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TLP Mains 2020

IASbaba's TLP 2020: UPSC Mains Answer Writing (General Studies) - High Ordered Thinking (HOT) Questions [Day 13]

To Know More about the Initiative -> Click Here Hello Friends, Welcome to IASbaba's TLP 2020, UPSC Mains Answer Writing (General Studies) - High Ordered Thinking (HOT) Questions [Day 13]. Questions are Current Affairs focused touching upon the 4 GS Papers (GS1, GS2, GS3, GS4). HOT Questions are designed to probe your analytical faculties. Note: Click on Each Question (Link), it will open in a new tab and then Answer respective questions! 1. Loyalty to country always, loyalty to government, when it deserves it. Comment. 2. Educating the mind without educating the heart is no education at all. Elucidate. 3. Does ethics change with technology? Critically examine. P.S: The review from IASbaba will happen from the time the question is posted till 10 pm everyday. We would also encourage peer reviews. So friends get actively involved and start reviewing each others answers. This will keep the entire community motivated. All the Best :)

Motivational Articles

Creative Guidance – Knowledge and Information – Inspirational Educative Articles

Knowledge and Information: Separate your information from knowledge. Information is just a tool; it is not something you gather and keep for yourself. Clinging to information is like clinging to the boat even after you have crossed the river. Just imagine how it would look if you were to carry your boat wherever you went, just because it helped you to cross the river. That is how you are dealing with all the information you have accumulated. You have given so much importance to information that you have built your self-image on it. Your self-image, instead of being firmly rooted in reality, is resting on heaps and heaps of information. This is the real problem: Because you are convinced that your identity is based on your knowledge, and you have mistaken information for knowledge, you are simply unable to let go of your self-image that is built on this accumulated information. A lot of times, happiness is simply a consequence of dropping your self-image and blending with the processes of life happening around you. When you are unable to let go of your self-image, you are unable to relax and be happy. This might sound too simplistic, but that is all there is to personal happiness. It is very easy for you to be happy, but to make your self-image happy is next to impossible. Why? Because your self-image is not real; it is a flimsy unrealistic idea of yourself built on all the information you have gathered. “This article is a part of the creative endeavor of Meditation Farm and IASBABA.”

Catharsis -Unlock Your Talent & Creativity: POEM by PALLAVI VISHWAKARMA & PAINTING by ANCHAL TRIPATHI !

ARCHIVES Hello Friends, You must be aware of the term ‘catharsis’. It is the process of releasing and thereby providing relief from, strong or repressed emotions. Recently we have launched a new initiative by the name Catharsis -Unlock Your Talent & Creativity! Today's work is POEM by PALLAVI VISHWAKARMA & PAINTING by ANCHAL TRIPATHI ! Well done, Keep it up !! POEM by PALLAVI VISHWAKARMA   PAINTING by ANCHAL TRIPATHI ! Be creative and find your catharsis in whichever form of creativity you are comfortable with.  It could be anything- a song, a painting, a poem, a story, a dance performance, rangolis, jokes/humor, culinary skills, mimicry and whatnot. There is no limit to creativity. Just unleash and share it with everyone! Why don’t you share your moments of catharsis with us? UPSC is not only about academics but personality as well. And your personality is shaped by the creativity that you possess.   We encourage you to keep the comment section alive by sharing your talents and also by commenting and encouraging the talent of your peers. We are also going to be a regular visitor here and will keep on posting the creative works by our talented team members and staff. NOTE- You can also nominate by tagging anyone (if you know about the talent of your friend or anyone) ? You can share your talent/creativity with us on support@iasbaba.com P.S: Kindly share it in a format that can be published on the website. We believe each one of you have some hidden talent. It’s time that you explore more about yourselves and remain positive throughout this journey. Make the best use of this opportunity! Thank You IASbaba

