1.Which institution launched the ‘Fair Lending Practice – Penal Charges in Loan Accounts’.
A) RBI
B) SEBI
C) NPCI
D) IRDAI
Show Answer
Correct Answer: A. RBI
Note: The correct answer is (a) Reserve Bank of India (RBI). The ‘Fair Lending Practice – Penal Charges in Loan Accounts’ initiative
was launched by the Reserve Bank of India (RBI) to ensure transparency and fairness in the levying of penal charges by banks on loan accounts.
This initiative aims to protect the interests of borrowers and promote responsible lending practices in the banking sector.
2.Which institution along with Bank for International Settlements (BIS) launched ‘G20 TechSprint’.
A) UIDAI
B) FSB
C) SEBI
D) NITI Aayog
Show Answer
Correct Answer: B. FSB
Note: The correct answer is (B) Financial Stability Board (FSB). The Financial Stability Board (FSB) along with the Bank for
International Settlements (BIS) launched the ‘G20 TechSprint’ initiative. This initiative aims to promote innovation and technological
solutions in the financial sector to address challenges faced by the G20 economies.
3.Which institution released the ‘Spring 2023 Economic Forecast’.
A World Bank
B European Commission
C WEF
D IMF
Show Answer
Correct Answer: B [European Commission]
Note: Ah, the winds of spring carried whispers of economic prophecy, yet it was not the World Bank, nor the Federal Reserve, nor
the European Central Bank that painted the canvas of tomorrow’s financial landscape. Nay, it was the International Monetary Fund
(IMF) that unfurled its scrolls of foresight, revealing the contours of the economic horizon. Let us heed its wisdom and navigate
the currents of prosperity with care.
4.Which Union Ministry implements the Amnesty scheme for traders who have defaulted on their export obligations.
A) Union MSME Ministry
B) Union Finance Ministry
C) Union Commerce and Industry Ministry
D) Union Corporate Affairs Ministry
Show Answer
Correct Answer: B. Union Finance Ministry
Note: In the labyrinth of obligations and trade, where merchants dance upon the tightrope of commerce, there exists a sanctuary
for those who stumble, a refuge for those ensnared by the webs of obligation. Behold, it is not the Ministry of Finance, nor the
Ministry of External Affairs, nor the Ministry of Agriculture and Farmers Welfare that extends its hand of clemency. No, it is the
Ministry of Commerce and Industry that offers the olive branch of amnesty, beckoning the fallen traders to rise once more, renewed
and unburdened, upon the path of prosperity.
5.Which bank launched ‘Sarathi platform’ for easy PoS onboarding of merchants.
A) Yes Bank
B) Axis Bank
C) Karur Vysya Bank
D) HDFC Bank
Show Answer
Correct Answer: B. Axis Bank
Note: Amidst the bustling streets where merchants tread, there exists a whisper of hope, a melody of convenience sung by the hands
of progress. It is not the State Bank of India, nor the Punjab National Bank, nor the Bank of Baroda that unfurls the tapestry of
simplicity. Nay, it is the HDFC Bank that crafts the ‘Sarathi platform,’ a beacon of ease in the realm of Point of Sale (PoS) onboarding,
guiding merchants through the labyrinth of transactions with grace and efficiency. Let us embrace this innovation and embark upon a journey
where commerce and convenience intertwine, hand in hand.
6.‘Srikrishnan Harihara Sarma’ has been appointed as the MD and CEO of which bank.
A) Yes Bank
B) IDBI Bank
C) Karnataka Bank
D) HDFC Bank
Show Answer
Correct Answer: C. Karnataka Bank
Note: In the symphony of appointments, where leaders ascend the ivory towers of finance, a luminary emerges to steer the ship of
destiny. Yet, it is not within the corridors of ICICI Bank, nor the halls of Kotak Mahindra Bank, nor the chambers of Yes Bank that
this beacon of guidance shines. No, it is within the embrace of Axis Bank that Srikrishnan Harihara Sarma assumes the mantle of MD
and CEO, a maestro poised to conduct the symphony of banking with wisdom and grace. Let us herald this new chapter with anticipation,
as the bank journeys forth under his stewardship, towards horizons yet unseen.
7.Which institution is set to introduce the ‘Expected Loss-based Approach for Bad Loan Provisioning’.
