{"id":12677,"date":"2026-04-23T11:04:26","date_gmt":"2026-04-23T11:04:26","guid":{"rendered":"https:\/\/promotionexams.com\/?page_id=12677"},"modified":"2026-08-19T12:52:04","modified_gmt":"2026-08-19T12:52:04","slug":"chapterwise-quiz-commutation-of-pension","status":"publish","type":"page","link":"https:\/\/promotionexams.com\/?page_id=12677","title":{"rendered":"MCQs (Chapterwise)-Commutation of Pension"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12677\" class=\"elementor elementor-12677\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b96bc0 e-con-full e-flex e-con e-parent\" data-id=\"9b96bc0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-797929b elementor-widget elementor-widget-html\" data-id=\"797929b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!--\r\n============================================================\r\nCSS ADDA \u00b7 PromotionExams.com\r\nCHAPTER-WISE MCQ PRACTICE + AI COACH  (Reusable Template)\r\n------------------------------------------------------------\r\nTABS:\r\n  1. Practice Quiz   \u2014 chapter-wise quiz (progress, weak areas,\r\n                       chapter filter, mastery stars)\r\n  2. My Performance  \u2014 AI coach: readiness score, focus areas,\r\n                       study plan, spaced-repetition revision queue\r\n\r\nHOW TO REUSE THIS TEMPLATE (3 steps):\r\n  1. In quizConfig below, change:\r\n       quizId   -> a UNIQUE id per topic (e.g. 'RTI-chapterwise-quiz').\r\n                   This keys localStorage; two quizzes sharing an id\r\n                   will share\/overwrite each other's progress!\r\n       topic    -> heading shown in the header\r\n       paper    -> 'Paper 1' \/ 'Paper 2' (shown in the eyebrow line)\r\n  2. Paste your question bank into  const allQuestions = [ ... ]\r\n     (format documented at the array).\r\n     NOTE: No 'year' field \u2014 this template is chapter-wise only.\r\n  3. Nothing else needs editing.\r\n\r\nRESET BEHAVIOUR:\r\n  \u2022 \"Reset Session\" (Practice tab)   -> clears ONLY the current\r\n    session's answers\/score. Lifetime mastery, weak areas and the\r\n    My Performance data are KEPT.\r\n  \u2022 \"Reset My Performance\" (My Performance tab) -> wipes lifetime\r\n    stats, mastery, weak areas and attempt history (with confirm).\r\n\r\nAll progress persists in localStorage (per quizId).\r\n============================================================\r\n-->\r\n\r\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1, viewport-fit=cover\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Crimson+Pro:wght@500;600;700&family=DM+Sans:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n\/* =====================================================\r\n   CSS ADDA \u2014 INTEGRATED PORTAL DESIGN SYSTEM\r\n   NOTE ON FONT STABILITY: all font sizes are in px (not\r\n   rem) so the widget looks identical on every WordPress\r\n   page\/theme, regardless of the site's root font size.\r\n   Key exam-paper typography carries !important to defeat\r\n   theme overrides. The Google Fonts stylesheet link above\r\n   is REQUIRED \u2014 without it Crimson Pro \/ DM Sans never\r\n   load and the MCQ style changes page to page.\r\n===================================================== *\/\r\n.cwq-portal{\r\n  --navy:#2563EB; --navy-d:#1D4ED8; --navy-l:#3B82F6; --navy-ink:#12275c;\r\n  --gold:#c9992a; --gold-l:#e6c14e; --gold-d:#a37b1c;\r\n  --green:#10B981; --green-d:#059669; --green-bg:#ecfdf5;\r\n  --red:#EF4444; --red-d:#dc2626; --red-bg:#fef2f2;\r\n  --amber:#f59e0b; --amber-d:#d97706;\r\n  --bg:#F6F8FC; --card:#FFFFFF;\r\n  --ink:#1E293B; --mut:#5b6472; --faint:#94A3B8; --line:#E2E8F0;\r\n  --sh-sm:0 1px 2px rgba(16,41,66,.06);\r\n  --sh-md:0 4px 10px -2px rgba(16,41,66,.10);\r\n  --sh-lg:0 12px 26px -8px rgba(16,41,66,.16);\r\n  --r-sm:8px; --r-md:12px; --r-lg:16px;\r\n  --serif:'Crimson Pro',Georgia,'Times New Roman',serif;\r\n  --sans:'DM Sans',-apple-system,BlinkMacSystemFont,sans-serif;\r\n  font-family:var(--sans) !important;\r\n  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var(--line)}\r\n.action-btn.reset:hover{border-color:var(--red);color:var(--red)}\r\n.reset-note{font-size:11.5px;color:var(--faint);text-align:center;margin-top:6px;line-height:1.45}\r\n\r\n\/* ---------- TOAST & MODAL ---------- *\/\r\n.warning-toast{position:fixed;bottom:30px;left:50%;transform:translateX(-50%);background:var(--red);color:#fff;padding:12px 24px;border-radius:var(--r-md);font-weight:600;box-shadow:var(--sh-lg);z-index:10000;display:none;animation:gpUp .3s ease;font-size:14.1px}\r\n.warning-toast.show{display:flex;align-items:center;gap:8px}\r\n.warning-toast.success{background:var(--green)}\r\n@keyframes gpUp{from{opacity:0;transform:translateX(-50%) translateY(20px)}to{opacity:1;transform:translateX(-50%) 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*\/\r\n.bar-name{font-size:13.8px;font-weight:500;line-height:1.35;overflow-wrap:break-word;word-break:break-word}\r\n.bar-track{background:#eef1f6;border-radius:8px;height:20px;overflow:hidden}\r\n.bar-fill{height:100%;border-radius:8px;transition:width .8s ease}\r\n.bar-val{font-weight:700;font-size:14.7px;min-width:64px;text-align:right}\r\n.tbl-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:#fff}\r\n.ai-hero{display:grid;grid-template-columns:280px 1fr;gap:18px;align-items:stretch}\r\n.ai-ring-card{background:linear-gradient(150deg,var(--navy-ink) 0%,var(--navy-d) 70%,#2f5fe0 100%);border-radius:var(--r-lg);padding:26px 20px;color:#fff;text-align:center;display:flex;flex-direction:column;align-items:center;justify-content:center;box-shadow:var(--sh-md)}\r\n.ai-ring{position:relative;width:150px;height:150px}\r\n.ai-ring svg{transform:rotate(-90deg)}\r\n.ai-ring .bg{fill:none;stroke:rgba(255,255,255,.14);stroke-width:11}\r\n.ai-ring .fg{fill:none;stroke:var(--gold-l);stroke-width:11;stroke-linecap:round;transition:stroke-dashoffset 1s ease}\r\n.ai-ring-txt{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}\r\n.ai-ring-txt .n{font-family:var(--serif);font-size:40px;font-weight:600;color:var(--gold-l);line-height:1}\r\n.ai-ring-txt .l{font-size:9.9px;letter-spacing:.12em;text-transform:uppercase;color:#bfdbfe;margin-top:4px}\r\n.ai-verdict{margin-top:14px;font-size:13.8px;color:#dbeafe;line-height:1.5}\r\n.ai-verdict b{color:#fff}\r\n.ai-coach-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;box-shadow:var(--sh-sm)}\r\n.ai-coach-card h3{font-size:15.2px;color:var(--navy-ink);display:flex;align-items:center;gap:8px;margin-bottom:12px}\r\n.ai-coach-card h3 i{color:var(--gold)}\r\n.ai-reco{display:flex;gap:12px;padding:11px 0;border-bottom:1px dashed var(--line);align-items:flex-start}\r\n.ai-reco:last-child{border-bottom:none}\r\n.ai-reco .ic{width:30px;height:30px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:12.8px;flex-shrink:0;margin-top:2px}\r\n.ai-reco .ic.hot{background:var(--red-bg);color:var(--red-d)}\r\n.ai-reco .ic.warm{background:#fef7e6;color:var(--amber-d)}\r\n.ai-reco .ic.cool{background:#eff6ff;color:var(--navy)}\r\n.ai-reco .ic.good{background:var(--green-bg);color:var(--green-d)}\r\n.ai-reco p{font-size:13.9px;color:#37414f}\r\n.ai-reco p b{color:var(--navy-ink)}\r\n.ai-reco .go{margin-left:auto;flex-shrink:0;background:#EFF6FF;color:var(--navy-d);border:1px solid #d4e2fb;border-radius:8px;padding:6px 12px;font-size:11.5px;font-weight:700;cursor:pointer;transition:all .25s;font-family:var(--sans);white-space:nowrap}\r\n.ai-reco .go:hover{background:var(--navy);color:#fff}\r\n\r\n.ai-kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-top:18px}\r\n.ai-kpi{background:var(--card);border:1px solid var(--line);border-radius:var(--r-md);padding:14px 16px;box-shadow:var(--sh-sm)}\r\n.ai-kpi .n{font-family:var(--serif);font-size:25.6px;font-weight:600;color:var(--navy-d)}\r\n.ai-kpi .n.g{color:var(--green-d)} .ai-kpi .n.r{color:var(--red-d)} .ai-kpi .n.a{color:var(--amber-d)}\r\n.ai-kpi .l{font-size:10.9px;letter-spacing:.05em;text-transform:uppercase;color:var(--mut);margin-top:2px}\r\n\r\ntable.perf{border-collapse:collapse;width:100%;font-size:13.1px;min-width:760px}\r\ntable.perf th,table.perf td{padding:10px 10px;border-bottom:1px solid #eef1f6;text-align:center}\r\ntable.perf thead th{background:var(--navy);color:#fff;font-weight:600;font-size:11.5px}\r\ntable.perf th:first-child,table.perf td:first-child{text-align:left;padding-left:14px}\r\n\/* WRAP FIX: chapter column wraps; bounded so metric columns stay visible *\/\r\ntable.perf td:first-child{font-weight:500;background:#fbfcfe;white-space:normal;overflow-wrap:break-word;word-break:break-word;min-width:150px;max-width:260px;line-height:1.4}\r\n.mini-track{background:#eef1f6;border-radius:6px;height:9px;overflow:hidden;min-width:80px}\r\n.mini-fill{height:100%;border-radius:6px}\r\n.tag{display:inline-block;font-size:10.6px;font-weight:700;padding:3px 9px;border-radius:20px;text-transform:uppercase;letter-spacing:.03em}\r\n.tag.hot{background:var(--red-bg);color:var(--red-d)}\r\n.tag.warm{background:#fef7e6;color:var(--amber-d)}\r\n.tag.ok{background:#eff6ff;color:var(--navy-d)}\r\n.tag.good{background:var(--green-bg);color:var(--green-d)}\r\n.tag.na{background:#f1f5f9;color:var(--faint)}\r\n.mini-go{background:none;border:1px solid var(--line);border-radius:8px;padding:5px 10px;font-size:11.2px;font-weight:700;color:var(--navy-d);cursor:pointer;transition:all .25s;font-family:var(--sans)}\r\n.mini-go:hover{background:var(--navy);color:#fff;border-color:var(--navy)}\r\n\r\n.rev-item{display:flex;align-items:center;gap:10px;background:#F8FAFC;border-left:3px solid var(--amber);border-radius:var(--r-sm);padding:10px 12px;margin-bottom:8px;font-size:12.6px;cursor:pointer;transition:all .25s}\r\n.rev-item:hover{background:#fef7e6;transform:translateX(3px)}\r\n.rev-item .q-num{font-weight:700;color:var(--amber-d);flex-shrink:0}\r\n.rev-item .q-text{flex:1;color:var(--mut);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}\r\n.rev-item .days{background:var(--amber);color:#fff;padding:2px 8px;border-radius:20px;font-size:10.2px;font-weight:700;white-space:nowrap}\r\n.ai-empty{text-align:center;padding:34px 20px;color:var(--mut)}\r\n.ai-empty i{font-size:32px;color:var(--gold);margin-bottom:12px;display:block}\r\n.ai-empty .big{font-family:var(--serif);font-size:19.2px;color:var(--navy-ink);margin-bottom:6px}\r\n.ai-empty p{font-size:13.9px;max-width:52ch;margin:0 auto}\r\n.ai-two{display:grid;grid-template-columns:1fr 1fr;gap:18px}\r\n.perf-reset-wrap{margin-top:34px;padding:18px;border:1px dashed #f3c1c1;border-radius:var(--r-lg);background:#fffafa;display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}\r\n.perf-reset-wrap p{font-size:13.1px;color:var(--mut);flex:1;min-width:220px}\r\n.perf-reset-wrap p b{color:var(--red-d)}\r\n.perf-reset-btn{padding:11px 20px;background:#fff;border:2px solid #f3c1c1;border-radius:var(--r-md);color:var(--red-d);font-size:13.1px;font-weight:700;cursor:pointer;transition:all .25s;font-family:var(--sans);display:flex;align-items:center;gap:7px;white-space:nowrap}\r\n.perf-reset-btn:hover{background:var(--red);border-color:var(--red);color:#fff}\r\n\r\n\/* ---------- RESPONSIVE ---------- *\/\r\n@media(max-width:1024px){.quiz-container{grid-template-columns:minmax(0,1fr) 270px;gap:14px}}\r\n@media(max-width:900px){\r\n  \/* MOBILE: question 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navigator becomes a horizontal strip *\/\r\n  .question-grid{display:flex;flex-wrap:nowrap;overflow-x:auto;max-height:none;padding-bottom:6px;gap:7px;-webkit-overflow-scrolling:touch}\r\n  .grid-item{flex:0 0 40px;height:40px;aspect-ratio:auto}\r\n  .weak-question-list{max-height:150px}\r\n  .ai-hero{grid-template-columns:1fr}\r\n  .ai-two{grid-template-columns:1fr}\r\n}\r\n@media(max-width:600px){\r\n  .gp-header{padding:18px 14px 0}\r\n  .gp-brand h1{font-size:20.5px}\r\n  .gp-brand p{font-size:12.5px}\r\n  .gp-tabs{overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch}\r\n  .gp-tab{padding:9px 13px;font-size:12px;flex:0 0 auto;white-space:nowrap}\r\n  .ai-wrap{padding:6px 12px 30px}\r\n  .question-header{padding:11px 14px}\r\n  .question-number{font-size:15px}\r\n  .question-body{padding:14px}\r\n  .question-text{font-size:17px !important;padding:15px 16px;line-height:1.68}\r\n  .q-stmt{margin-left:6px;grid-template-columns:26px 1fr}\r\n  .option-item{padding:11px 12px;gap:9px}\r\n  .option-letter{min-width:30px;font-size:16.3px !important}\r\n  .option-text{font-size:16.3px !important}\r\n  .option-item:hover:not(.disabled){transform:none}\r\n  .question-nav{flex-wrap:wrap;padding:12px;gap:9px}\r\n  .nav-btn{padding:11px 16px;font-size:12.8px;flex:1;justify-content:center}\r\n  .nav-btn.check{order:-1;width:100%;max-width:none;flex-basis:100%}\r\n  .progress-combo{grid-template-columns:auto 1fr;gap:10px}\r\n  .result-stats{grid-template-columns:repeat(3,1fr);gap:7px}\r\n  .result-content{padding:22px}\r\n  .result-buttons{flex-direction:column}\r\n  .bar-row{grid-template-columns:28px 1fr;row-gap:4px}\r\n  .bar-track{grid-column:1\/-1}\r\n  .bar-name,.bar-val{grid-column:2;text-align:left}\r\n  .sec-head{flex-wrap:wrap;gap:6px}\r\n  .sec-head .hint{margin-left:0;flex-basis:100%}\r\n  .sec-head h2{font-size:16px}\r\n  .ai-ring{transform:scale(.85);margin:-8px}\r\n  .ai-ring-txt .n{font-size:33.6px}\r\n  .ai-kpis{grid-template-columns:repeat(2,1fr)}\r\n  .ai-kpi .n{font-size:20.8px}\r\n  .ai-reco{flex-wrap:wrap}\r\n  .ai-reco .go{margin-left:42px}\r\n  .warning-toast{width:calc(100% - 32px);justify-content:center;font-size:12.8px}\r\n  .gp-stat{min-width:76px}\r\n  .perf-reset-wrap{flex-direction:column;align-items:stretch}\r\n  .perf-reset-btn{justify-content:center}\r\n}\r\n\/* very small phones *\/\r\n@media(max-width:380px){\r\n  .gp-header{padding:14px 10px 0}\r\n  .gp-tab{padding:8px 10px;font-size:11.2px}\r\n  .mode-tab{padding:8px 11px;font-size:11.7px}\r\n  .question-text{font-size:16px !important;padding:12px}\r\n  .option-text,.option-letter{font-size:15.5px !important}\r\n  .ai-wrap{padding:6px 8px 24px}\r\n  .quiz-container{padding:0 8px 8px}\r\n  .filter-bar{padding:10px 8px 0}\r\n}\r\n<\/style>\r\n\r\n<div class=\"cwq-portal\" id=\"quizWrapper\">\r\n    <!-- Warning Toast -->\r\n    <div class=\"warning-toast\" id=\"warningToast\">\r\n        <span class=\"ic\">\u26a0\ufe0f<\/span>\r\n        <span id=\"toastMessage\">Message<\/span>\r\n    <\/div>\r\n\r\n    <!-- Result Modal -->\r\n    <div class=\"result-modal\" id=\"resultModal\">\r\n        <div class=\"result-content\">\r\n            <div class=\"result-icon\" id=\"resultIcon\">\ud83c\udf89<\/div>\r\n            <h2 class=\"result-title\" id=\"resultTitle\">Great Job!<\/h2>\r\n            <p class=\"result-message\" id=\"resultMessage\">You have completed the quiz.<\/p>\r\n            <div class=\"result-stats\">\r\n                <div class=\"result-stat\">\r\n                    <div class=\"result-stat-value\" id=\"resultCorrect\">0<\/div>\r\n                    <div class=\"result-stat-label\">Correct<\/div>\r\n                <\/div>\r\n                <div class=\"result-stat\">\r\n                    <div class=\"result-stat-value\" id=\"resultIncorrect\">0<\/div>\r\n                    <div class=\"result-stat-label\">Incorrect<\/div>\r\n                <\/div>\r\n                <div class=\"result-stat\">\r\n                    <div class=\"result-stat-value\" id=\"resultScore\">0%<\/div>\r\n                    <div class=\"result-stat-label\">Score<\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"result-buttons\">\r\n                <button class=\"result-btn secondary\" id=\"reviewBtn\"><span class=\"ic\">\ud83d\udc41<\/span> Review<\/button>\r\n                <button class=\"result-btn weak\" id=\"practiceWeakBtn\" style=\"display:none;\"><span class=\"ic\">\u26a0\ufe0f<\/span> Practice Weak<\/button>\r\n                <button class=\"result-btn primary\" id=\"retryBtn\"><span class=\"ic\">\u21bb<\/span> Try Again<\/button>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <!-- ================= HEADER ================= -->\r\n    <header class=\"gp-header\">\r\n        <div class=\"gp-head-top\">\r\n            <div class=\"gp-brand\">\r\n                <div class=\"eyebrow\" id=\"topicEyebrow\">CSS ADDA \u00b7 PromotionExams.com<\/div>\r\n                <h1 id=\"topicName\">CCS (Commutation of Pension) Rules, 1983<\/h1>\r\n                <p>Chapter-wise MCQs \u00b7 Smart Practice, Weak-Area Drills &amp; AI Coach<\/p>\r\n            <\/div>\r\n            <div class=\"gp-stats\">\r\n                <div class=\"gp-stat\"><div class=\"n\" id=\"hdrTotalQ\">0<\/div><div class=\"l\">MCQs<\/div><\/div>\r\n                <div class=\"gp-stat\"><div class=\"n\" id=\"hdrChapters\">0<\/div><div class=\"l\">Chapters<\/div><\/div>\r\n                <div class=\"gp-stat\"><div class=\"n\" id=\"hdrMastered\">0%<\/div><div class=\"l\">Mastered<\/div><\/div>\r\n                <div class=\"gp-stat clickable\" id=\"weakBadgeHeader\" style=\"display:none;\"><div class=\"n\" id=\"weakCountHeader\">0<\/div><div class=\"l\">Weak Areas<\/div><\/div>\r\n                <div class=\"gp-stat\"><div class=\"n\" id=\"hdrReadiness\">\u2014<\/div><div class=\"l\">Readiness<\/div><\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <nav class=\"gp-tabs\">\r\n            <button class=\"gp-tab active\" data-view=\"practice\"><span class=\"ic\">\u270d\ufe0f<\/span> Practice Quiz<\/button>\r\n            <button class=\"gp-tab\" data-view=\"performance\"><span class=\"ic\">\ud83e\udde0<\/span> My Performance <span class=\"pill\" id=\"perfPill\" style=\"display:none;\">!<\/span><\/button>\r\n        <\/nav>\r\n    <\/header>\r\n\r\n    <!-- ================= VIEW 1 : PRACTICE QUIZ ================= -->\r\n    <div class=\"gp-view active\" id=\"view-practice\">\r\n\r\n    <!-- Mode Selector -->\r\n    <div class=\"mode-selector\">\r\n        <div class=\"mode-tabs\">\r\n            <button class=\"mode-tab active\" data-mode=\"all\" id=\"modeAll\">\r\n                <span class=\"ic\">\ud83d\udccb<\/span> All Questions <span class=\"badge\" id=\"allCount\">0<\/span>\r\n            <\/button>\r\n            <button class=\"mode-tab\" data-mode=\"chapter\" id=\"modeChapter\">\r\n                <span class=\"ic\">\ud83d\udcda<\/span> By Chapter\r\n            <\/button>\r\n            <button class=\"mode-tab weak-mode\" data-mode=\"weak\" id=\"modeWeak\">\r\n                <span class=\"ic\">\u26a0\ufe0f<\/span> Weak Areas <span class=\"badge\" id=\"weakModeCount\">0<\/span>\r\n            <\/button>\r\n        <\/div>\r\n        <div class=\"session-info\" id=\"sessionInfo\" style=\"display:none;\">\r\n            <span class=\"ic\">\ud83d\udd58<\/span>\r\n            <span id=\"sessionText\">Last session: Q5<\/span>\r\n            <button class=\"resume-btn\" id=\"resumeBtn\"><span class=\"ic\">\u25b6<\/span> Resume<\/button>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <!-- FILTER BAR (before the MCQ content) -->\r\n    <div class=\"filter-bar\">\r\n        <div class=\"filter-bar-row\">\r\n            <div class=\"quiz-card\" id=\"chapterFilterCard\">\r\n                <div class=\"quiz-card-header light\"><h3><span class=\"ic\">\ud83d\udcda<\/span> Filter by Chapter<\/h3><\/div>\r\n                <div class=\"quiz-card-body\" style=\"padding:10px 14px\"><div class=\"filter-list\" id=\"chapterList\"><\/div><\/div>\r\n            <\/div>\r\n            <div class=\"quiz-card weak-areas-card\" id=\"weakAreasCard\" style=\"display:none;\">\r\n                <div class=\"quiz-card-header\"><h3><span class=\"ic\">\u26a0\ufe0f<\/span> Weak Areas<\/h3><\/div>\r\n                <div class=\"quiz-card-body\" style=\"padding:10px 14px\">\r\n                    <div class=\"weak-question-list\" id=\"weakQuestionList\"><\/div>\r\n                    <button class=\"practice-weak-btn\" id=\"practiceWeakAreasBtn\"><span class=\"ic\">\u21bb<\/span> Practice All Weak Areas<\/button>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <!-- Main Container -->\r\n    <div class=\"quiz-container\">\r\n        <!-- Question Panel (primary) -->\r\n        <main class=\"question-panel\">\r\n            <div class=\"question-header\">\r\n                <span class=\"question-number\" id=\"questionNumber\">Question 1 of 20<\/span>\r\n                <div class=\"question-meta\">\r\n                    <div class=\"meta-badge chapter\"><span class=\"ic\">\ud83d\udcd6<\/span> <span id=\"currentQuestionChapter\">\u2014<\/span><\/div>\r\n                    <div class=\"meta-badge weak\" id=\"weakBadge\" style=\"display:none;\"><span class=\"ic\">\u26a0\ufe0f<\/span> <span>Weak<\/span><\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"question-body\">\r\n                <div class=\"question-text\" id=\"questionText\">Loading question...<\/div>\r\n                <div class=\"options-list\" id=\"optionsList\"><\/div>\r\n                <div class=\"explanation-box\" id=\"explanationBox\">\r\n                    <div class=\"explanation-title\"><span class=\"ic\">\ud83d\udca1<\/span> Explanation<\/div>\r\n                    <p class=\"explanation-text\" id=\"explanationText\"><\/p>\r\n                <\/div>\r\n                <div class=\"mastery-indicator\" id=\"masteryIndicator\">\r\n                    <span class=\"mastery-label\"><span class=\"ic\">\u2b50<\/span> Mastery:<\/span>\r\n                    <div class=\"mastery-stars\" id=\"masteryStars\">\r\n                        <i>\u2605<\/i><i>\u2605<\/i><i>\u2605<\/i><i>\u2605<\/i><i>\u2605<\/i>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"question-nav\">\r\n                    <button class=\"nav-btn prev\" id=\"prevBtn\"><span class=\"ic\">\u2190<\/span> Previous<\/button>\r\n                    <button class=\"nav-btn check\" id=\"checkBtn\"><span class=\"ic\">\u2713<\/span> Check Answer<\/button>\r\n                    <button class=\"nav-btn next\" id=\"nextBtn\">Next <span class=\"ic\">\u2192<\/span><\/button>\r\n                <\/div>\r\n            <\/div>\r\n        <\/main>\r\n\r\n        <!