The number of complaints with the Banking Ombudsman registered during 2018 increased by:

In a language laboratory, students were given an interesting puzzle involving the word "ELECTROCARDIOGRAPH." The teacher explained that such exercises not only test logical skills but also sharpen attention to detail. According to the challenge, the word had to undergo a series of transformations. First, the class was asked to take the first half of the letters, reverse their order and make the arrangement of letters look quite different from the original. Next, the students were told to identify the last but one letter of the original word and place it at the very beginning, a step that changed the opening appearance of the sequence completely. Finally, as a finishing touch, they had to add the letter 'S' at the end. Following these steps carefully would lead them to the correct transformed word, and only those who adhered to each condition in the exact order could solve the puzzle successfully. (150 words)

CLAT - 2026
Coding Decoding

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On the night of October 12th, the "Sunburst Medallion" was stolen from the highly secured display case in the city museum. The theft occurred sometime between the museum closing at 10:00 PM and the night guard, Mr. Hemant, completing his final round at 1:00 AM. Three primary suspects were identified, all of whom had recently been dismissed from their museum positions: Anjali, the former curator; Bharat, the former security expert; and Chitra, the former exhibits designer.

Here are the established facts and their alibis:

The security system logs show that the display case was opened using a specific five-digit code, which only Anjali and the museum director (who was out of the country) knew.
Bharat's alibi is that he was at a distant relative's birthday party from 8:00 PM to 1:30 AM. Multiple independent witnesses confirmed his presence throughout the entire period.
Chitra's alibi is that she was working late at a downtown graphic design studio. A time-stamped security camera from the studio's entrance shows her entering at 7:00 PM and exiting at 11:45 PM. The studio is a 20-minute drive from the museum.
Mr. Hemant, the night guard, stated he checked the medallion at 10:30 PM, and it was still there.

Further investigation revealed that a small, distinctive silver button was found near the display case. Anjali is known to frequently wear a coat with similar unique silver buttons. The security expert, Bharat, had previously boasted that he could remotely disable a certain type of magnetic lock—the same type used on the medallion's case—without needing the code, though the log suggests the code was used. (269 words)

CLAT - 2026
Assertion and Reason

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In a small town lived a close-knit family where every relation could be expressed through simple symbols. For instance, when they said \( A \times B \), it meant \( A \) is the father of \( B \), while \( A \div B \) meant \( A \) is the mother of \( B \). The younger ones were often introduced with \( A + B \), meaning \( A \) was the daughter of \( B \), and the bond of brotherhood was shown by \( A - B \) (A is brother of B).

One day, the children in the family turned these symbols into a playful code. Instead of introducing their parents and siblings in words, they spoke only in symbols. “Look,” giggled little Meena, “\( M + N \div O \)!” Everyone laughed, because they knew it meant Meena was the daughter of \( N \), and \( N \) was the mother of \( O \), making her \( O \)’s sister. What started as a code soon became a family game, making the bonds of father, mother, daughter, and brother not just relations, but symbols of love and togetherness. (165 words)

CLAT - 2026
Blood Relations

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Four teams – Red (R), Blue (B), Green (G), and Yellow (Y) – are competing in the final four rounds of the Inter-School Science Olympiad, labeled Round A, Round B, Round C, and Round D. Each round consists of one match between two teams, and every team plays exactly two matches. No team plays the same opponent more than once.

The final schedule must adhere to the following rules:

Rule 1 (Consecutive Play): The Green team (G) must play their two matches in consecutive rounds.
Rule 2 (Fixed Appearance): The Yellow team (Y) must play in Round B.
Rule 3 (Positional Constraint): The Red team (R) must play against the Blue team (B) in a round that is immediately before a round in which neither R nor B is playing.
Rule 4 (Timing): The Blue team's (B) first match must occur in an earlier round than the Green team's (G) first match.
Rule 5 (Opponent Link): The team that plays against the Red team (R) in the round that is not against the Blue team (B), is the same team that plays in Round D.

(193 words)

CLAT - 2026
Seating Arrangement

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Health insurance plays a vital role in ensuring financial protection and access to quality healthcare. In India, however, the extent and nature of health insurance coverage vary significantly between urban and rural areas. While urban populations often have better access to organized insurance schemes, employer-provided coverage, and awareness about health policies, rural populations face challenges such as limited outreach of insurance schemes, inadequate infrastructure, and lower awareness levels. This urban-rural divide in health insurance coverage highlights the broader issue of healthcare inequality, making it essential to analyze the factors contributing to this gap and explore strategies for more inclusive health protection. A state-level health survey was conducted.

The survey covered 1,80,000 adults across urban and rural areas. Urban residents formed 55% of the sample (that is, 99,000 people) while rural residents made up 45% (that is, 81,000 people). In each area, coverage was classified under four heads – Public schemes, Private insurance, Employer-provided coverage, and Uninsured. In urban areas, Public coverage accounted for 28% of the urban population, Private for 22%, Employer for 18%, and the remaining 32% were Uninsured. In rural areas, where formal coverage is generally lower, Public coverage stood at 35%, Private at 10%, Employer at 8%, while 47% were Uninsured.

For this survey, “Insured” includes everyone covered by Public + Private + Employer schemes, and “Uninsured” indicates those with no coverage at all. Officials noted that public schemes remain the backbone of rural coverage, while employer and private plans are relatively more prevalent in urban centres. (250 words)

CLAT - 2026
Ratio and Proportion

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The number of complaints with the Banking Ombudsman registered during 2018 increased by:

The Correct Option is D

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