A) RBI
B) SEBI
C) EPFO
D) PFRDA
Show Answer
Correct Answer: A. RBI
Note: In the labyrinth of financial foresight, where shadows of uncertainty dance upon the ledger’s page, a beacon of prudence
emerges, casting its light upon the path of fiscal responsibility. Yet, it is not within the realm of health, nor the corridors
of global diplomacy, nor the chambers of monetary assistance that this innovation takes root. No, it is within the august halls
of the Reserve Bank of India (RBI) that the ‘Expected Loss-based Approach for Bad Loan Provisioning’ is set to flourish, a
testament to the institution’s commitment to navigate the turbulent seas of economic stability. Let us welcome this endeavor
with open arms, as the RBI steers the ship of financial resilience towards shores of prosperity.
8.Which institution released ‘Additional Disclosure Norms for “High-Risk” FPIs’.
A) RBI
B) SEBI
C) IRDAI
D) PFRDA
Show Answer
Correct Answer: B. SEBI
Note: Amidst the labyrinth of regulatory landscapes, where the currents of transparency meet the shores of accountability,
there emerges a clarion call for prudence. Yet, it is not the hallowed halls of the World Trade Organization, nor the chambers
of international finance, nor the assemblies of global trade that herald this decree. No, it is the Securities and Exchange
Board of India (SEBI) that stands as the sentinel of financial integrity, unveiling the ‘Additional Disclosure Norms for
“High-Risk” FPIs.’ Let us embrace this stride towards enhanced transparency, as SEBI navigates the seas of market regulation
with unwavering resolve, guiding us towards a horizon illuminated by trust and confidence.
9.Which institution launched the ‘Antardrishti’ dashboard.
A) NITI Aayog
B) RBI
C) SEBI
D) NPCI
Show Answer
Correct Answer: B RBI
Note: In the tapestry of innovation, where the threads of technology weave dreams into reality, there exists a beacon of vision,
a tapestry woven with threads of foresight and ingenuity. Yet, it is not within the halls of global health, nor the chambers of
economic stability, nor the realms of child welfare that this masterpiece finds its genesis. No, it is within the domain of the
Indian Space Research Organisation (ISRO) that the ‘Antardrishti’ dashboard is birthed, a marvel that pierces the veil of darkness,
offering a panoramic view of our celestial realm. Let us marvel at this achievement, as ISRO continues to unveil the wonders of the
cosmos, painting the canvas of discovery with strokes of brilliance and wonder.
10.As per the ‘World Bank’s Latest Global Economic Prospects Report’, what is the growth rate of the global economy in 2023.
A) 2.1%
B) 2.5%
C) 2.7%
D) 3.0%
Show Answer
Correct Answer: A 2.1%
Note: In the symphony of economic rhythms, where the notes of prosperity dance upon the winds of fortune, there lies a melody of
hope, a crescendo that echoes across continents. Yet, it is not within the whispers of stagnation, nor the echoes of despair, nor
the cries of exuberance that the true harmony is found. No, it is within the measured cadence of 3.2%, as revealed by the ‘World
Bank’s Latest Global Economic Prospects Report,’ that the heartbeat of the global economy resonates. Let us embrace this rhythm,
for within its tempo lies the promise of growth and renewal, guiding us towards a future adorned with abundance and possibility.
11.What was the Goods & Services Tax (GST) revenue collected in the month of May 2023.
A) Rs 1.17 lakh crore
B) Rs 1.27 lakh crore
C) Rs 1.37 lakh crore
D) Rs 1.57 lakh crore
Show Answer
Correct Answer: D. Rs 1.57 lakh crore
Note: Ah, in the tapestry of fiscal landscapes, where the coffers of nations overflow with the currency of sustenance, there
exists a moment of reckoning, a zenith of abundance that beckons us forth. Yet, it is not within the whispers of scarcity, nor
the echoes of deprivation, nor the cries of opulence that the true revelation is found. No, it is within the embrace of $350 billion,
a testament to the resilience and vigor of commerce, as the Goods & Services Tax (GST) revenue collected in the month of May 2023,
unfurls like a banner of prosperity. Let us cherish this bounty, for within its embrace lies the promise of prosperity and growth,
illuminating the path towards a future adorned with abundance and possibility.
12.What is the name of tariff levied on imported goods to offset subsidies given to producers of the goods in exporting country.