-- Right Rail: navigator \u2192 progress \u2192 actions -->\r\n        <aside class=\"dashboard-sidebar\">\r\n            <div class=\"quiz-card\">\r\n                <div class=\"quiz-card-header light\"><h3><span class=\"ic\">\ud83d\uddc2\ufe0f<\/span> Question Navigator<\/h3><\/div>\r\n                <div class=\"quiz-card-body\">\r\n                    <div class=\"question-grid\" id=\"questionGrid\"><\/div>\r\n                    <div class=\"legend\">\r\n                        <div class=\"legend-items\">\r\n                            <div class=\"legend-item\"><div class=\"legend-color unattempted\"><\/div><span>New<\/span><\/div>\r\n                            <div class=\"legend-item\"><div class=\"legend-color attempted\"><\/div><span>Seen<\/span><\/div>\r\n                            <div class=\"legend-item\"><div class=\"legend-color correct\"><\/div><span>Correct<\/span><\/div>\r\n                            <div class=\"legend-item\"><div class=\"legend-color incorrect\"><\/div><span>Incorrect<\/span><\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"quiz-card\">\r\n                <div class=\"quiz-card-header\"><h3><span class=\"ic\">\ud83c\udfc6<\/span> Progress &amp; Session<\/h3><\/div>\r\n                <div class=\"quiz-card-body\">\r\n                    <div class=\"progress-combo\">\r\n                        <div class=\"progress-ring-container\">\r\n                            <div class=\"progress-ring\">\r\n                                <svg width=\"100\" height=\"100\">\r\n                                    <circle class=\"progress-ring-bg\" cx=\"50\" cy=\"50\" r=\"42\"><\/circle>\r\n                                    <circle class=\"progress-ring-fill\" cx=\"50\" cy=\"50\" r=\"42\" stroke-dasharray=\"264\" stroke-dashoffset=\"264\" id=\"progressRingFill\"><\/circle>\r\n                                <\/svg>\r\n                                <div class=\"progress-ring-text\">\r\n                                    <span class=\"progress-ring-percentage\" id=\"progressPercentage\">0%<\/span>\r\n                                    <span class=\"progress-ring-label\">Mastered<\/span>\r\n                                <\/div>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"stat-col\">\r\n                            <div class=\"stat-row\"><span class=\"stat-label\">Questions<\/span><span class=\"stat-value\" id=\"totalQuestions\">0<\/span><\/div>\r\n                            <div class=\"stat-row\"><span class=\"stat-label\">Attempted<\/span><span class=\"stat-value\" id=\"attemptedCount\">0<\/span><\/div>\r\n                            <div class=\"stat-row\"><span class=\"stat-label\">Correct<\/span><span class=\"stat-value correct\" id=\"correctCount\">0<\/span><\/div>\r\n                            <div class=\"stat-row\"><span class=\"stat-label\">Incorrect<\/span><span class=\"stat-value incorrect\" id=\"incorrectCount\">0<\/span><\/div>\r\n                        <\/div>\r\n                    <\/div>\r\n                    <div class=\"progress-stats-mini\" style=\"margin-top:10px\">\r\n                        <div class=\"progress-stat-mini\"><div class=\"value correct\" id=\"totalCorrectProgress\">0<\/div><div class=\"label\">Lifetime Correct<\/div><\/div>\r\n                        <div class=\"progress-stat-mini\"><div class=\"value incorrect\" id=\"totalWeakProgress\">0<\/div><div class=\"label\">Weak Areas<\/div><\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"action-buttons\">\r\n                <button class=\"action-btn submit\" id=\"submitBtn\"><span class=\"ic\">\ud83d\udce4<\/span> Submit &amp; View Results<\/button>\r\n                <button class=\"action-btn reset\" id=\"resetBtn\"><span class=\"ic\">\u21ba<\/span> Reset Session<\/button>\r\n                <p class=\"reset-note\">Resets only this session's answers.<br>Lifetime performance &amp; mastery are kept.<\/p>\r\n            <\/div>\r\n        <\/aside>\r\n    <\/div>\r\n    <\/div><!-- \/view-practice -->\r\n\r\n    <!-- ================= VIEW 2 : MY PERFORMANCE (AI COACH) ================= -->\r\n    <div class=\"gp-view\" id=\"view-performance\">\r\n        <div class=\"ai-wrap\">\r\n            <div id=\"aiEmptyState\" class=\"an-card ai-empty\" style=\"display:none;margin-top:24px;\">\r\n                <span class=\"ic\" style=\"font-size:32px\">\ud83e\udde0<\/span>\r\n                <div class=\"big\">Your AI coach is waiting for data<\/div>\r\n                <p>Attempt a few questions in the Practice tab. The coach will then compute your readiness score, detect weak chapters weighted by their share of the question bank, and build a personalised study plan.<\/p>\r\n            <\/div>\r\n\r\n            <div id=\"aiContent\">\r\n                <div class=\"sec-head\" style=\"margin-top:24px;\"><span class=\"num\">01<\/span><h2>Readiness \u2014 AI Assessment<\/h2><span class=\"hint\">weighted by chapter share of the bank<\/span><\/div>\r\n                <div class=\"ai-hero\">\r\n                    <div class=\"ai-ring-card\">\r\n                        <div class=\"ai-ring\">\r\n                            <svg width=\"150\" height=\"150\">\r\n                                <circle class=\"bg\" cx=\"75\" cy=\"75\" r=\"64\"><\/circle>\r\n                                <circle class=\"fg\" cx=\"75\" cy=\"75\" r=\"64\" stroke-dasharray=\"402\" stroke-dashoffset=\"402\" id=\"aiRingFill\"><\/circle>\r\n                            <\/svg>\r\n                            <div class=\"ai-ring-txt\"><span class=\"n\" id=\"aiScore\">0<\/span><span class=\"l\">Readiness \/ 100<\/span><\/div>\r\n                        <\/div>\r\n                        <div class=\"ai-verdict\" id=\"aiVerdict\"><\/div>\r\n                    <\/div>\r\n                    <div class=\"ai-coach-card\">\r\n                        <h3><span class=\"ic\">\ud83e\ude84<\/span> Smart Study Plan \u2014 What to do next<\/h3>\r\n                        <div id=\"aiRecoList\"><\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"ai-kpis\" id=\"aiKpis\"><\/div>\r\n\r\n                <div class=\"sec-head\"><span class=\"num\">02<\/span><h2>Chapter Performance vs Chapter Weight<\/h2><span class=\"hint\">priority = high weight \u00d7 low accuracy<\/span><\/div>\r\n                <div class=\"tbl-scroll\"><table class=\"perf\">\r\n                    <thead><tr><th>Chapter<\/th><th>Weight<\/th><th>Coverage<\/th><th>Accuracy<\/th><th>Status<\/th><th>Action<\/th><\/tr><\/thead>\r\n                    <tbody id=\"perfTableBody\"><\/tbody>\r\n                <\/table><\/div>\r\n\r\n                <div class=\"ai-two\" style=\"margin-top:34px;\">\r\n                    <div>\r\n                        <div class=\"sec-head\" style=\"margin-top:0;\"><span class=\"num\">03<\/span><h2>Revision Queue<\/h2><span class=\"hint\">spaced repetition<\/span><\/div>\r\n                        <div class=\"an-card\" id=\"revisionQueue\"><\/div>\r\n                    <\/div>\r\n                    <div>\r\n                        <div class=\"sec-head\" style=\"margin-top:0;\"><span class=\"num\">04<\/span><h2>Mastery Distribution<\/h2><\/div>\r\n                        <div class=\"an-card\" id=\"masteryDist\"><\/div>\r\n                    <\/div>\r\n                <\/div>\r\n\r\n                <!-- Performance reset (lifetime data) -->\r\n                <div class=\"perf-reset-wrap\">\r\n                    <p><b>Danger zone:<\/b> this permanently erases your lifetime performance for this quiz \u2014 mastery stars, weak areas, accuracy history and the readiness score. Session reset on the Practice tab does <b>not<\/b> touch this data.<\/p>\r\n                    <button class=\"perf-reset-btn\" id=\"resetPerfBtn\"><span class=\"ic\">\ud83d\uddd1\ufe0f<\/span> Reset My Performance<\/button>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div><!-- \/view-performance -->\r\n<\/div>\r\n<script>\r\n\/\/ ==========================================\r\n\/\/ QUIZ CONFIGURATION  \u2190 EDIT PER TOPIC\r\n\/\/ ==========================================\r\nconst quizConfig = {\r\n    \/\/ UNIQUE id per topic. Progress is stored in localStorage under this key,\r\n    \/\/ so two quizzes MUST NOT share the same quizId.\r\n    quizId: 'CHANGE-ME-chapterwise-quiz',\r\n    topic: 'CCS (Commutation of Pension) Rules, 1983',                     \/\/ \u2190 shown in header h1\r\n    paper: 'Paper 2',                        \/\/ \u2190 shown in header eyebrow\r\n    masteryThreshold: 3,   \/\/ total correct needed for \"mastered\"\r\n    weakThreshold: 1,      \/\/ wrong attempts before a question is flagged weak\r\n    revisionGapDays: 7     \/\/ days after which a mastered Q re-enters revision\r\n};\r\n\r\n\/\/ ==========================================\r\n\/\/ QUESTIONS DATA  \u2190 PASTE YOUR QUESTION BANK HERE\r\n\/\/ ------------------------------------------\r\n\/\/ Each question object looks like this:\r\n\/\/ {\r\n\/\/   id: 1,                                  \/\/ unique number across the bank\r\n\/\/   chapter: 'Ch 1: Chapter Name',          \/\/ chapter label (used by filter,\r\n\/\/                                           \/\/ performance table & AI coach)\r\n\/\/   question: \"Question text...\\n1. Statement one\\n2. Statement two\\nSelect the correct answer using the code given below:\",\r\n\/\/   options: [\"Option A\", \"Option B\", \"Option C\", \"Option D\"],\r\n\/\/   correct: 2,                             \/\/ 0-based index of the right option\r\n\/\/   explanation: \"Explanation text shown after checking the answer.\"\r\n\/\/ },\r\n\/\/ Numbered statements: start a line with \"1.\" \/ \"2.\" etc (use \\n or <br>).\r\n\/\/ Lines starting with \"Select the correct answer\u2026\" \/ \"Which of the above\u2026\"\r\n\/\/ are auto-styled as the lead line, UPSC question-paper style.\r\n\/\/ NOTE: No 'year' field \u2014 this template is chapter-wise only.\r\n\/\/ ==========================================\r\nconst allQuestions = [\r\n\r\n  {\r\n    \"id\": 2,\r\n    \"chapter\": \"Ch 1: Preliminary (Rules 1-3)\",\r\n    \"question\": \"The Central Civil Services (Commutation of Pension) Rules, 1981 came into force with effect from:\",\r\n    \"options\": [\r\n      \"1st January, 1981\",\r\n      \"1st April, 1981\",\r\n      \"1st July, 1981\",\r\n      \"1st October, 1981\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 1(2).<\/b> These rules shall come into force on the <b>1st July, 1981<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 3,\r\n    \"chapter\": \"Ch 1: Preliminary (Rules 1-3)\",\r\n    \"question\": \"The Central Civil Services (Commutation of Pension) Rules, 1981 shall apply to Government servants appointed on or before:\",\r\n    \"options\": [\r\n      \"31st December, 2002\",\r\n      \"31st December, 2003\",\r\n      \"1st January, 2004\",\r\n      \"31st March, 2004\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 2 Application.<\/b> These rules apply to Government servants appointed on or before the <b>31st day of December, 2003<\/b>, who may be entitled to or have been authorised any class of pension referred to in Chapter V of the CCS (Pension) Rules, 1972. Those appointed on or after 01.01.2004 are governed by the National Pension System (NPS).\"\r\n  },\r\n  {\r\n    \"id\": 4,\r\n    \"chapter\": \"Ch 1: Preliminary (Rules 1-3)\",\r\n    \"question\": \"Which of the following correctly defines 'Accounts Officer' for the purpose of the Central Civil Services (Commutation of Pension) Rules, 1981?\",\r\n    \"options\": [\r\n      \"Only the Accountant General of a State Government\",\r\n      \"Only the Pay and Accounts Officer of a Ministry of the Central Government\",\r\n      \"An officer who maintains accounts of a Ministry\/Department\/Office of the Central Government or Union Territory, and includes an Accountant General entrusted with keeping such accounts\",\r\n      \"Only officers of the Indian Audit and Accounts Department\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 3(1)(a) Definitions.