the lunar far side’s pristine conditions for groundbreaking astronomical observations, including studying the universe’s early Dark Ages.


    Mains question for practice 

    Q Discuss the global initiatives to deploy telescopes on the moon.

     

     

     

  • RBI Notifications

    Digital India Trust Agency (DIGITA) to check Illegal Lending Apps

    Why in the news?

    To address the rising threat of cyber fraud, the Reserve Bank of India (RBI) is planning to establish a Digital India Trust Agency (DIGITA).

    About Digital India Trust Agency (DIGITA)

    DIGITA aims to tackle the proliferation of illegal lending apps by verifying and maintaining a register of authenticated digital lending platforms.

    Role of DIGITA:

    1. Public Register: It will maintain a public register of verified apps, providing transparency and aiding law enforcement agencies in identifying unauthorised platforms.
    2. Verification Hub: It will serve as a central agency for vetting digital lending apps, ensuring their authenticity and compliance with regulations.

    Regulatory Implications

    • Apps lacking the ‘verified’ signature from DIGITA will be deemed unauthorized, enhancing law enforcement efforts against financial crimes in the digital domain.
    • Verification processes will promote transparency and accountability within the digital lending sector, curbing fraudulent activities.

    Progress made so far

    • The RBI has shared a list of 442 digital lending apps with the IT Ministry for whitelisting with Google.
    • Google has removed over 2,200 digital lending apps from its PlayStore, aligning with RBI and DFS directives to only allow apps from regulated entities or their partners.

    PYQ:

    2016:

    Regarding ‘DigiLocker’, sometimes seen in the news, which of the following statements is/are correct?

    1. It is a digital locker system offered by the Government under Digital India Programme.

    2. It allows you to access your e-documents irrespective of your physical location.

    Select the correct answer using the code given below.

    (a) 1 only

    (b) 2 only

    (c) Both 1 and 2

    (d) Neither 1 nor 2

     

    Practice MCQ:

    Consider the following statements about RBI led Digital India Trust Agency (DIGITA):

    1.    It aims to tackle the proliferation of illegal lending apps.

    2.    Apps lacking the ‘verified’ signature from DIGITA will be deemed unauthorized.

    Which of the given statements is/are correct?

    (a) Only 1

    (b) Only 2

    (c) Both 1 and 2

    (d) Neither 1 nor 2

  • Global Geological And Climatic Events

    Taiwan’s Earthquake and the Pacific Ring of Fire

    Why in the news?

    • Taiwan was struck by its most powerful earthquake in at least 25 years.
    • Its susceptibility to earthquakes is attributed to its location along the Pacific “Ring of Fire” where a majority of the world’s seismic activity occurs.
    • Taiwan is primarily influenced by the collision of the Philippine Sea Plate and the Eurasian Plate.

    What is the Pacific ‘Ring of Fire’?

    • The Pacific ‘Ring of Fire’ or Pacific Rim, or the Circum-Pacific Belt, is an area along the Pacific Ocean that is characterized by active volcanoes and frequent earthquakes.
    • Volcanic arcs and oceanic trenches partly encircling the Pacific Basin form the so-called Ring of Fire.
    • It is home to about 75 per cent of the world’s volcanoes – more than 450 volcanoes.
    • Also, about 90 per cent of the world’s earthquakes occur here.

    Its spread

    • Its length is over 40,000 kilometres and traces from New Zealand clockwise in an almost circular arc covering Tonga, Kermadec Islands, Indonesia.
    • It is moving up to the Philippines, Japan, and stretching eastward to the Aleutian Islands, then southward along the western coast of North America and South America.

    Seismic activity of the region

    • The area is along several tectonic plates including the Pacific plate, Philippine Plate, Juan de Fuca plate, Cocos plate, Nazca plate, and North American plate.
    • The movement of these plates or tectonic activity makes the area witness abundant earthquakes and tsunamis every year.
    • Along much of the Ring, tectonic plates move towards each other creating subduction zones.
    • One plate gets pushed down or is subducted by the other plate.
    • This is a very slow process – a movement of just one or two inches per year.
    • As this subduction happens, rocks melt, become magma and move to Earth’s surface and cause volcanic activity.

    PYQ:

    2020: Discuss the geophysical characteristics of Circum-Pacific Zone.

  • Wildlife Conservation Efforts

    Caracals on the brink of extinction in India

    Why in the news?

    • With only an estimated 50 individuals remaining, predominantly in western India, the caracal (Caracal caracal schmitzi) is on the verge of extinction in the country.
    • Ranthambhore Tiger Reserve in Rajasthan and Kutch in Gujarat are the last strongholds for caracals in India, hosting around 28 and 20 individuals, respectively.