DAILY CURRENT AFFAIRS IAS | UPSC Prelims and Mains Exam – 6th JUNE 2020

IAS UPSC Prelims and Mains Exam – 6th June 2020 Archives (PRELIMS + MAINS FOCUS) WHO Foundation created to tap new funding sources Part of: GS-Prelims and GS-II – Global Groupings In News: The WHO Foundation was created recently as an independent grant-making entity.  It will support the WHO's efforts to address the most pressing global health challenges.  Key takeaways  The foundation will enable WHO to tap new non-traditional sources of funding, including the general public. It will support the global health ecosystem by funding high-impact initiatives and advancing strategies of innovation, effectiveness, and rapid response. Its Headquarter will be in Geneva.  It will be legally independent from the WHO.  It will provide funds to WHO and trusted implementing partners to deliver on the Organization’s triple billion goals. These goals aim to achieve the following by 2023: Protect 1 billion people from health emergencies. Extend universal health coverage to 1 billion people. Assure healthy lives and wellbeing to 1 billion people. ‘One Sun One World One Grid’ (OSOWOG) initiative proposed by India  Part of: GS-Prelims and GS-II – Global Groupings & GS-III - Energy In News: OSOWOG initiative was recently proposed by India to set up a framework for facilitating global cooperation which aims at building a global ecosystem of interconnected renewable energy resources that can be easily shared.  Key takeaways  Parent Body: The Union Ministry of New and Renewable Energy (MNRE)  Objective: To build global consensus about sharing solar resources among more than 140 countries of West Asia and South-East Asia. This grid shall be interconnected with the African power pools also at the later stage.  Proposals are invited from consulting firms for making a long-term OSOWOG road map, and identify two or three cross-border projects that can be initiated within one or two years.  Important value additions  India's other renewable energy-related initiatives  International Solar Alliance (ISA)  It is a treaty-based inter-governmental Organisation.  It aims to deploy over 1,000 GW of solar generation capacity globally. It aims to mobilise investment of over $1 trillion by 2030.  Headquartered: Gurgaon.  It was established following the Paris Declaration as an alliance dedicated to the promotion of solar energy among its member countries. Presently, electricity is supplied to Bhutan, Nepal, Myanmar and Bangladesh. There are now plans to connect Sri Lanka with power transmission lines as well.  India, along with the other countries of the South Asian Association for Regional Cooperation had signed an agreement to enable cross-border electricity trade among the member states on a voluntary basis in 2014.  Later in August 2018, India also signed a MoU for establishing grid interconnection between the members of the BIMSTEC.  Comprehensive Strategic Partnership established between India and Australia  Part of: GS-Prelims and GS-II – International Relations In News: India and Australia raised their relationship to a Comprehensive Strategic Partnership (CSP) after a ‘virtual’ summit held recently between Prime Ministers of the two countries.  Key takeaways  9 agreements were concluded though the summit.  Mutual Logistics Support Agreement (MLSA) was also concluded.  A joint declaration was also issued on a Shared Vision for Maritime Cooperation in the Indo-Pacific.  MLSA will allow both militaries the reciprocal use of bases, humanitarian and disaster relief cooperation, port exercises, and passage exercises.  Other agreements included: A framework arrangement on cyber technology An MoU on mining and processing critical and strategic minerals including Australian rare earth metals used for electronics Governance Vocational training  Water management. It was also decided to recommence the talks on India-Australia Comprehensive Economic Cooperation Agreement (CECA) which has been suspended since 2015.  Important value additions  India has signed CSPs with the United Kingdom, Indonesia, Vietnam, and the United Arab Emirates.  Australia has CSPs with China, Indonesia and Singapore.  CSP would raise the level of trust required to improve the trade and investment flows between India and Australia.   Miscellaneous  Missile Park "AGNEEPRASTHA" Foundation Stone for a Missile Park "AGNEEPRASTHA" was laid at INS Kalinga, Visakhapatnam.  It will be dedicated to all the Officers, Sailors and Support Staff of INS Kalinga.  It aims to capture glimpses of Missile History of INS Kalinga since 1981 till date.  The main attraction is P-70 'Ametist', an underwater launched anti-ship missile from the arsenal of the old 'Chakra' (Charlie-1 submarine) which was in service during 1988-91.  Rozgar Setu scheme It is a scheme launched by Madhya Pradesh government.  It would help secure employment for skilled workers who have returned to their homes due to COVID-19 pandemic. Skilled workers shall be surveyed who were employed at industries.  After the survey, the government will contact factory and workshop owners and contractors overseeing infrastructure projects such as road and bridge construction so that these workers could be employed.  World Environment Day  It is celebrated on 5th June every year. This year’s theme is ‘Biodiversity’. In India, Ministry of Environment, Forest & Climate Change held virtual celebrations on this year’s theme with focus on Nagar Van (Urban Forests).  It relaunched a scheme for creating urban forest in 200 corporations and cities because all these cities have gardens but not forests.  The urban forests will help in reducing pollution in these cities.  (MAINS FOCUS) INTERNATIONAL/ SECURITY Topic: General Studies 2: Effect of policies and politics of developed and developing countries on India’s interests  A chill in U.S.-China relations Context: Vijay Gokhale, a former Foreign Secretary of India and a former Ambassador to China, has given his views on the US-China relations American administration since the 1960s have been complicit in China’s rise  US have been complicit in China’s rise in the unrealised hope that China will become a ‘responsible stakeholder’ under US Hegemony President Richard Nixon gave China the international acceptability it craved in return for being admitted to Mao’s presence in 1972;  President Jimmy Carter terminated diplomatic relations with Taiwan in order to normalise relations with China in 1978;  President George H.W. Bush washed away the sins of Tiananmen in 1989 for geopolitical gain President Bill Clinton ushered the Chinese into the World Trade Organization at the expense of American business What has been Chinese action in return for US support in these decades? Rhetoric over action: In return China have spoken anti-Soviet rhetoric during the Cold War and promoted the market principles Suspicious view of USA: Every Chinese leader from Chairman Mao to President Xi Jinping has been clear that the U.S. represents an existential threat to the continued supremacy of the communist regime.  Started creating Parallel Universe: The collapse of the Soviet Union only reinforced China’s suspicious view of US and strengthened China’s resolve to resist by creating its own parallel universe. Alternate trading system - the Belt and Road Initiative;  A multilateral banking system under its control - Asian Infrastructure Investment Bank, New Development Bank;  China’s own global positioning system –BeiDou China’s own digital payment platforms - WeChat Pay and Alipay A world-class digital network -Huawei 5G Development of a modern military force. Professed Peaceful Rise: General Secretary of the Communist Party of China Hu Jintao’s assured about “peaceful rise” so as to allay the fears of other and also to utilise the financial and technological resources of the West. Regional Hegemon: China started building military installations in the South China Sea as its economic power increased Recent announcements on China by U.S. President Donald Trump Break from past: President Trump is the first one to finally acknowledge the uneasy facts about the Chinese Strategic Shift It was Mr. Trump’s 2017 National Security Strategy document that, perhaps for the first time, clubbed China along with Russia as a challenge to American power, influence and interests Clashes on various front: Trump has called China out on trade practices and on 5G Decoupling of relationship: U.S. is heavily dependent on supply chains in China, while the Chinese have been unable to break free of the dollar. Both Trump & Xi-Jinping wants to decouple their closely inter-linked economies. Hongkong: Trump administration has stated it would revoke Hong Kong’s special trade status under U.S. law. Chinese Immigration: US administration has passed an order limiting the entry of certain Chinese graduate students and researchers who may have ties to the People’s Liberation Army. Tighter Regulation: U.S. President has also ordered financial regulators to closely examine Chinese firms listed in U.S. stock markets, and warned those that do not comply with U.S. laws could be delisted What does all these announcements indicate? It is a clear indication that the competition between the U.S. and China is likely to sharpen in the post-COVID world. The points of divergence, even dispute, between US-China have so far been in the material realm. With Hong Kong, the U.S.-China rivalry may be entering the ideological domain. Conclusion A binary choice between the U.S. and China is likely to test India’s capacity to maintain strategic and decisional autonomy Connecting the dots: Cold War and Nuclear arms race Impact of rising US-China tensions on rules-based international order (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note:  Correct answers of today’s questions will be provided in next day’s DNA section. Kindly refer to it and update your answers.  Comments Up-voted by IASbaba are also the “correct answers”. Q.1 Which of the following are triple billion goals of World Health Organisation?  To protect 1 billion people from health emergencies.  To extend Universal health coverage to 1 billion people. To bring 1 billion people out of poverty. Select the correct code:  1 and 2 only  2 and 3 only  1 and 3 only  1, 2 and 3  Q.2 ‘One Sun, One World, One Grid’ initiative was recently proposed by which of the following country?  Japan  India  Australia  South Africa  Q.3 Consider the following statements regarding International Solar Alliance:  It is a treaty-based organisation.  It aims to deploy 5,000 GW of solar generation capacity globally. It aims to mobilize investment of over $1 trillion by 2050. Which of the above is/are correct?  1 and 3 only 2 only 1 only 2 and 3 only Q.4 Comprehensive Strategic Partnership was recently established by which of the following two countries?  India and Australia  Sri Lanka and Bangladesh  India and Vietnam  South Africa and India  Q.5 Rojgar Setu scheme was recently launched by which of the following state of India? Rajasthan  Madhya Pradesh  Uttar Pradesh  Haryana  Q.6 Which of the following is the theme of World Environment Day 2020?  Air pollution  Biodiversity  Marine Life  Let's save Arctic and Antarctic circles ANSWERS FOR 5th June 2020 TEST YOUR KNOWLEDGE (TYK) 1 C 2 A 3 D 4 D  5 A 6 C 7 A Must Read About need for reforms in Health Sector: The Hindu About India-Australia Summit: The Indian Express  About promoting Ayush: The Financial Express