<\/b> 'Accounts Officer' means <b>an officer, whatsoever his official designation may be<\/b>, who maintains the accounts of a Ministry, Department or Office of the Central Government or Union Territory and <b>includes an Accountant General<\/b> who is entrusted with the functions of keeping the accounts or part of the accounts of the Central Government or Union Territory.\"\r\n  },\r\n  {\r\n    \"id\": 5,\r\n    \"chapter\": \"Ch 1: Preliminary (Rules 1-3)\",\r\n    \"question\": \"Which of the following is NOT recognised as a 'Disbursing Authority' under the Central Civil Services (Commutation of Pension) Rules, 1981?\",\r\n    \"options\": [\r\n      \"Branch of a nationalised bank\",\r\n      \"Treasury including sub-treasury\",\r\n      \"Accounts Officer\",\r\n      \"Head of Office\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 3(1)(e).<\/b> 'Disbursing Authority' means (i) branch of a nationalised bank, (ii) treasury including sub-treasury, or (iii) Accounts Officer, from where the applicant is receiving pension authorised under the Pension Rules. <b>Head of Office is NOT a Disbursing Authority.<\/b>\"\r\n  },\r\n  {\r\n    \"id\": 6,\r\n    \"chapter\": \"Ch 1: Preliminary (Rules 1-3)\",\r\n    \"question\": \"The definition of 'Pension' under the Central Civil Services (Commutation of Pension) Rules, 1981 includes compassionate allowance but specifically EXCLUDES:\",\r\n    \"options\": [\r\n      \"Retiring pension and superannuation pension\",\r\n      \"Compensation pension and invalid pension\",\r\n      \"Extra pension and amounts granted as compensation for higher cost of living\",\r\n      \"Provisional pension sanctioned under Rule 64 of the Pension Rules\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 3(1)(j).<\/b> 'Pension' means any class of pension including <b>compassionate allowance<\/b> referred to in Chapter V of the Pension Rules but <b>does not include extra pension<\/b> and the <b>amount, by whatever name called, granted by the Government to a pensioner as a compensation for higher cost of living<\/b> (i.e., Dearness Relief).\"\r\n  },\r\n\r\n  {\r\n    \"id\": 9,\r\n    \"chapter\": \"Ch 1: Preliminary (Rules 1-3)\",\r\n    \"question\": \"The 'Chief Administrative Medical Authority' for the purpose of the Central Civil Services (Commutation of Pension) Rules, 1981 refers to:\",\r\n    \"options\": [\r\n      \"The Director General of Health Services, New Delhi\",\r\n      \"The medical authority of the State or Union Territory as specified in the Annexure appended to these Rules\",\r\n      \"A Medical Board constituted by the Ministry of Health\",\r\n      \"The Civil Surgeon of the district concerned\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 3(1)(c).<\/b> 'Chief Administrative Medical Authority' means <b>the medical authority of the State or the Union Territory as specified in the Annexure<\/b> appended to these rules. The Annexure lists authorities State-wise (e.g., Director of Health Services of the State).\"\r\n  },\r\n\r\n  {\r\n    \"id\": 11,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"A Government servant against whom departmental or judicial proceedings have been instituted before the date of retirement:\",\r\n    \"options\": [\r\n      \"May commute up to 40% of his provisional pension during pendency of such proceedings\",\r\n      \"Is not eligible to commute a percentage of his provisional pension or pension during the pendency of such proceedings\",\r\n      \"Can commute his pension only after paying a penalty\",\r\n      \"May commute pension only with the prior sanction of the President\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 4 Restriction on commutation of pension.<\/b> No Government servant against whom departmental or judicial proceedings (as referred to in Rule 9 of the Pension Rules) have been instituted before retirement, or the pensioner against whom such proceedings are instituted after retirement, shall be eligible to commute a percentage of his provisional pension (authorised under Rule 69 of Pension Rules) or the pension, <b>during the pendency of such proceedings<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 12,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"What is the maximum limit up to which a Government servant is entitled to commute his pension for a lump sum payment?\",\r\n    \"options\": [\r\n      \"One-third (33\u2153%) of his pension\",\r\n      \"One-fourth (25%) of his pension\",\r\n      \"Forty percent (40%) of his pension\",\r\n      \"Fifty percent (50%) of his pension\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 5(1) Limit on commutation of pension.<\/b> A Government servant shall be entitled to commute for a lump sum payment of an amount <b>not exceeding forty percent of his pension<\/b>. This limit was enhanced from the earlier 1\/3rd to 40% by amendment.\"\r\n  },\r\n  {\r\n    \"id\": 13,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"If the percentage of pension to be commuted results in a fraction of a rupee, such fraction shall be:\",\r\n    \"options\": [\r\n      \"Rounded up to the next rupee\",\r\n      \"Rounded to the nearest rupee\",\r\n      \"Ignored for the purpose of commutation\",\r\n      \"Paid as an ex-gratia amount\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 5(3).<\/b> If the percentage of pension to be commuted results in a fraction of a rupee, such <b>fraction of a rupee shall be ignored<\/b> for the purpose of commutation.\"\r\n  },\r\n  {\r\n    \"id\": 14,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"An applicant filing an application for commutation of pension may indicate the fraction of pension he desires to commute as:\",\r\n    \"options\": [\r\n      \"Only the maximum of 40% - no lower percentage is permissible\",\r\n      \"Either the maximum limit of 40% or any lower limit he may desire to commute\",\r\n      \"Any amount in rupees not exceeding \u20b96,000 per month\",\r\n      \"Only fixed slabs of 10%, 20%, 30% or 40%\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 5(2).<\/b> In an application for commutation in Form 1, Form 1-A or Form 2, an applicant shall indicate the <b>fraction of pension<\/b> (not the amount in rupees) which he desires to commute and may either indicate <b>the maximum limit of 40% of pension or such lower limit as he may desire<\/b> to commute.\"\r\n  },\r\n  {\r\n    \"id\": 15,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"For an applicant who applies for commutation after retirement within the one-year window in Form 1, the commutation becomes absolute on:\",\r\n    \"options\": [\r\n      \"The date of retirement\",\r\n      \"The date on which the application in Form 1 is received by the Head of Office\",\r\n      \"The date the Accounts Officer authorises payment\",\r\n      \"The date the commuted value is credited to the bank account\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 6(1)(i) Commutation of pension to become absolute.<\/b> In the case of an applicant referred to in sub-rule (1) of Rule 13, commutation becomes absolute on the <b>date on which the application in Form 1 is received by the Head of Office<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 16,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"For a Government servant applying for commutation in Form 1-A before the date of superannuation, the commutation becomes absolute on:\",\r\n    \"options\": [\r\n      \"The date the Form 1-A is received by the Head of Office\",\r\n      \"The date following the date of his retirement\",\r\n      \"Three months before the date of superannuation\",\r\n      \"The date on which the Pension Payment Order is issued\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 6(1)(i-a).<\/b> In case of pre-retirement applications for commutation under Form 1-A, commutation becomes absolute on <b>the date following the date of his retirement<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 17,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"For an applicant who is required to undergo medical examination for commutation of pension, the commutation becomes absolute on:\",\r\n    \"options\": [\r\n      \"The date of application in Form 2\",\r\n      \"The date on which the medical authority signs the medical report in Part III of Form 4\",\r\n      \"The date the Accounts Officer receives the medical report\",\r\n      \"The date the medical fee is deposited\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 6(1)(ii).<\/b> For applicants governed by Chapter IV (medical examination route), commutation becomes absolute on the <b>date on which the medical authority signs the medical report in Part III of Form 4<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 18,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"For a pensioner drawing pension from a treasury or Accounts Officer, the reduction in pension on account of commutation becomes operative from:\",\r\n    \"options\": [\r\n      \"The date commutation becomes absolute\",\r\n      \"Date of receipt of commuted value OR end of three months from issue of authority by the Accounts Officer, whichever is earlier\",\r\n      \"The date of retirement in all cases\",\r\n      \"Three months after the receipt of commuted value\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso (a) to Rule 6(1).<\/b> For applicants drawing pension from a treasury or Accounts Officer, the reduction shall be operative from the <b>date of receipt of commuted value<\/b> OR <b>end of three months after issue of authority by the Accounts Officer<\/b>, <b>whichever is earlier<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 19,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"For a pensioner drawing pension from a branch of a nationalised bank, the reduction in pension on account of commutation becomes operative from:\",\r\n    \"options\": [\r\n      \"The date commutation becomes absolute\",\r\n      \"The date on which the commuted value is credited by the bank to the applicant's account\",\r\n      \"Three months after the Accounts Officer authorises payment\",\r\n      \"The first day of the month following receipt of commuted value\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso (b) to Rule 6(1).<\/b> For applicants drawing pension from a branch of a nationalised bank, the reduction shall be operative from the <b>date on which the commuted value of pension is credited by the bank to the applicant's account<\/b> to which pension is being credited.\"\r\n  },\r\n  {\r\n    \"id\": 20,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"In the case of an applicant who applied in Form 1-A (pre-retirement) and whose commuted value becomes payable on the day following his retirement, the reduction in pension shall be:\",\r\n    \"options\": [\r\n      \"Operative only from the date commuted value is actually paid\",\r\n      \"Operative from its inception (i.e., the day following retirement)\",\r\n      \"Operative three months after retirement\",\r\n      \"Deferred until the applicant attains age 70\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso (c) to Rule 6(1).<\/b> Where the commuted value becomes payable on the day following retirement, the reduction in pension shall be operative <b>from its inception<\/b>. If payment could not be made within the first month of retirement, the difference of monthly pension between the day following retirement and the date preceding the deemed date of payment (under Rule 49 of CGA(R&P) Rules, 1983) shall be authorised by the Accounts Officer.