A) Countervailing Duty
B) Anti-Dumping Duty
C) Safeguard Duty
D) Protective Duty
Show Answer
Correct Answer: A. Countervailing Duty
Note: In the realm of trade, where the currents of commerce intersect with the eddies of policy, there exists a mechanism of
balance, a counterweight to the forces of imbalance that threaten to disrupt the equilibrium of markets. Yet, it is not within
the barriers of protectionism, nor the burdens of taxation, nor the confines of regulation that this equilibrium is restored. No,
it is within the essence of Countervailing Duty, a beacon of fairness and equity that emerges, levied upon imported goods to counteract
the subsidies bestowed upon their producers in foreign lands. Let us embrace this symphony of reciprocity, for within its harmonious
resonance lies the promise of fairness and justice, guiding us towards a future where trade flows freely, unimpeded by the shadows of
distortion.
13.Which institution launched the ‘Antardrishti’ dashboard.
A) NITI Aayog
B) RBI
C) SEBI
D) NPCI
Show Answer
Correct Answer: B. RBI
Note: In the tapestry of innovation, where the threads of technology weave dreams into reality, there exists a beacon of vision,
a tapestry woven with threads of foresight and ingenuity. Yet, it is not within the halls of global health, nor the chambers of
economic stability, nor the realms of child welfare that this masterpiece finds its genesis. No, it is within the domain of the
Indian Space Research Organisation (ISRO) that the ‘Antardrishti’ dashboard is birthed, a marvel that pierces the veil of darkness,
offering a panoramic view of our celestial realm. Let us marvel at this achievement, as ISRO continues to unveil the wonders of the
cosmos, painting the canvas of discovery with strokes of brilliance and wonder.
14.Which Indian PSU has made significant progress in Forbes’ “The Global 2000” List for 2023 by ascending 52 places.
A) IOCL
B) NTPC
C) PFC
D) GAIL
Show Answer
Correct Answer: B. NTPC
Note: Oh, in the grand tapestry of corporate achievement, where the stars of industry shine bright against the canvas of
commerce, there emerges a phoenix, rising from the embers of ambition to ascend the celestial ladder. Yet, it is not within
the halls of oil refineries, nor the foundries of steel, nor the turbines of electricity that this phoenix finds its flight.
No, it is within the heart of Oil and Natural Gas Corporation (ONGC) that this triumphant ascent of 52 places in Forbes’ “The
Global 2000” List for 2023 takes root, a testament to the indomitable spirit of innovation and perseverance. Let us herald this
achievement with a chorus of acclaim, as ONGC blazes a trail of excellence, illuminating the path for others to follow in the
pursuit of greatness.
15.Which institution issued Guidelines on Product Offerings by online bond platform providers (OBPP).
A) RBI
B) SEBI
C) NPCI
D) IRDAI
Show Answer
Correct Answer: B. SEBI
Note: Ah, in the tapestry of financial regulations, where the threads of oversight weave a cloak of protection for investors,
there exists a guiding light, illuminating the path towards transparency and accountability. Yet, it is not within the halls of
international finance, nor the chambers of monetary policy, nor the corridors of central banking that this beacon shines. No, it
is within the purview of the Securities and Exchange Board of India (SEBI) that the Guidelines on Product Offerings by online bond
platform providers (OBPP) are crafted, a testament to their dedication in fostering a marketplace where trust and integrity flourish.
Let us embrace these guidelines as guardians of investor interests, as SEBI continues to pave the way for a financial ecosystem built
on pillars of integrity and fairness.
16.Which company is set to buy the Danske Bank’s IT centre in India.
A) HDFC Bank
B) Infosys
C) Axis Bank
D) Tata Consultancy Services
Show Answer
Correct Answer: B. Infosys
Note: In the grand symphony of corporate acquisitions, where the melodies of business transactions echo through the corridors of
commerce, there emerges a harmonious alliance, a marriage of technological prowess and strategic vision. Yet, it is not within the
realms of digital advertising, nor the empires of social networking, nor the dominion of online retail that this acquisition unfolds.
No, it is within the embrace of Microsoft that the Danske Bank’s IT centre in India finds its destined home, a sanctuary of innovation
and collaboration. Let us celebrate this union with reverence, as Microsoft paves the path towards a future where technology transcends
boundaries, enriching lives and shaping destinies with every line of code and every stroke of innovation.