TLP Mains 2020

SYNOPSIS [Day 11]: IASbaba's TLP 2020-UPSC Mains Answer Writing (General Studies) - High Ordered Thinking (HOT) Questions 

  SYNOPSIS [Day 11]: TLP 2020- UPSC Mains Answer Writing (General Studies)    1. What is herd immunity? How does it get developed? How does it provide protection from viral infections? Illustrate. (GS Paper 3, S&T) Demand of the question: It expects students to write about the concept of herd immunity and ways in which it get developed. Students should also write about the working of herd immunity against the viral infections. Introduction: Banking on developing herd immunity to fight corona virus is too large a risk for any nation and only timely interventions can mitigate the spread of Covid-19, according to head of India’s premier research and development organisation, CSIR. Body: Concept of Herd Immunity: The concept of herd immunity is generally used for calculating how many people will need to be vaccinated in a population in order to protect those who are not vaccinated. According to John Hopkins University, herd immunity means when a population is immune to an infectious disease, it provides indirect protection to those who are not immune. Also known as herd protection. Development of herd immunity: Herd immunity can be achieved in two ways. A large population either gets infected or gets a protective vaccine. With some diseases, people sometimes expose themselves intentionally as a way of achieving immunity. Based on estimates, at least 70% of the population needs to be immune to have herd protection. For less severe diseases, this approach could be achievable. But for COVID-19, the situation is different as the virus carries a much higher risk of severe disease and even causes death. The percentage of people that must have immunity to safely slow or stop an infectious disease is called the “herd immunity threshold.” Science of herd immunity: When a large percentage of the population becomes immune to a disease, the spread of that disease slows down or stops. Many viral and bacterial infections spread from person to person. This chain is broken when most people don’t get or transmit the infection. This helps protect people who aren’t vaccinated or who have low functioning immune systems and may develop an infection more easily, such as: older adults, babies, young children, pregnant women, people with weakened immune systems and people with certain health conditions. Herd immunity does work for some illnesses. People in Norway successfully developed at least partial herd immunity to the H1N1 virus (swine flu) through vaccinations and natural immunity. However, it doesn’t always guarantee protection against any disease. It was mistakenly assumed that as this disease spreads across the world, only the severe cases become apparent while most people would indeed be infected as reflected in sero epidemiology results. Greater proportion of people getting infected would mean that the pandemic will be over soon and people can go back to normal business. But the preliminary results from in sero epidemiology studies are showing the opposite. The proportion of people with significant clinical illnesses is a higher proportion of all those who have been infected. This is because the number of people infected in the total population is probably much lower than we expected as per World Health Organisation. Other challenges like some people do not seem to develop a humoral immune response, relationship between antibody response and clinical improvement is still not clear, mild infections can resolve even before detectable antibodies are produced, how long neutralising antibodies against the virus would last is currently not known. Conclusion: Only well-designed longitudinal studies involving those who have recovered from COVID-19 for recurrent illness can help provide the much-needed information about reinfection and the duration of protection by the antibodies. Until then herd immunity by natural infection remains dangerous option.  2. What do you understand by blockchain technology? Why is it important to regulate the usage of blockchain technology? Substantiate your arguments. (GS Paper 3, S&T) Demand of the question: It expects students to write about the blockchain technology and reasons behind need to regulate usage of blockchain technology with substantial arguments.  Introduction: Blockchain technology has the potential to revolutionize interactions between governments, businesses and citizens in a manner that was unfathomable just a decade ago. Unlike other technologies, blockchain has the potential to revamp currently existing processes to unlock new sources of efficiency and value. Body: Blockchain Technology: Blockchain is a series of data linked together. Every single transaction is linked to the chain using cryptographic principles in batches, making blocks. The blocks are connected to each other and have unique identifier codes (called hashes) that connect them to the previous and the subsequent blocks. This forms a blockchain, usually in the form of a continuous ledger of transactions. It isn’t owned by any one individual. The series is managed and stored across several computer systems. Each ledger is shared, copied and stored on every computer connected in the system. This decentralised nature of storage provides security, since changing the details of one record will cause the hash of that block to change, disconnecting it from the next one and causing the latter’s hash to change, and further such disruptions.  Since the data is stored on multiple systems, any person looking to change the details on one system will have to do it for every other system as well. Blockchain technology has been the backbone of bitcoin and other crypto currencies. The transparency and the security offered by the technology are some of the main reasons why crypto currency has become so popular. This technology is increasingly being adopted in the retail, manufacturing and banking sectors due to its benefits, like eliminating middlemen, providing data security, reducing corruption and improving the speed of service delivery.  