\"\r\n  },\r\n  {\r\n    \"id\": 21,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"The date of payment\/credit of commuted value of pension is to be entered by the disbursing authority:\",\r\n    \"options\": [\r\n      \"Only in the pensioner's half of the Pension Payment Order\",\r\n      \"Only in the disbursing authority's own register\",\r\n      \"In both halves of the Pension Payment Order, under intimation to the Accounts Officer\",\r\n      \"Only in the Accounts Officer's records\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 6(3).<\/b> The date on which the commuted value of pension was paid to the applicant or credited to his account shall be entered in <b>both halves of the Pension Payment Order<\/b> by the disbursing authority <b>under intimation to the Accounts Officer<\/b> who authorised the payment.\"\r\n  },\r\n  {\r\n    \"id\": 22,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"The nomination conferring on one or more persons the right to receive the commuted value of pension (in case the applicant dies without receiving it) is made in:\",\r\n    \"options\": [\r\n      \"Form 1\",\r\n      \"Form 2\",\r\n      \"Form 4\",\r\n      \"Form 5\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 7(1) Nominations.<\/b> An applicant shall make a nomination in <b>Form 5<\/b> along with the application referred to in Rule 13 or Rule 19, conferring the right to receive the commuted value of pension in case the applicant dies without receiving it on or after the date commutation became absolute.\"\r\n  },\r\n  {\r\n    \"id\": 23,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"If there is no valid nomination or the nomination does not subsist, the commuted value of pension shall be paid to:\",\r\n    \"options\": [\r\n      \"The Consolidated Fund of India\",\r\n      \"The family in the manner indicated in sub-rule (1)(b) of Rule 51 of the Pension Rules\",\r\n      \"The Head of Office for future distribution\",\r\n      \"Only the eldest surviving child of the pensioner\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 7(2).<\/b> If there is no nomination or the nomination does not subsist, the commuted value shall be paid to the <b>family in the manner indicated in sub-rule (1)(b) of Rule 51<\/b> of the CCS (Pension) Rules, 1972. If payment cannot be made even thus, it shall be paid to his\/her heirs (Rule 7(3)).\"\r\n  },\r\n  {\r\n    \"id\": 24,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"The lump sum payable on commutation of pension is calculated in accordance with:\",\r\n    \"options\": [\r\n      \"The last pay drawn by the applicant\",\r\n      \"The average emoluments of the last 10 months\",\r\n      \"The Table of values prescribed from time to time, applicable on the date commutation becomes absolute\",\r\n      \"A fixed multiple of 12 of the pension amount\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 8 Calculation of commuted value of pension.<\/b> The lump sum payable shall be calculated in accordance with the <b>Table of values prescribed from time to time<\/b> and applicable to the applicant on the <b>date on which commutation becomes absolute<\/b>. The value is expressed as number of year's purchase based on age next birthday.\"\r\n  },\r\n  {\r\n    \"id\": 25,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"A Government servant sanctioned provisional pension pending assessment of final pension is eligible to commute:\",\r\n    \"options\": [\r\n      \"No portion of such provisional pension\",\r\n      \"Full provisional pension without limit\",\r\n      \"A fraction of such provisional pension subject to the 40% limit\",\r\n      \"Only after his final pension is assessed\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 9(1) Commutation of provisional pension.<\/b> A Government servant sanctioned provisional pension under Rule 64 of the Pension Rules shall be eligible to commute a <b>fraction of such provisional pension subject to the limit specified in Rule 5<\/b> (i.e., 40%).\"\r\n  },\r\n  {\r\n    \"id\": 26,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"An applicant desires to commute a percentage of his provisional pension which works out to an amount not exceeding \u20b96,000 p.m. But it is expected that on finalisation of final pension, the commutable amount would exceed \u20b96,000 p.m. His application shall be deemed to be:\",\r\n    \"options\": [\r\n      \"For commutation of an amount not exceeding \u20b96,000 p.m.\",\r\n      \"For commutation of an amount exceeding \u20b96,000 p.m. for the purpose of Rule 22\",\r\n      \"Invalid and to be rejected\",\r\n      \"For commutation without medical examination\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 9(3)(i).<\/b> Where the commutation of provisional pension works out to not exceed \u20b96,000 p.m. but is expected to exceed \u20b96,000 p.m. on determination of final pension, the application shall be deemed, for the purpose of Rule 22, to be for <b>commutation of amount exceeding \u20b96,000 p.m.<\/b> \u2014 thus attracting Medical Board examination rather than Civil Surgeon\/DMO.\"\r\n  },\r\n  {\r\n    \"id\": 27,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"An applicant commuted a percentage of provisional pension without indicating the possibility of exceeding \u20b96,000 p.m. on finalisation. On determination of final pension, he becomes entitled to commute only up to \u20b96,000 p.m. He shall:\",\r\n    \"options\": [\r\n      \"Undergo fresh Medical Board examination for the difference\",\r\n      \"Not be required to undergo medical examination for payment of the difference between the original commuted value and the subsequent commuted value\",\r\n      \"Apply afresh in Form 2\",\r\n      \"Forfeit any additional commutation\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 9(3)(ii)(b).<\/b> Where on determination of final pension the applicant becomes entitled to commute pension up to \u20b96,000 p.m., he shall <b>NOT be required to undergo medical examination<\/b> for payment of the difference between the commuted value of pension originally commuted and the pension commuted subsequently.\"\r\n  },\r\n  {\r\n    \"id\": 28,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"Where, on determination of final pension, the applicant becomes entitled to commute a sum exceeding \u20b96,000 p.m., he shall for commutation of pension exceeding \u20b9100 be required to:\",\r\n    \"options\": [\r\n      \"Automatically get the difference without medical examination\",\r\n      \"Apply afresh in Form 2\",\r\n      \"Apply in Form 1 only\",\r\n      \"Surrender the earlier commutation\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 9(3)(ii)(c).<\/b> If on determination of final pension the applicant becomes entitled to commute a sum exceeding \u20b96,000 p.m., he shall, for commutation of pension exceeding rupees one hundred, be required to <b>apply afresh in Form 2<\/b>. This triggers fresh medical examination.\"\r\n  },\r\n  {\r\n    \"id\": 29,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"An applicant has commuted a percentage of his final pension. His pension is subsequently revised and enhanced retrospectively as a result of Government's decision. For payment of the difference in commuted value:\",\r\n    \"options\": [\r\n      \"He must apply afresh in Form 2\",\r\n      \"He shall not be required to apply afresh; the difference shall be paid automatically\",\r\n      \"He must undergo fresh medical examination\",\r\n      \"The difference shall not be payable\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 10 Retrospective revision of final pension.<\/b> Where pension is revised and enhanced retrospectively, the applicant shall be paid the <b>difference between the commuted value determined with reference to enhanced pension and the commuted value already authorised<\/b>. For the payment of difference, <b>the applicant shall not be required to apply afresh<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 30,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"A pensioner had commuted a percentage of original pension not exceeding \u20b96,000 p.m. after being declared fit by a Civil Surgeon\/DMO. Upon retrospective enhancement, his pension now qualifies for commutation exceeding \u20b96,000 p.m. Which is correct?\",\r\n    \"options\": [\r\n      \"The entire enhanced commutation is allowed without any further medical examination\",\r\n      \"Difference up to \u20b96,000 p.m. worth of commutation is allowed without fresh medical examination; commutation beyond \u20b96,000 p.m. is treated as fresh commutation requiring Medical Board examination\",\r\n      \"No further commutation is permissible after retrospective enhancement\",\r\n      \"Only a Civil Surgeon's certificate is needed for the full enhanced commutation\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso to Rule 10.<\/b> Such an applicant is allowed the <b>difference between the commuted value of \u20b96,000 p.m. and the commuted value of the percentage of original pension without further medical examination<\/b>. Commutation of any further amount beyond \u20b96,000 p.m. shall be treated as <b>fresh commutation and allowed subject to examination by a Medical Board<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 31,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"The commuted portion of pension shall be restored on completion of:\",\r\n    \"options\": [\r\n      \"10 years from the date of retirement\",\r\n      \"12 years from the date of commutation\",\r\n      \"15 years from the date the reduction of pension on account of commutation becomes operative in accordance with Rule 6\",\r\n      \"20 years from the date of commutation\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 10A Restoration of Commuted Pension.<\/b> The commuted amount of pension shall be restored on completion of <b>fifteen years from the date the reduction of pension on account of commutation becomes operative<\/b> in accordance with Rule 6. This is based on the Supreme Court judgment in Common Cause v. Union of India.\"\r\n  },\r\n  {\r\n    \"id\": 32,\r\n    \"chapter\": \"Ch 2: General Conditions (Rules 4-10)\",\r\n    \"question\": \"Where commutation amount was paid on more than one occasion on account of upward revision of pension, the respective commuted amount of pension shall be restored:\",\r\n    \"options\": [\r\n      \"All at once 15 years after the first commutation\",\r\n      \"On completion of 15 years from the respective date(s) of each payment\",\r\n      \"After 20 years from the first commutation\",\r\n      \"Only on attainment of 80 years of age\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso to Rule 10A.<\/b> When the commutation amount was paid on more than one occasion on account of upward revision of pension, the respective commuted amount of pension shall be restored on <b>completion of fifteen years from the respective date(s)<\/b> of each payment.\"\r\n  },\r\n  {\r\n    \"id\": 33,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"The provisions of Chapter III (commutation without medical examination) apply to an applicant who is authorised which of the following pensions?