Which of the following cannot be used with the keyword virtual? ?->(Show Answer!)

1. Which of the following cannot be used with the keyword virtual?

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MCQ-> Read the following passage carefully and answer the given questions. Certain words/phrases have been given in bold to help you locate them while answering some of the questions. Virtual currencies are growing in popularity. While the collective value of virtual currencies is still a fraction of the total U.S. Dollars in circulation, the use of virtual currencies as a payment mechanism of transfer of value is gaining momentum. Additionally, the number of entities (issuers, exchangers and intermediaries, to name just a few) that engage in virtual currency transactions is increasing and these entities often need access to traditional banking services.Virtual currencies are digital representations of value that function as a medium of exchange, a unit of account and a store of value (buy now redeem later policy). In many cases, virtual currencies are “convertible” currencies; they are not legal lenders, but they have an equivalent value in real currency. Despite what seems to be a tremendous interest in virtual currencies their overall value is still extremely small relative to other payment mechanisms, such as cash, cheques and credit and debit cards. The virtual currency landscape includes many participants from the merchant that accepts the virtual currency, to the intermediary that exchanges the virtual currency on behalf of the merchant, to the exchange that actually converts the virtual currency to the real currency to the electronic wallet provider that holds the virtual currency on behalf of its owner. Accordingly, opportunities abound for community banks to provide services to entities engaged in virtual currency activities. Eventually, it is also possible that community banks may find themselves holding virtual currency on their own balance sheets.Launched in 2009, Silicon is currently the largest and most popular virtual currency. However, many other virtual currencies have emerged over the past few years, such as Litecoin, Dogecoin, Peercoin and these provide even more anonymity to its users than that provided by Bitcoin.As the virtual currency landscape is fraught with dangers, what important risks should community bankers consider?The most significant is compliance risk- a subset of legal risk. Specifically, virtual currency administrators or legal exchangers may present risks similar to other money transmitters, as well in presenting their own unique risks. Quite simply, many users of virtual currencies do so because of the perceptions that transactions conaucted using virtual currencies are anonymous. The less-than transparent nature of the transactions, :nay make it more difficult for a inancial institution to truly know and understand the activities of its customer and whether the customer’s activities are legal. Therefore, these transactions may present a higher risk for banks and require additional due diligence and monitoring.Another important risk for community banks to consider is credit risk. How should a community bank respond if a borrower wants to specifically post Bitcoin or another virtual currency as collateral for a loan? For many, virtual currencies are simply another form of cash, so it is not hard to analyse that bankers will face such a scenario at some point. In this case, caution is appropriate. Bankers should carefully weigh the pros and cons of extending any loan secured by Bitcoin or other virtual currencies (in whole or in part), or where the source of loan repayment is in some way dependent on the virtual currency. For one, the value of Bitcoin in particular has been volatile. Then, the collateral value could fluctuate widely from day-to-day. Bankers also need to think about control over the account. ‘How does the banker control access to a virtual wallet, and how can it control the borrower’s access to the virtual wallet? In the event of a loan default, the bank would need to take control of the virtual currency. This would require access to the borrower’s virtual wallet and private key. All of this suggests that the loan agreement needs to be carefully crafted and that additional steps need to be taken to ensure the bank has a perfected lift on the virtual currency.Virtual currencies bring with them, both opportunities and challenges, and they are likely here to stay. Although, it is too early to determine just how prevalent they will be in the coming years, we too expect that the virtual participants in the virtual currency ecosystem will increasingly intersect with the banking industry.Which of the following is the meaning of the phrase ‘fraught with dangers’ as mentioned in the passage?
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MCQ-> Analyse the following passage and provide appropriate answers that follow.We can answer Fermi’s Paradox in two ways. Perhaps our current science over - estimates the likelihood of extraterrestrial intelligence evolving. Or, perhaps, evolved technical intelligence has some deep tendency to be self - limiting, even self - exterminating. After Hiroshima, some suggested that any aliens bright enough to make colonizing space ships would be bright enough to make thermonuclear bombs, and would use them on each other sooner or later.I suggest a different, even darker solution to the Paradox. Basically, I think the aliens forget to send radio signals or colonize space because they’re too busy with runaway consumerism and virtual - reality narcissism. Once they turn inwards to chase their shiny pennies of pleasure, they lose the cosmic plot.The fundamental problem is that an evolved mind must pay attention to indirect cues of biological fitness, rather than tracking fitness itself. This was a key insight of evolutionary psychology in the early 1990s; although evolution favours brains that tend to maximize fitness (as measured by numbers of great - grandkids), no brain has capacity enough to do so under every possible circumstance. As a result, brains must evolve shortcuts: fitness - promoting tricks, cons, recipes and heuristics that work, on an average, under ancestrally normal conditions. Technology is fairly good at controlling external reality to promote real biological fitness, but it’s even better at delivering fake fitness - subjective cues of survival and reproduction without the real - world effects.Fitness - faking technology tends to evolve much faster than our psychological resistance to it. With the invention of Xbox 360, people would rather play a high - resolution virtual ape in Peter Jackson’s King Kong than be a perfect – resolution real human. Teens today must find their way through a carnival of addictively fitness - faking entertainment products. The traditional staples of physical, mental and social development - athletics, homework dating - are neglected. The few young people with the self - control to pursue the meritocratic path often get distracted at the last minute.Around 1900, most inventions concerned physical reality and in 2005 focus shifted to virtual entertainment. Freud’s pleasure principle triumphs over the reality principle. Today we narrow - cast human - interest stories to each other, rather than broadcasting messages of universal peace and progress to other star systems.Maybe the bright aliens did the same. I suspect that a certain period of fitness - faking narcissism is inevitable after any intelligent life evolves. This is the Great Temptation for any technological species – to shape their subjective reality to provide the cues of survival and reproductive success without the substance. Most bright alien species probably go extinct gradually, allocating more time and resources to their pleasures and less to their children.Heritable variation in personality might allow some lineages to resist the Great Temptation and last longer. Some individuals and families may start with an “irrational” Luddite abhorrence of entertainment technology, and they may evolve ever more self - control, conscientiousness and pragmatism by combining the family values of the religious right with the sustainability values of the Greenpeace. They wait patiently for our fitness - faking narcissism to go extinct. Those practical - minded breeders will inherit the Earth as like - minded aliens may have inherited a few other planets. When they finally achieve contacts, it will not be a meeting of novel - readers and game - players. It will be a meeting of dead - serious super - parents who congratulate each other on surviving not just the Bomb, but the Xbox.Among the following options, which one represents the most important concern raised in the passage?
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MCQ->As mentioned in the passage,banks may face which of the following risks while dealing with virtual currencies? (A) Since these transactions are largely untraceable, virtual currencies may be misused for criminal activities. (B) The price of virtual currencies including Bitcoin is subject to significant fluctuations. (C) There are few designated ATMs from which one can withdraw such currencies.....