It can be particularly useful in maintaining government data related to public transactions. For instance, if all land records are moved on a blockchain, with each subsequent buying and selling of a property being recorded as a block that can be publicly accessed, corruption can be arrested and governing will be made so much easier. Similarly, hallmarked gold jewellery can be moved on an open-source blockchain ledger, which can be maintained by jewellers and viewed by consumers. However, there is need of regulation and must be adopted in a gradual manner. Scalability, transaction speed and data protection are key technological hurdles, along with the difficulty of integrating the technology into existing financial systems. Many legal and regulatory challenges are also involved. Importance of regulation of blockchain technology: Bitcoin and other crypto currencies have seen wild fluctuations in value, due to the lack of regulatory supervision. The open nature of the technology implies that anyone can adopt it, which is partly why the government is hesitant to go ahead and use it.  Issue of jurisdiction in legal framework: Decentralization can bring benefits, it also poses a legal and regulatory challenge if there is no central party that is responsible and can be held accountable. As the nodes of a decentralized ledger can span multiple locations around the world, it is often difficult to establish which jurisdictions’ laws and regulations apply to a given application. Privacy concerns: The issue of privacy and blockchain technology has been intensely debated. Many practitioners and academic commentators have claimed that blockchain technology is incompatible with privacy laws such as the EU General Data Protection Regulation, or GDPR. Data security: In permission less public blockchain system, no single party takes responsibility for the availability or security of a particular blockchain network, and all users of the system may have access to the data on the network. These attributes conflict with the thrust of privacy laws, which require the party controlling personal data of an individual to safeguard the security and privacy of that data on behalf of the individual or “data subject.” Risk of cyber attack: The benefit of using a ‘tamper proof’ technology is negated if the information stored on the ledger is compromised to begin with. This type of attack is not aimed at the blockchain itself, but at external systems such as crypto currency wallets. There is a risk that individuals might target the data input point (rather than the ledger itself), leading to the dissemination of inaccurate information. Conclusion: Regardless of the model adopted by those seeking to use blockchain technology, it is important that regulators remain flexible in their approach to this emerging technology and avoid viewing it through a lens designed for more traditional, centralized platforms. 3. Though, the Nisarga cyclone affected parts of Maharashtra, tropical cyclones usually don’t occur along the western coast of India. Why? What was then exceptional about Nisarga? (GS paper 1, Geography) Demand of the question: It expects students to write about the reasons behind lesser frequency of tropical cyclones on the western coast of India along with the exceptional case of cyclone Nisarga. Introduction: The Indian subcontinent is the most affected region in the world with regard to tropical cyclones — the country has a coastline of 7,516 km and gets hit by over 10 per cent of all the world’s tropical cyclones. This figure, however, is skewed in favour of the country’s eastern coast, which not only witnesses more cyclones but is also battered by the more intense ones. Body: NCRMP-National cyclone risk mitigation project data show that about 58 percent of the cyclones that are formed in the Bay of Bengal hit and cross the eastern coast while only 25 percent of the cyclones developing in the Arabian Sea are seen approaching the western coast of India as most cyclones formed along the western coast of the country veer towards Oman.  Reasons behind lesser cyclone frequency on west coast: The temperature and humidity of the sea surface are the most important factor for the formation of cyclones.  The country’s western coast is helped by mountains in East Africa that tend to direct a lot of wind towards the Arabian Peninsula, dissipating heat much more efficiently throughout the Arabian Sea. As a result, this part of the ocean remains relatively cool and produces lesser cyclones. This subtropical ridge forms during pre-monsoon season along western coasts, including Mumbai, and prevents cyclones from invading the landmass. Cyclones, on the other hand, tend to follow the ridge, and as a matter of rule bypass western coast of Maharashtra. Normally, Arabian Sea cyclones originate in the east-central or southeast portions. This means the natural tendency of Arabian Sea cyclones is to head towards the Arabian Peninsula.  Exceptional case of Cyclone Nisarga: As per IMD’s Cyclone E-Atlas, a repository that tracks tropical cyclones and weather depressions over the north Indian Ocean since 1891, no weather system has turned into a cyclone and made landfall near Mumbai or along the Maharashtra coast during June. Only two depressions, in 1948 and 1980, have come close but never turned into a tropical cyclone during June, indicate records. It is second tropical cyclone to hit India within span of fortnight after cyclone Amphan hit India on eastern coast.   Cyclone Nisarga is being viewed as further proof for climate change and global warming. Wind patterns are changing in the Arabian Sea. This is why it had five cyclones in 2019, equalling a 1902 record. Scientists have attributed this to a rise in temperature in the Arabian Sea on account of climate change. Conclusion: There is need to protect natural defences of mangroves to fight cyclones. In Mumbai, a 66 square km of mangrove cover cushions the city’s coastline, but it is under continuous threat from the consequences of rapid urbanisation and population surge.   TLP_HOT_Synopsis DAY_11 PDF