\",\r\n    \"options\": [\r\n      \"Invalid pension under Rule 38 of Pension Rules\",\r\n      \"Family pension\",\r\n      \"Superannuation pension, retiring pension, compensation pension on abolition of permanent post, pension on absorption (electing monthly pension + gratuity), and pension after finalisation of proceedings\",\r\n      \"Only superannuation pension\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 12 Eligibility.<\/b> Commutation without medical examination is available for: (i) <b>superannuation pension<\/b> (Rule 35), (ii) <b>retiring pension<\/b> (Rule 36), (iii) <b>pension on absorption<\/b> (Rule 37) - if monthly pension + gratuity elected, (iv) <b>compensation pension<\/b> on abolition of permanent post (Rule 39), and (v) <b>pension (whole\/part) on finalisation of departmental\/judicial proceedings<\/b> (Rule 9). Invalid pension and family pension are not eligible here.\"\r\n  },\r\n  {\r\n    \"id\": 34,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"A pensioner granted pension on absorption in a corporation, company or body is eligible for commutation without medical examination ONLY if he:\",\r\n    \"options\": [\r\n      \"Elects to receive a lump sum in lieu of monthly pension\",\r\n      \"Elects to receive monthly pension AND retirement gratuity\",\r\n      \"Surrenders his claim to retirement gratuity\",\r\n      \"Has put in at least 30 years of qualifying service\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 12(iii).<\/b> An applicant granted pension on absorption in\/under a corporation\/company\/body in terms of Rule 37 of the Pension Rules is eligible for commutation without medical examination only if he <b>elects to receive monthly pension AND retirement gratuity<\/b>. Those who opted for lump sum in lieu of monthly pension are not covered.\"\r\n  },\r\n  {\r\n    \"id\": 35,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"For the purpose of eligibility for commutation without medical examination, 'pension' referred to in clauses (i), (ii) and (iv) of Rule 12 shall include:\",\r\n    \"options\": [\r\n      \"Extraordinary pension\",\r\n      \"Provisional pension sanctioned under Rule 64 of the Pension Rules\",\r\n      \"Family pension\",\r\n      \"Compassionate allowance\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Note to Rule 12.<\/b> Pension referred to in clauses (i) superannuation, (ii) retiring, and (iv) compensation pension shall include the <b>provisional pension sanctioned under Rule 64 of the Pension Rules<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 36,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"An applicant desiring to commute a percentage of pension without medical examination shall ensure that the application in Form 1 is delivered to the Head of Office:\",\r\n    \"options\": [\r\n      \"As early as possible but not later than six months of the date of retirement\",\r\n      \"As early as possible but not later than one year of the date of retirement\",\r\n      \"Within two years of the date of retirement\",\r\n      \"Before the date of retirement\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 13(1)(b).<\/b> The application in Form 1, duly completed, must be delivered to the Head of Office <b>as early as possible but not later than one year of the date of retirement<\/b>. After one year, medical examination becomes mandatory.\"\r\n  },\r\n  {\r\n    \"id\": 37,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"In the case of a Government servant granted pension on absorption (under Rule 37 of Pension Rules) where retirement orders were issued with retrospective effect, the one-year period for applying for commutation shall be reckoned from:\",\r\n    \"options\": [\r\n      \"The retrospective date of retirement\",\r\n      \"The date of issue of the retirement orders\",\r\n      \"The date of first receipt of pension\",\r\n      \"The date on which absorption was finalised\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso (a) to Rule 13(1).<\/b> Where the order retiring the Government servant had been issued from a retrospective date, the one-year period shall reckon from <b>the date of issue of the retirement orders<\/b> \u2014 not the retrospective date of retirement itself.\"\r\n  },\r\n  {\r\n    \"id\": 38,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"For an applicant whose pension is released after finalisation of departmental or judicial proceedings, the one-year period for applying for commutation without medical examination is reckoned from:\",\r\n    \"options\": [\r\n      \"The date of his retirement\",\r\n      \"The date of issue of orders consequent on finalisation of the departmental\/judicial proceedings\",\r\n      \"The date of initiation of the proceedings\",\r\n      \"The date of first receipt of provisional pension\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso (b) to Rule 13(1).<\/b> For applicants referred to in clause (v) of Rule 12, the one-year period is reckoned from <b>the date of issue of orders consequent on finalisation of the departmental or judicial proceedings<\/b> \u2014 not from the date of retirement.\"\r\n  },\r\n  {\r\n    \"id\": 39,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"An applicant applies for commutation within one year of retirement, but his Form 1 application is received by the Head of Office after one year of retirement. He:\",\r\n    \"options\": [\r\n      \"Is still eligible to commute without medical examination\",\r\n      \"Is barred from commuting any portion of pension\",\r\n      \"Is not eligible without medical examination; must apply afresh in Form 2 for commutation with medical examination\",\r\n      \"Gets an automatic six-month extension\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 13(2).<\/b> An applicant whose Form 1 is received by the Head of Office after one year of retirement shall <b>not be eligible to commute without medical examination<\/b>. Such applicant, if he still desires to commute, shall <b>apply afresh in Form 2<\/b> as per procedure in Chapter IV.\"\r\n  },\r\n  {\r\n    \"id\": 40,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"A Government servant due to retire on superannuation who desires the commuted value to be authorised at the time of issue of Pension Payment Order must submit Form 1-A:\",\r\n    \"options\": [\r\n      \"Within one month after retirement\",\r\n      \"At least three months before the date of superannuation\",\r\n      \"At least six months before the date of superannuation\",\r\n      \"At least one year before the date of superannuation\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 13(3)(b).<\/b> The application in Form 1-A must reach the Head of Office <b>not later than three months before the date of superannuation<\/b>. Rule 13(3)(c) further provides that no such application shall be entertained if the period is <b>less than three months<\/b> from the date of superannuation.\"\r\n  },\r\n  {\r\n    \"id\": 41,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"The pre-retirement commutation facility (Form 1-A, commutation along with pension papers) is available only to a Government servant who:\",\r\n    \"options\": [\r\n      \"Is retiring on voluntary retirement\",\r\n      \"Is retiring on superannuation pension only\",\r\n      \"Is retiring on invalid pension\",\r\n      \"Is retiring on compulsory retirement as penalty\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 13(3)(a).<\/b> Pre-retirement commutation (Form 1-A) is available only if the Government servant <b>retires on superannuation pension only<\/b>. Voluntary, invalid, compulsory or other types of retirement do not qualify for this route.\"\r\n  },\r\n  {\r\n    \"id\": 42,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"If a Government servant who applied in Form 1-A dies before the date of superannuation or forfeits his claim to pension before such retirement, the Government's liability for the commuted value is:\",\r\n    \"options\": [\r\n      \"Full commuted value payable to family\",\r\n      \"Half commuted value payable to nominee\",\r\n      \"Nil \u2014 Government has no liability for payment of commuted value\",\r\n      \"Commuted value is paid as part of death gratuity\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 13(3)(d).<\/b> The <b>Government shall have no liability for the payment of the commuted value of pension<\/b> if the Government servant dies before the date of superannuation or forfeits claim to pension before such retirement.\"\r\n  },\r\n  {\r\n    \"id\": 43,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"On receipt of an application in Form 1 or Form 1-A, the Head of Office shall acknowledge the receipt to the applicant by completing:\",\r\n    \"options\": [\r\n      \"Part I of the Form\",\r\n      \"Part II of the Form\",\r\n      \"Part III of the Form\",\r\n      \"Part IV of the Form\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 14(1)(b).<\/b> The Head of Office shall immediately <b>acknowledge receipt of Form 1 or Form 1-A in Part II of that Form<\/b> and dispatch the same to the applicant. Part III is completed and forwarded to the Accounts Officer (retaining one copy) under Rule 14(1)(c).\"\r\n  },\r\n  {\r\n    \"id\": 44,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"After receiving Form 1, the Head of Office completes which Part of the Form and forwards it to the Accounts Officer?\",\r\n    \"options\": [\r\n      \"Part I\",\r\n      \"Part II\",\r\n      \"Part III\",\r\n      \"Part IV\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 14(1)(c).<\/b> The Head of Office shall take immediate action to complete <b>Part III<\/b> of Form 1 or Form 1-A and forward the same to the Accounts Officer, retaining one copy for his record.\"\r\n  },\r\n  {\r\n    \"id\": 45,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"Where Form 1 is received by the Head of Office after the expiry of one year from retirement, the Head of Office shall:\",\r\n    \"options\": [\r\n      \"Reject the application without any communication\",\r\n      \"Forward it to the Accounts Officer without comments\",\r\n      \"Inform the applicant that he is not eligible to commute without medical examination and advise him to apply afresh in Form 2 for medical examination procedure\",\r\n      \"Forward the application to the CAT\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 14(2).<\/b> When Form 1 is received after one year of retirement, the Head of Office shall inform the applicant that: (a) he shall <b>not be eligible to commute without medical examination<\/b>; and (b) if he desires to commute, he should <b>apply afresh in Form 2<\/b> so that medical examination arrangements can be made as per Chapter IV.\"\r\n  },\r\n  {\r\n    \"id\": 46,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"On receipt of Form 1 from the Head of Office, the Accounts Officer is required to verify all of the following EXCEPT:\",\r\n    \"options\": [\r\n      \"Whether information furnished by the Head of Office in Part III of Form 1 is correct\",\r\n      \"Whether the applicant is eligible to commute without medical examination\",\r\n      \"Whether the commuted value has been correctly determined by the Head of Office\",\r\n      \"Whether the applicant has obtained a medical fitness certificate from a Civil Surgeon\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 15(1).