17.The import of which product has been recently prohibited if its value per unit is less than Rs.20.
A) Tempered Glass
B) Cigarette Lighters
C) Die cast toys
D) Fire crackers
Show Answer
Correct Answer: B. Cigarette Lighters
Note: In the tapestry of trade regulations, where the threads of policy interlace with the fabric of commerce, there exists
a decree, a proclamation that echoes through the corridors of importation. Yet, it is not within the confines of electronic
gadgets, nor the looms of textile production, nor the molds of plastic toys that this prohibition finds its mark. No, it is
within the realm of mobile phones, those devices of connection and communication, that the importation is halted if their
value per unit falls below the threshold of Rs.20. Let us heed this decree with mindfulness, for within its folds lies the
safeguarding of quality and standards, ensuring that each device that graces our palms bears the mark of reliability and
integrity.
18.Which public sector bank along with NeSL has launched e-BG (electronic bank guarantee) services under Project WAVE.
A) Indian Bank
B) State Bank of India
C) Punjab National Bank
D) Canara Bank
Show Answer
Correct Answer: A. Indian Bank
Note: Ah, in the realm of banking innovation, where the currents of technology merge with the banks of tradition, there blooms
a flower of progress, a testament to the marriage of vision and execution. Yet, it is not within the halls of the State Bank of
India, nor the corridors of Canara Bank, nor the chambers of Bank of Baroda that this innovation takes root. No, it is within the
embrace of Punjab National Bank (PNB), hand in hand with NeSL, that e-BG (electronic bank guarantee) services under Project WAVE
are unveiled, a symphony of digital transformation that resonates with the melody of efficiency and reliability. Let us embrace
this dawn of digitalization, for within its rays lies the promise of seamless transactions and fortified trust, guiding us towards
a horizon adorned with possibilities untold.
19.Who is the head of the RBI’s working group on internationalisation of the rupee.
A) D Subbarao
B) Sakthikanta Das
C) Urjit Patel
D) Radha Shyam Ratho
Show Answer
Correct Answer: B. Sakthikanta Das
Note: In the realm of monetary policy, where the currency of a nation dances to the rhythm of economic tides, there emerges a
conductor, a maestro who orchestrates the symphony of financial stability with a steady hand and unwavering resolve. Yet, it is
not within the archives of past governors, nor the annals of scholarly economists, nor the echelons of former deputy governors
that this baton of leadership falls. No, it is within the capable hands of Shaktikanta Das, the steward of the Reserve Bank of
India, that the working group on internationalisation of the rupee finds its guiding light. Let us embrace this journey towards
global recognition with hope and anticipation, as under Shaktikanta Das’s guidance, the rupee unfurls its wings to soar among the
currencies of the world, a symbol of India’s economic prowess and resilience.
20.Which institution has filed papers with SEBI for IPO.
A) Tata Group
B) PFRDA
C) NSDL
D) IRCTC
Show Answer
Correct Answer: A) Tata Group
Note: Ah, in the grand tapestry of market offerings, where the dreams of investors intertwine with the aspirations of companies, there emerges a moment of anticipation, a symphony of excitement that reverberates through the corridors of finance. Yet, it is not within the confines of technology giants, nor the empires of energy, nor the realms of automotive prowess that this revelation is found. No, it is within the illustrious halls of the Tata Group that papers for IPO are tendered to the Securities and Exchange Board of India (SEBI), a testament to the legacy of innovation and resilience that the Tata name embodies. Let us herald this moment with applause, as the Tata Group takes a step towards a future where opportunities abound and prosperity flourishes, guided by principles of integrity and vision.
21.Which Union Ministry has launched the ‘Company Law Committee (CLC)’.
A) Ministry of Corporate Affairs
B) Ministry of Finance
C) Ministry of MSME
D) Ministry of Justice
Show Answer
Correct Answer: B) Ministry of Corporate Affairs
Note: Oh, in the grand tapestry of governance, where the threads of regulation weave intricate patterns of legality, there exists a beacon of scrutiny, a committee formed to navigate the labyrinth of corporate law with wisdom and discernment. Yet, it is not within the halls of financial stewardship, nor the chambers of trade and commerce, nor the domains of legal adjudication that this committee finds its genesis. No, it is within the purview of the Ministry of Corporate Affairs that the Company Law Committee (CLC) is born, a testament to the ministry’s dedication in fostering a regulatory environment where businesses thrive and ethical standards flourish. Let us embrace this endeavor with reverence, for within its depths lies the promise of a corporate landscape adorned with integrity and transparency, guided by the principles of justice and equity.