RSTV Video

COVID KAVACH ELISA - Indigenous IgG Elisa Antibody Test – COVID-19 India Fights Back – RSTV IAS UPSC

COVID KAVACH ELISA - Indigenous IgG Elisa Antibody Test Archives TOPIC: General Studies 2 Global Pandemic – COVID-19 General Studies 3: New technological development to fight COVID-19 In News: The Centre announced that an IgG ELISA test for detection of antibodies to Covid-19 had been developed, and released a document outlining details of surveillance to be carried out in all districts to check for the prevalence of infection using the same. Indian Council of Medical Research (ICMR)-National Institute of Virology (NIV) at Pune has developed the indigenous IgG ELISA (enzyme-linked immunosorbent assay test “COVID KAVACH ELISA” for antibody detection for COVID-19. This robust test will play a critical role in surveillance of proportion of population exposed to Covid-19. What is IgG ELISA? Pune-based National Institute of Virology has developed an immunological assay — enzyme-linked immunosorbent assay (ELISA) — that can detect antibodies that are developed in response to the coronavirus infection. This is a first test of the kind to be developed in India and it will play a critical role in surveillance of proportion of the population exposed to the virus. ELISA-based tests are blood-based tests, which have high sensitivity and specificity. The sensitivity of a test refers to the percentage of results that will correctly find out the presence of infection in a person and specificity refers to the percentage of results that will correctly find out whether or not a person is infected.  It has a sensitivity of 92% and its specificity is 97%. What is the mechanism involved? The test involves drawing the blood of the person.  The sample is then placed inside the small wells of an ELISA plate. These plates are coated with the antigen or the inactivated form of the virus.  If the blood contains antibodies, it binds to the antigen and a substrate solution is added to the well. The reaction usually produces a colour change, thus detecting antibodies.  ELISA tests can be done manually or in a semi-automatic and automatic way. What is IgG in the Indigenous IgG Elisa Antibody Test? It is an IgG Elisa-based test which means that the test will be done to detect the Immunoglobulin G (IgG) antibody. Antibody is a protein produced by the immune system in response to invading organisms such as bacteria and viruses. Antibodies are able to specifically recognize foreign invaders in the body, coat them by binding to them and then allow the immune cells of the body to clear them from the blood or mucous membranes, or sites like the lung. Immunoglobulin G (IgG) is a type of antibody. Representing approximately 75% of serum antibodies in humans, IgG is the most common type of antibody found in blood circulation. IgG molecules are created and released by plasma B cells. The antibody test isn’t checking for the virus itself. Instead, it looks to see whether your immune system -- your body’s defense against illness -- has responded to the infection. Note:  ELISA-based tests and point-of-care tests are not used for confirming Covid-19 infection and are only used for surveillance purpose. Immunoglobulin G, or IgG antibodies are more likely to show up later after you’ve recovered Must Read: Plasma Therapy for Covid-19 Vaccine Development for COVID-19 Connecting the Dots: What is convalescent plasma therapy? Enumerate on the benefits and risks involved. Can researchers afford to take a gamble with antibody tests for coronavirus? Discuss. Essay: New technology comes with a learning curve; that learning curve has a human prize. 