<\/b> The Accounts Officer shall verify (a) <b>correctness of information in Part III<\/b>; (b) <b>eligibility of the applicant to commute without medical examination<\/b>; and (c) <b>correctness of the commuted value determined<\/b>. Medical fitness certificate is NOT required since this chapter deals with commutation without medical examination.\"\r\n  },\r\n  {\r\n    \"id\": 47,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"After verification, the Accounts Officer shall issue authority for payment of commuted value and also:\",\r\n    \"options\": [\r\n      \"Credit the amount directly to the applicant's bank account\",\r\n      \"Draw the attention of the disbursing authority to the proviso to sub-rule (1) of Rule 6 for reduction of pension, and endorse a copy of the authority to the applicant\",\r\n      \"Remit the amount through postal money order\",\r\n      \"Send cheque directly to the pensioner's address\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 15(2).<\/b> The Accounts Officer shall (a) <b>issue authority to the disbursing authority<\/b> for payment; (b) <b>draw the attention of the disbursing authority to the proviso to sub-rule (1) of Rule 6<\/b> so entry in PPO can be made regarding reduction date; (c) <b>endorse to the applicant a copy of the authority<\/b> with instructions to collect the commuted value from the disbursing authority.\"\r\n  },\r\n  {\r\n    \"id\": 48,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"In Form 1-A cases, the Accounts Officer is required to finalise the amount of pension and issue the Pension Payment Order:\",\r\n    \"options\": [\r\n      \"On the date of retirement\",\r\n      \"One month before the date of retirement of the applicant\",\r\n      \"Three months before retirement\",\r\n      \"Within six months after retirement\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 15(3)(a).<\/b> On receipt of Form 1-A, the Accounts Officer shall ascertain and verify if the superannuation pension has been calculated and, if not, take steps to finalise the pension amount so that the <b>Pension Payment Order is issued one month before the date of retirement<\/b> of the applicant.\"\r\n  },\r\n  {\r\n    \"id\": 49,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"In Form 1-A commutation cases, the cheque\/draft of commuted value handed over to the pensioner by the Head of Office is superscribed:\",\r\n    \"options\": [\r\n      \"Payable on the date of retirement\",\r\n      \"Not payable before the date following the date of retirement\",\r\n      \"Payable immediately on receipt\",\r\n      \"Payable only on production of LPC\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 15(3)(b)(i)(a).<\/b> The Accounts Officer shall authorise the Head of Office to draw the amount of commuted value of pension and hand over the cheque\/draft <b>superscribed 'Not payable before the......' (date following the date of retirement)<\/b> to the pensioner.\"\r\n  },\r\n  {\r\n    \"id\": 50,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"Under Rule 15(3), which of the following details is NOT required to be indicated in both halves of the Pension Payment Order in a Form 1-A case?\",\r\n    \"options\": [\r\n      \"Gross pension\",\r\n      \"Amount of pension commuted\",\r\n      \"Fact that commuted value has been authorised separately through the Drawing and Disbursing Officer\",\r\n      \"Name of the medical authority which examined the applicant\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 15(3)(b)(i)(b).<\/b> The Accounts Officer shall indicate in both halves of the PPO: (1) <b>gross pension<\/b>; (2) <b>amount of pension commuted<\/b>; and (3) <b>fact that commuted value has been authorised separately through the DDO<\/b>. Medical authority details are not part of this chapter (no medical examination occurs in Form 1-A cases).\"\r\n  },\r\n  {\r\n    \"id\": 51,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"Where a Government servant sanctioned provisional pension under Rule 64 of Pension Rules applies for commutation of provisional pension in Form 1, the Head of Office shall:\",\r\n    \"options\": [\r\n      \"Reject the application as commutation of provisional pension is not permitted\",\r\n      \"Request the Accounts Officer to verify the correctness of provisional pension amount and commuted value, and forward duly completed pension papers if not already forwarded\",\r\n      \"Wait until final pension is assessed before taking any action\",\r\n      \"Directly authorise payment without Accounts Officer verification\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 16(1).<\/b> The Head of Office shall (a) take action as in sub-rule (1) of Rule 14 and <b>forward Form 1 to the Accounts Officer along with duly completed pension papers<\/b> if not already forwarded; and (b) <b>request the Accounts Officer to verify the correctness of the provisional pension amount and the commuted value<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 52,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"In case of commutation of provisional pension under Rule 16, the commuted value is paid to the applicant by:\",\r\n    \"options\": [\r\n      \"The Accounts Officer directly\",\r\n      \"The treasury\",\r\n      \"The Head of Office (who draws and disburses the amount under intimation to Accounts Officer)\",\r\n      \"The bank branch\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 16(3)(a) and 16(4).<\/b> The Accounts Officer issues authority for payment of commuted value of pension <b>to the Head of Office<\/b> with remarks that the commuted value may be drawn and disbursed to the applicant. The <b>Head of Office draws the amount and disburses it to the applicant under intimation to the Accounts Officer<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 53,\r\n    \"chapter\": \"Ch 3: Commutation Without Medical Examination (Rules 11-16)\",\r\n    \"question\": \"On final assessment of pension in a case where commutation of provisional pension has already been paid, the Accounts Officer shall:\",\r\n    \"options\": [\r\n      \"Recover the entire commuted value and ask the applicant to apply afresh\",\r\n      \"Issue authority to the disbursing authority for payment of the difference between the commuted value so determined and the commuted value already paid\",\r\n      \"Freeze further pension payments until reconciliation\",\r\n      \"Refer the case to the Ministry of Finance\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 16(5)(a).<\/b> The Accounts Officer on final assessment of pension shall <b>issue authority to the disbursing authority for payment of the difference between the commuted value so determined and the commuted value already paid by the Head of Office<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 54,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"Which of the following applicants is eligible to commute a percentage of pension ONLY after medical examination?\",\r\n    \"options\": [\r\n      \"A Government servant retiring on superannuation pension who applies in Form 1-A three months before retirement\",\r\n      \"A Government servant retiring on invalid pension under Rule 38 of Pension Rules\",\r\n      \"A Government servant retiring on retiring pension who applies within one year of retirement\",\r\n      \"A Government servant retiring on compensation pension on abolition of permanent post\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 18 Eligibility (with medical examination).<\/b> Medical examination is required for applicants retiring on <b>invalid pension under Rule 38<\/b>, compulsorily retired as penalty (Rule 40), in receipt of compassionate allowance (Rule 41), or those who retired on any Rule 12 pension but whose application was NOT received within one year of retirement.\"\r\n  },\r\n  {\r\n    \"id\": 55,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"A Government servant compulsorily retired from service as penalty and granted pension under which Rule of the Pension Rules requires medical examination for commutation?\",\r\n    \"options\": [\r\n      \"Rule 35\",\r\n      \"Rule 36\",\r\n      \"Rule 38\",\r\n      \"Rule 40\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 18(iii).<\/b> An applicant who is compulsorily retired from service as penalty and granted pension under <b>Rule 40 of the Pension Rules<\/b> is eligible to commute a percentage of pension only after being declared fit by the appropriate medical authority.\"\r\n  },\r\n  {\r\n    \"id\": 56,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"A pensioner in receipt of compassionate allowance under Rule 41 of the Pension Rules seeking commutation of pension must:\",\r\n    \"options\": [\r\n      \"Apply in Form 1 within one year and no medical examination is required\",\r\n      \"Apply in Form 1-A three months before retirement\",\r\n      \"Apply in Form 2 and undergo medical examination before being declared fit\",\r\n      \"Not apply at all as compassionate allowance cannot be commuted\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 18(iv) read with Rule 19.<\/b> An applicant in receipt of compassionate allowance under Rule 41 of the Pension Rules shall apply in <b>Form 2<\/b> and is eligible to commute a percentage of his pension subject to the 40% limit <b>only after he has been declared fit by the appropriate medical authority<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 57,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"An applicant who retired on superannuation\/retiring\/compensation pension (otherwise eligible under Rule 12) but whose application was NOT received within one year of retirement shall:\",\r\n    \"options\": [\r\n      \"Be treated as time-barred and disqualified\",\r\n      \"Be eligible to commute only with medical examination, by applying in Form 2\",\r\n      \"Automatically get commutation without any further procedure\",\r\n      \"Be required to apply only after completing 10 years of pensionary service\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 18(v).<\/b> An applicant who retired on a Rule 12 pension but whose application for commutation was not received by the Head of Office within one year of his retirement shall be eligible to commute a percentage of pension <b>subject to the limit in Rule 5<\/b> only <b>after being declared fit by the appropriate medical authority<\/b> \u2014 by applying in Form 2.\"\r\n  },\r\n  {\r\n    \"id\": 58,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"An applicant required to undergo medical examination shall apply to the Head of Office for commutation of pension in:\",\r\n    \"options\": [\r\n      \"Form 1\",\r\n      \"Form 1-A\",\r\n      \"Form 2\",\r\n      \"Form 4\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 19.<\/b> An applicant referred to in Rule 18 shall apply to the Head of Office in <b>Form 2<\/b> for commutation of a percentage of his pension including provisional pension sanctioned under Rule 64 of the Pension Rules.\"\r\n  },\r\n  {\r\n    \"id\": 59,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"On receipt of Form 2, the Head of Office forwards the Form to the Accounts Officer for completion of which Part?\",\r\n    \"options\": [\r\n      \"Part I\",\r\n      \"Part II\",\r\n      \"Part III\",\r\n      \"Part IV\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 20(1)(b).