    About Caracals

    • Caracals are small wild cats known for their long ears with tufts and a reddish-tan or sandy-brown fur. It is called Siya Gosh in India.
    • It is nocturnal animal typically preys upon small mammals, birds, and rodents.
    • They live naturally in India, especially in Northwestern India. They are also found in Africa, the Middle East, and Central Asia.
    • They are found in Aravalli hill range, semi-deserts, savannahs, scrublands, and dry forests.
    • Caracals used to live all over Central India and the Indo-Gangetic plains, but they haven’t been spotted in those areas for 40 years.

    Conservation Status

    • Caracals are listed as ‘Least Concern‘ on the IUCN Red List globally.
    • It is listed as Near Threatened in India,
    • It falls in the Schedule-I of the Indian Wildlife (Protection) Act, 1972.

    Protection Efforts

    • In 2021, the National Board for Wildlife (NBWL) and the Ministry of Environment, Forest and Climate Change (MOEFCC) announced a plan to recover and increase the population of 22 species in India, including caracals.
    • Areas like Kutch, Aravalli mountains, Malwa plateau, and Bundelkhand region have been identified as potential habitats, with the Ranthambore-Kuno Landscape being a key conservation site.

    PYQ:

    2017:

    In India, if a species of tortoise is declared protected under Schedule I of the Wildlife (Protection) Act, 1972, what does it imply?

    (a) It enjoys the same level of protection as the tiger.

    (b) It no longer exists in the wild, a few individuals are under captive protection; and now it is impossible to prevent its extinction.

    (c) It is endemic to a particular region of India.

    (d) Both B and C stated above are correct in this context.

  • Wildlife Conservation Efforts

    Nagarjunasagar-Srisailam Tiger Reserve (NSTR)

    Why in the news?

    The Forest Department and a temple authority at Ahobilam have imposed certain restrictions on visitors arriving at a shrine in Nagarjunasagar-Srisailam Tiger Reserve (NSTR).

    About Nagarjunasagar-Srisailam Tiger Reserve

    Details
    Origin of Name Named after Nagarjuna Sagar Dam and Srisailam Dam.
    Location Situated in the Nallamala hill range, part of the Eastern Ghats in Andhra Pradesh.
    Area Largest tiger reserve area in India, covering a total area of 3727 sq km.
    Wildlife Sanctuaries Constituted by the Rajiv Gandhi Wildlife Sanctuary and the Gundla Brahmeswaram Wildlife Sanctuary.
    Vegetation Features tropical, dry, moist, deciduous vegetation with diverse flora and fauna.
    Topography Consists of plateaus, ridges, gorges, and deep valleys.
    River Krishna Traverses through the reserve for approximately 270 kilometers.
    Additional Information
    • Attained tiger reserve status in 1983.
    • Home to Bengal tigers, Indian leopards, and more.
    • Habitat contains several endemic species of plants.
    • Tropical dry deciduous forests with bamboo and grass undergrowth.

     

    PYQ:

    2020:

    Among the following Tiger Reserves, which one has the largest area under “Critical Tiger Habitat”?

    (a) Corbett

    (b) Ranthambore

    (c) Nagarjunsagar-Srisailam

    (d) Sunderbans

     

    2015:

    Consider the following pairs :

    Place of Pilgrimage: Location

    1.    Srisailam : Nallamala Hills

    2.    Omkareshwar : Satmala Hills

    3.    Pushkar : Mahadeo Hills

    Which of the pairs given above is/are correctly matched?

    (a) 1 only

    (b) 2 and 3 only

    (c) 1 and 3 only

    (d) 1, 2 and 3

     

    Practice MCQ:

    It is the largest tiger reserve in India, covering a total area of 3727 sq km. It is constituted by the Rajiv Gandhi Wildlife Sanctuary and the Gundla Brahmeswaram Wildlife Sanctuary and features tropical, dry, moist, deciduous vegetation with diverse flora and fauna.

    Which protected area is implied by the above description?

    (a) Nagarjunasagar-Srisailam Tiger Reserve

    (b) Sathyamangalam Tiger Reserve

    (c) Kalakkad Mundanthurai Tiger Reserve

    (d) Biligiriranga Swamy Temple Tiger Reserve

  • Innovations in Biotechnology and Medical Sciences

    OptiDrop platform for studying Single Cells

    Why in the news?

    The Centre for Cellular and Molecular Platforms (C-CAMP) in Bengaluru has unveiled OptiDrop platform designed to simplify and significantly reduce the cost of studying single cells.

    About C-CAMP

    • C-CAMP Initiative was established in 2009 under the aegis of the Department of Biotechnology, Ministry of Science, Technology, and Earth Sciences.
    • It stands as India’s premier biosciences research and innovation hub.

    What is OptiDrop?