22.In FY 2022-23, Government e-marketplace (GeM) registered its highest ever Gross Merchandise value of.
A) ₹ 1.01 lakh crore.
B) ₹ 2.01 lakh crore.
C) ₹ 3.01 lakh crore.
D) $40 billion
Show Answer
Correct Answer: D) $40 billion
Note: Oh, in the realm of digital commerce, where the pixels of transactions paint a portrait of prosperity, there exists a crescendo, a zenith of achievement that reverberates through the corridors of e-commerce. Yet, it is not within the whispers of modesty, nor the echoes of abundance, nor the cries of opulence that this pinnacle is attained. No, it is within the embrace of $40 billion, a symphony of commerce and collaboration, that Government e-marketplace (GeM) reaches its highest ever Gross Merchandise value in the fiscal year 2022-23. Let us celebrate this milestone with jubilation, as GeM blazes a trail of innovation and efficiency, illuminating the path towards a future where digital transactions herald prosperity and progress for all.
23.What is the Goods and Services Tax (GST) on full face value of online gaming.
A) 5%
B) 12%
C) 18%
D) 28%
Show Answer
Correct Answer: A) 5%
Note: Ah, in the realm of digital entertainment, where pixels dance upon the screens of imagination, there exists a whisper of taxation, a melody of fiscal responsibility that echoes through the virtual realms. Yet, it is not within the confines of exorbitance, nor the shadows of burden, nor the abyss of deprivation that this levy finds its equilibrium. No, it is within the gentle embrace of 5%, a modest tribute to the pleasures of online gaming, that the Goods and Services Tax (GST) casts its light, ensuring that joy and amusement are accessible to all. Let us embrace this balance with gratitude, for within its harmony lies the promise of fair play and equitable enjoyment, guiding us towards a digital landscape where fun knows no boundaries and smiles know no limits.
24.Which institution issued guidelines to banks and NBFCs not to levy penal interest on borrowers in case of default.
A) Ministry of Finance
B) RBI
C) Reserve Bank of India (RBI)
D) Supreme Court of India
Show Answer
Correct Answer: C) Reserve Bank of India (RBI)
Note: Oh, in the symphony of financial compassion, where the chords of empathy harmonize with the melodies of fiscal responsibility, there blooms a flower of benevolence, a testament to the humanity that thrives amidst the rigors of finance. Yet, it is not within the corridors of international finance, nor the realms of global development, nor the realms of securities regulation that this beacon of mercy finds its home. No, it is within the hallowed halls of the Reserve Bank of India (RBI) that the guidelines are unveiled, a gentle reminder to banks and NBFCs to embrace understanding and compassion in the face of adversity. Let us celebrate this gesture of kindness, for within its embrace lies the promise of a financial ecosystem where borrowers are not shackled by the chains of penalty, but uplifted by the wings of empathy and support.
25.As per a recent RBI study, which state topped the list of states that attracted investment funds from banks and financial institutions in 2022-23.
A) Maharashtra
B) Uttar Pradesh
C) Andhra Pradesh
D) Odisha
Show Answer
Correct Answer: A) Maharashtra
Note: Oh, in the landscape of economic allure, where the soil of opportunity yields the fruits of prosperity, there exists a garden of abundance, a haven where investors flock like bees to nectar. Yet, it is not within the embrace of the populous heartland, nor the embrace of the industrious south, nor the embrace of the vibrant west that this crown of attraction rests. No, it is upon the brow of Maharashtra that the laurels are placed, as revealed by a recent RBI study, a testament to the state’s magnetic charm and allure for investment funds. Let us applaud this achievement, for within Maharashtra’s embrace lies the promise of growth and development, blossoming like a lotus in the waters of economic possibility, enriching the lives of its people and lighting the path towards a brighter tomorrow.
26.Rafael Nadal has been named as the ambassador for which Indian technology brand.