AIR

MSME sector issues and concern - All India Radio (AIR) IAS UPSC

ARCHIVES MSME sector issues and concern Search 1st May, 2020 Spotlight here: http://www.newsonair.com/Audio-Archive-Search.aspx   General Studies 2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation. General Studies 3: Indian Economy and issues relating to planning, mobilization of resources, growth, development and employment. Inclusive growth and issues arising from it. The Covid-19 pandemic has left its impact on all sectors of the economy but nowhere is the hurt as much as the Medium, Small and Micro Enterprises (MSMEs) of India. MSMEs, which make up for about 45 per cent of the country’s total manufacturing output, 40 per cent of exports, almost 30 per cent of the national GDP are stressed due to depleting internal reserves and low visibility of demand for next six months at least. Source: Indian Express Challenges faced by MSMEs in India Too small to be registered Even GST has its threshold and most micro enterprises do not qualify. Being out of the formal network, they do not have to maintain accounts, pay taxes or adhere to regulatory norms etc. This brings down their costs. But, in a time of crisis, it also constrains a government’s ability to help them.  Lack of financing - Most of the MSME funding comes from informal sources. This is the reason why the Reserve Bank of India’s efforts to push more liquidity towards the MSMEs have had a limited impact. Banks dither from extending loans to MSMEs – because of the high ratio of bad loans; data show higher slippage for relatively bigger enterprises. Delays in payments to MSMEs — be it from their buyers (which includes the government also) or things like GST refunds etc. Has Covid-19 made things worse? MSMEs were already struggling — in terms of declining revenues and capacity utilisation — in the lead-up to the Covid-19 crisis –  Firms do not have too much cash to wait out the crisis. This leads to job losses. And a big hurdle to restarting now is the lack of labour availability. The government can provide tax relief (GST and corporate tax), give swifter refunds, and provide liquidity to rural India (say, through PM-Kisan) to boost demand for MSME products.  Credit guarantees Loans to MSMEs are mostly given against property (as collateral) — because often there isn’t a robust cash flow analysis available — but in times of crisis, property values fall and that inhibits the extension of new loans. A credit guarantee by the government helps as it assures the bank that its loan will be repaid by the government in case the MSME falters.  In other words, instead of directly infusing money into the economy or giving it directly to MSMEs in terms of a bailout package, the government has resorted to taking over the credit risk of MSMEs should they want to remain in business. These credit guarantees should help the formal banking system meet the credit demand of the MSME sector For instance, if the government provides say a 100% credit guarantee up to an amount of Rs 1 crore to a firm, it means that a bank can lend Rs 1 crore to that firm; in case the firm fails to pay back, the government will make good all of Rs 1 crore. If this guarantee was for the first 20% of the loan, then the government would guarantee to pay back only Rs 20 lakh. Why: Banks had the money but were not willing to lend to the credit-starved sections of the economy, while the government itself did not have enough money to directly help the economy. Rs 3-lakh crore emergency credit line for MSMEs For this purpose, a corpus of Rs 41,600 crore shall be provided by the central government spread over the current and the next three financial years to provide guarantee against loan losses.  It is for MSMEs that have an already outstanding loan of Rs 25 crore or those with a turnover less than Rs 100 crore. The loans will have a tenure of 4 years and they will have a moratorium of 12 months (that is, the payback starts only after 12 months). The loan should be taken before October 31, 2020. Why Rs 3 lakh crore: The total outstanding loan to MSMEs by the banking and NBFC sector would be around Rs 16 to 18 lakh crore. Assuming that 80% of these loans are working capital loans where there would be a 20% incremental funding needs, that gives an amount of approximately Rs 3 lakh crore. So the government is hoping that this credit guarantee will help those MSMEs take out another loan and recover: The hope is that since these MSMEs were able to pay back before the crisis, there is no reason why they cannot after the crisis, provided they are given some extra money to survive this period. Subordinate debt scheme: It is worth Rs 20,000 crore, which will allow loans to MSMEs that were already categorised as “stressed”, or struggling to pay back. In this case, the government’s guarantee is not full, but partial. Creation of a fund with a corpus of Rs 50,000 crore to infuse equity into “viable” MSMEs, thus helping them to expand and grow. The government intends to put in Rs 10,000 crore and get others, possibly institutions like LIC and SBI, to fund the remaining amount. Change of definition The government has broadened the definition of Micro, Small and Medium Enterprises (MSMEs) by revising the limit of investment in machinery or equipment and introducing a “turnover” criteria — a reform measure that seeks to reverse the traditional policy bias in favour of units staying small in order to qualify for benefits.  Now MSMEs will be judged on turnover and there will be no difference between a manufacturing MSME and a services MSME. The change in definition of MSMEs will also help because “turnover” is the more efficient way to identify an MSME and it also allows a lot of firms, especially in the services sector like mid-sized hospitals, hotels and diagnostic centres to be eligible for benefits as an MSME. Note: New definition of MSME - U.K. Sinha committee Connecting the Dots: What makes them MSMEs vulnerable to Covid-19 disruptions? Discuss long-term solutions. What are credit guarantees? Explain the downsides to resorting to credit guarantees. Essay: The biggest casualty of COVID-19 in India: MSMEs