    • OptiDrop presents a cost-effective alternative to traditional flow cytometry methods, making single-cell analysis more accessible to a broader range of researchers and institutions.
    • OptiDrop simplifies single-cell analysis by encapsulating individual cells within droplets, facilitating easier manipulation and analysis compared to traditional methods.
    • Key features such as affordability, live data visualization, compact design, and closed-system architecture enhance its suitability for diverse clinical applications.
    Cytometry is the measurement of number and characteristics of cells. Variables that can be measured by cytometric methods include cell size, cell count, cell morphology (shape and structure), cell cycle phase, DNA content, and the existence or absence of specific proteins on the cell surface or in the cytoplasm.

    Applications of OptiDrop

    • Expansive Utility: OptiDrop unlocks various downstream applications, including drug screening, environmental monitoring, immunotherapy, and single-cell genomics, revolutionizing research across multiple domains.
    • Advanced Research Capabilities: Researchers can leverage OptiDrop to study individual cell behavior during drug screenings, identify and monitor environmental contaminants, sort specialized cell populations, and explore genetic heterogeneity within cell populations.

    Benefits offered by OptiDrop

    • Accessible Technology: Unlike conventional cytometers, which can cost up to Rs 40 lakh or more, OptiDrop offers a cost-efficient solution likely priced around Rs 10 lakh, making it accessible to a broader range of research labs and institutions.
    • Affordable Scalability: OptiDrop’s affordable pricing and scalable design allow institutions of varying sizes to adopt the technology, democratizing access to cutting-edge single-cell analysis capabilities.
    • Long-Term Sustainability: By reducing the barrier to entry for single-cell analysis, OptiDrop paves the way for sustainable and impactful research initiatives, driving innovation and discovery in the life sciences.

    PYQ:

    2020:

    Which of the following statements are correct regarding the general difference between plant and animal-calls?

    1.    Plant cells have cellulose cell walls whilst animal cells do not.

    2.    Plant cells do not have plasma membrane unlike animal cells which do.

    3.    Mature plant cell has one large vacuole whilst animal cell has many small vacuoles.

    Select the correct answer using the code given below:

    (a) 1 and 2 only

    (b) 2 and 3 only

    (c) 1 and 3 only

    (d) 1, 2 and 3

     

    Practice MCQ:

    The OptiDrop equipment recently seen in news finds application in:

    (a) Cytometry

    (b) Astronomy

    (c) Geology

    (d) Radiometry

  • Global Geological And Climatic Events

    Mother of Dragons Comet: A Rare Celestial Phenomenon

    Why in the news?

    • The “Mother of Dragons” comet, officially named Comet 12P/Pons-Brooks, is making a rare appearance in the Northern Hemisphere skies.
    • This Halley-type comet, completing its orbit every 71 years, has emerged marking its first sighting since 1954.

    What is a Comet?

     

    • A comet is a celestial object composed primarily of ice, dust, and rocky particles that orbit the Sun in elongated, elliptical paths.
    • These icy bodies originate from the outer regions of the solar system, specifically from two regions: the Kuiper Belt and the Oort Cloud.
    • Comets are often referred to as “dirty snowballs” or “icy dirtballs” due to their composition.
    • Halley’s Comet is a short-period comet visible from Earth every 75–79 years.
    • It was last seen in Earth’s skies in 1986 and was met in space by an international fleet of spacecraft. It will return in 2061 on its regular journey around the Sun.

     

    About Mother of Dragons Comet

    • It is named by the European Space Agency (ESA).
    • The comet’s name is inspired by its link to the annual “kappa-Draconids” meteor shower, active from November 29 to December 13 each year.
    • It has a width of 17 km. the comet features an elliptical orbit adorned with a mysterious spiral of luminous light enveloping its icy nucleus.
    • It is comprised of ice, dust, rock, and diatomic carbon molecules.
    • It dissipates a radiant emerald hue when illuminated by the sun, captivating observers with its bright green appearance.

    Display Features of the Comet

    • Renowned for its cryovolcanic eruptions, the comet periodically ejects material from its icy core into space, resulting in breath-taking luminosity.
    • Its most recent eruption in July 2023, after 69 years, earned it the moniker “devil comet” due to its dramatic outburst, resembling horns likely caused by internal features.

    PYQ:

    2014:

    What is a coma, in the content of astronomy?

    (a) Bright half of material on the comet

    (b) Long tail of dust

    (c) Two asteroids orbiting each other

    (d) Two planets orbiting each other

     

    Practice MCQ:

    With reference to the “Mother of Dragons” Comet, consider the following statements:

    1.    It is named by the NASA.

    2.    It is comprised of ice, dust, rock, and diatomic carbon molecules.

    3.    It makes appearances after every 10 years.

    How many of the above statements is/are correct?

    (a) One

    (b) Two

    (c) Three

    (d) None

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