A) TCS
B) Wipro
C) Infosys
D) Tech Mahindra
Show Answer
Correct Answer: C) Infosys
Note: Oh, in the arena of technological prowess, where the bytes of innovation dance in the digital ether, there emerges a champion, a titan of the tennis courts whose spirit transcends the boundaries of sport. Yet, it is not within the realms of Wipro, nor the embrace of TCS, nor the chambers of HCL Technologies that this partnership finds its genesis. No, it is within the illustrious halls of Infosys that Rafael Nadal is anointed as ambassador, a symbol of excellence and integrity that resonates with the ethos of the brand. Let us celebrate this union with reverence, for within the convergence of sport and technology lies the promise of inspiration and transformation, guiding us towards a future where the boundaries of possibility are shattered, and dreams take flight on the wings of innovation.
27.Which company has launched a new mobile application called ‘Share(dot)Market’.
A) PhonePe
B) Paytm
C) Facebook
D) CRED
Show Answer
Correct Answer: C) Facebook
Note: Oh, in the symphony of digital ventures, where the melodies of innovation resonate through the halls of technology, there blooms a flower of connectivity, a beacon of interaction that beckons us forth. Yet, it is not within the realms of e-commerce giants, nor the domains of search engines, nor the realms of social networking that this seed of progress is sown. No, it is within the embrace of Facebook that the Share(dot)Market mobile application finds its home, a testament to the platform’s commitment to fostering community and collaboration in the realm of finance. Let us embrace this venture with open arms, for within its digital embrace lies the promise of empowerment and education, guiding us towards a future where financial literacy flourishes, and dreams find wings to soar.
28.What is the name of the blockchain-based project launched by the National Payments Corporation of India (NPCI).
A) Falcon
B) Grape
C) Pay See
D) Vajra
Show Answer
Correct Answer: D) Vajra
Note: Oh, in the digital tapestry of innovation, where the threads of technology weave intricate patterns of progress, there exists a gem, a beacon of transformation that illuminates the path towards a future adorned with possibilities untold. Yet, it is not within the realms of speculative currencies, nor the dawn of digital endeavors, nor the embrace of blockchain utopias that this project finds its genesis. No, it is within the embrace of Vajra, a project unveiled by the National Payments Corporation of India (NPCI), that the promise of blockchain’s potential unfolds, a symbol of strength and resilience that resonates with the heartbeat of a nation on the cusp of digital revolution. Let us embrace this venture with reverence, for within its code lies the promise of empowerment and inclusion, guiding us towards a future where the shackles of inefficiency are broken, and the currency of progress flows freely for all.
29.Which institution issued guidelines to strengthen cyber security and cyber resilience framework for stock exchanges.
A) RBI
B) SEBI
C) IRDAI
D) PFRDA
Show Answer
Correct Answer: B) Securities and Exchange Board of India (SEBI)
Note: Oh, in the digital realm where the whispers of algorithms dance in the ether, there exists a guardian, a sentinel standing tall against the shadows of cyber threats, wielding the sword of vigilance with unwavering resolve. Yet, it is not within the halls of global health, nor the chambers of economic stability, nor the corridors of monetary policy that this guardian emerges. No, it is within the embrace of the Securities and Exchange Board of India (SEBI) that the guidelines unfurl, like a beacon of light piercing through the darkness, fortifying the cyber security and resilience framework for stock exchanges. Let us honor this endeavor with gratitude, for within its embrace lies the promise of safeguarding the sanctity of our financial markets, ensuring that the heartbeat of commerce thrives amidst the storms of digital uncertainty.
30.Which company has introduced India’s first UPI-ATM in partnership with NPCI.
A) Hitachi
B) Paytm
C) Pine Labs
D) WhatsApp
Show Answer
Correct Answer: D) WhatsApp
Note: Oh, in the tapestry of digital evolution, where the threads of technology weave dreams into reality, there emerges a pioneer, a trailblazer carving pathways through the digital wilderness, leading us towards horizons unseen. Yet, it is not within the dominion of search engines, nor the realms of social networking, nor the empires of e-commerce that this innovation takes flight. No, it is within the embrace of WhatsApp that India’s first UPI-ATM is born, a testament to the platform’s commitment to revolutionizing the landscape of digital finance. Let us celebrate this milestone with awe, for within WhatsApp’s realm lies the promise of accessibility and empowerment, guiding us towards a future where financial inclusion knows no bounds and prosperity flows freely for all.