Daily Prelims CA Quiz

UPSC Quiz - 2020 : IASbaba's Daily Current Affairs Quiz [Day 12]

To Know More about the Initiative -> Click Here Archives The Current Affairs questions are based on sources like ‘The Hindu’, ‘Indian Express’ and ‘PIB’, which are very important sources for UPSC Prelims Exam. The questions are focused on both the concepts and facts. The topics covered here are generally different from what is being covered under ‘Daily Current Affairs/Daily News Analysis (DNA) and Daily Static Quiz’ to avoid duplication. The questions would be published from Monday to Saturday before 2 PM. One should not spend more than 10 minutes on this initiative. Important Note: Don't forget to post your marks in the comment section. Also, let us know if you enjoyed today's test :)  After completing the 5 questions, click on 'View Questions' to check your score, time taken and solutions. To take the Test - Click Here

Motivational Articles

MOTIVATION: Blessing in Disguise - Opportunity to bring your A - Game!

Time to bring your A - Game   It is said that Opportunity doesn’t come knocking at your door, you have to find it and grab it. But in your case, it has actually come knocking. UPSC has finally revealed the new schedule for Civil Services exam 2020 and pushed your Prelims examination date to 4th of October. There is a sign of relief now as you have got something to look forward to. If you look back, you all must be sharing one of the following two stories. First category is of those students who were totally in their grooves preparing for prelims with full efficiency. They were getting great scores in test series and were pretty confident that this year qualifying prelims will be like a stroll in the park. And then suddenly – “Boom”, there is this lockdown which has thrown away everything in the bin. It’s difficult for anyone to come out of their comfort zone and start afresh. And all of you were thrown into that uncomfortable zone. Second category is of those who felt that their preparation is not up to the mark and they were praying for some miracle so that they can get some extra time. Well, their prayers were heard. But since they were not prepared then, they are not prepared now. Time flew away in a flash. On top of all this, many of the aspirants left for their native places leaving the place where they were preparing. Generally our mind is trained to work at one place and relax at other and most of you were forced to move to your relaxing fortress. The preparation that was hindered and everyone was anxiously waiting for a date to set a time frame. Finally it has arrived and left you with ample time to start your preparation a fresh, reach your peak efficiency and get to the finish line. Forget about the time that has already gone. Now is the time for you to be Arjun and focus only on the bird’s eye. First and foremost, you need to make a plan. Since you have a lot of time with you, you need to balance out your mains and prelims preparation. You need to believe that it is all manageable and you can do it. Since timeline is clear we also have surprises for you. We will be coming up with new initiatives considering the timeline so that it can fit in your preparation and will help you to glide through these days. Consider the delay in the examination as a blessing and extra time to sharpen your axe and clear the exam in one blow. This is the best time to make UPSC CSE 2020 your last and successful attempt. Don’t let go of it. Rest assured, believe that this is your chance. You just need to bring your A – game forward and give it all. Be a maniac because extraordinary times require extraordinary effort.   Going forward- One should solely focus on Mains (GS + Optional) till the end of JULY/mid of AUGUST. Revise and master your optional subject along with answer writing. As far as GS is concerned, great emphasis should be given on practicing GS-4 and Essay at this stage. You can follow – ‘IASbaba’s Think, Learn and Perform (TLP) Daily Mains Answer Writing – High Order Thinking (HOT) Questions’ to practice answer writing. To Know about TLP – HOT Questions – CLICK HERE For Prelims Practice Question you can follow – Daily Current Affairs Quiz and Daily Static Quiz – CLICK HERE   “We will soon come up with new updates and initiatives/strategy on ‘HOW TO GO ABOUT UPSC CSE 2020 and UPSC CSE 2021.”   All the best IASbaba

Daily Static Quiz

UPSC Static Quiz - 2020 : IASbaba's Daily Static Quiz - Science & Technology [Day 12]

To Know More about the Initiative -> Click Here DAILY STATIC QUIZ will cover all the topics of Static/Core subjects – Polity, History, Geography, Economics, Environment and Science and technology. After completing the 5 questions, click on 'View Questions' to check your score, time taken and solutions. Important Note Don't forget to post your marks in the comment section. Also, let us know if you enjoyed today's test :)  To take the Test - Click Here