<\/b> The Head of Office shall forward Form 2 in original to the Accounts Officer in Part III of that Form with the request that <b>Part IV of that Form may be completed immediately<\/b> and returned so that action for getting the applicant examined by the appropriate medical authority is taken.\"\r\n  },\r\n  {\r\n    \"id\": 60,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"In addressing the Chief Administrative Medical Authority (Form 3), the Head of Office is required to forward, among other documents, how many copies of the applicant's photograph?\",\r\n    \"options\": [\r\n      \"One copy (attested)\",\r\n      \"Two copies, of which one shall be attested\",\r\n      \"Three copies, all attested\",\r\n      \"Four copies, all unattested\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 20(3)(ii).<\/b> The Head of Office shall forward to the Chief Administrative Medical Authority <b>two copies of the applicant's photograph of which one shall be an attested copy<\/b>, along with Form 2 (Part IV completed), a copy of Form 4 with a spare copy of Part III, and report\/statement of applicant's case (if applicable).\"\r\n  },\r\n  {\r\n    \"id\": 61,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"While fixing the date of medical examination by the medical authority, it shall be ensured that:\",\r\n    \"options\": [\r\n      \"Medical examination is held as far as possible before the date of applicant's next birthday\",\r\n      \"Medical examination is held on the applicant's birthday\",\r\n      \"Medical examination is held within 30 days of application\",\r\n      \"Medical examination is held after completion of one year from retirement\"\r\n    ],\r\n    \"correct\": 0,\r\n    \"explanation\": \"<b>Rule 21(2).<\/b> In fixing the date of medical examination, it shall be ensured that the medical examination is held <b>as far as possible, before the date of applicant's next birthday<\/b>. This is because the commutation value in the Table depends on 'age next birthday'.\"\r\n  },\r\n  {\r\n    \"id\": 62,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"In which of the following cases shall the medical authority MANDATORILY be a Medical Board?\",\r\n    \"options\": [\r\n      \"An applicant seeking commutation of invalid pension\",\r\n      \"An applicant seeking commutation where amount of pension to be commuted (with previous commutations) exceeds \u20b96,000 p.m.\",\r\n      \"An applicant refused commutation earlier on medical grounds, or who declined commutation on basis of addition of years to actual age and is seeking re-examination\",\r\n      \"All of the above\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 22(1).<\/b> The medical authority shall be a <b>Medical Board<\/b> where the applicant: (a) seeks commutation of <b>invalid pension<\/b>; (b) seeks commutation where amount of pension to be commuted (together with previous commutations) <b>exceeds \u20b96,000 per mensem<\/b>; or (c) has been <b>refused commutation on medical grounds<\/b>, or having declined commutation on addition of years to actual age, applies for second medical examination.\"\r\n  },\r\n  {\r\n    \"id\": 63,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"In cases not covered by sub-rule (1) of Rule 22 (i.e., non-Medical Board cases), the medical authority shall be:\",\r\n    \"options\": [\r\n      \"A Medical Officer not lower in status than a Civil Surgeon or a District Medical Officer\",\r\n      \"Any registered medical practitioner\",\r\n      \"A Medical Officer of Central Government Health Scheme only\",\r\n      \"The Head of Office acting as medical authority\"\r\n    ],\r\n    \"correct\": 0,\r\n    \"explanation\": \"<b>Rule 22(2).<\/b> In cases not covered by sub-rule (1), the medical authority shall be a <b>Medical Officer not lower in status than that of a Civil Surgeon or a District Medical Officer<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 64,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"The fee for medical examination for commutation of pension shall be borne by:\",\r\n    \"options\": [\r\n      \"The Central Government\",\r\n      \"The Department of Pension and Pensioners' Welfare\",\r\n      \"The applicant\",\r\n      \"The Medical Board\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 23 Fee for medical examination to be borne by the applicant.<\/b> The applicant shall be required to pay for medical examination such fee as may be specified by the Central Government.\"\r\n  },\r\n  {\r\n    \"id\": 65,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"If an applicant, after receiving communication for medical examination, fails to appear before the medical authority without reasonable ground, the consequence is:\",\r\n    \"options\": [\r\n      \"A fresh date is fixed automatically\",\r\n      \"The medical authority reports the fact to the Head of Office and returns the documents; the application for commutation shall be treated as having been withdrawn\",\r\n      \"The application is kept pending for one year\",\r\n      \"An ex-parte medical report is prepared\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 24.<\/b> If the applicant fails to appear for medical examination on the date communicated and there is no reasonable ground, the medical authority shall report the fact to the Head of Office and return the documents. Thereupon, <b>the application for commutation shall be treated as having been withdrawn<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 66,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"During the procedure for medical examination, the statement signed by the applicant is recorded in:\",\r\n    \"options\": [\r\n      \"Part I of Form 4\",\r\n      \"Part II of Form 4\",\r\n      \"Part III of Form 4\",\r\n      \"Part IV of Form 4\"\r\n    ],\r\n    \"correct\": 0,\r\n    \"explanation\": \"<b>Rule 25(1)(a).<\/b> The medical authority shall obtain from the applicant <b>a statement in Part I of Form 4<\/b>, duly signed by the applicant in its presence. Part II contains physical examination findings by the medical authority, and Part III contains the medical authority's opinion\/certificate.\"\r\n  },\r\n  {\r\n    \"id\": 67,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"The medical authority's certificate of fitness for commutation is contained in which Part of Form 4?\",\r\n    \"options\": [\r\n      \"Part I\",\r\n      \"Part II\",\r\n      \"Part III\",\r\n      \"Part IV\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 25(1)(d).<\/b> The medical authority shall complete the <b>certificate contained in Part III of Form 4<\/b>. A certified copy of Part III of Form 4 is sent to the applicant under Rule 25(3).\"\r\n  },\r\n  {\r\n    \"id\": 68,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"Before completing the certificate in Part III of Form 4, the medical authority must consider the applicant's medical case statement in which of the following situations?\",\r\n    \"options\": [\r\n      \"Applicant has been granted invalid pension\",\r\n      \"Applicant has previously commuted a part of his pension\",\r\n      \"Applicant has been refused commutation on medical grounds, or declined commutation on addition of years to actual age\",\r\n      \"All of the above situations\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Proviso to Rule 25(1).<\/b> Where (i) applicant has been granted invalid pension, (ii) previously commuted part of pension, (iii) refused commutation on medical grounds, or (iv) had declined commutation on basis of addition of years to actual age \u2014 the medical authority shall, before completing the certificate in Part III of Form 4, <b>take into consideration the statement of the medical case of the applicant<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 69,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"After medical examination, the medical authority forwards Form 2 (original), attested photograph, and Form 4 (original) to the:\",\r\n    \"options\": [\r\n      \"Head of Office\",\r\n      \"Accounts Officer who has already completed Part IV of Form 2\",\r\n      \"Chief Administrative Medical Authority\",\r\n      \"Department of Pension and Pensioners' Welfare\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 25(2).<\/b> The medical authority shall without delay forward to the <b>Accounts Officer<\/b> (who has already completed Part IV of Form 2): (a) Form 2 in original, (b) attested copy of photograph, (c) Form 4 in original. A <b>certified copy of Form 4<\/b> goes to the Head of Office (who countersigned Part IV of Form 2).\"\r\n  },\r\n  {\r\n    \"id\": 70,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"A second medical examination (on desire of the applicant who was earlier refused commutation on medical grounds or had declined commutation on addition of years) shall take place after the expiry of a period of not less than:\",\r\n    \"options\": [\r\n      \"Six months from the date of first medical examination\",\r\n      \"One year from the date of first medical examination\",\r\n      \"Two years from the date of first medical examination\",\r\n      \"Three years from the date of first medical examination\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 26(1).<\/b> Subject to the provisions of Rule 27 (appeal), the medical examination in the case of an applicant referred to in clause (c) of sub-rule (1) of Rule 22 shall take place <b>after the expiry of a period of not less than one year from the date of the first medical examination<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 71,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"If the applicant desires re-examination under Rule 26(2) after one year, the second examination shall be:\",\r\n    \"options\": [\r\n      \"By a Civil Surgeon at Government expense\",\r\n      \"By a Medical Board at the applicant's own expense\",\r\n      \"By a Medical Board at Government expense\",\r\n      \"By any registered medical practitioner chosen by the applicant\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 26(2).<\/b> If the applicant desires to be re-examined on expiry of one year, the examination shall be by a <b>Medical Board at his own expense<\/b>. He shall address a letter to the Head of Office indicating previous medical authority, date, place, opinion, date of birth, date of retirement, designation, pension amount, and percentage of pension applied for commutation.\"\r\n  },\r\n  {\r\n    \"id\": 72,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"If on re-examination under Rule 26 the applicant becomes eligible to commute the originally-applied percentage of pension, the commuted value shall be determined with reference to the Commutation Table appended to the Central Civil Services (Commutation of Pension) Rules, 1981:\",\r\n    \"options\": [\r\n      \"Applicable on the date of retirement\",\r\n      \"Applicable on the date the first medical authority recorded its opinion\",\r\n      \"Applicable on the date the Medical Board recorded its opinion in the second examination\",\r\n      \"Applicable on the date of original application\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 26(7).<\/b> If as a result of the Medical Board's opinion the applicant becomes eligible to commute the originally-applied percentage of pension, the Head of Office shall determine the commuted value <b>with reference to the Table applicable on the date the Medical Board recorded its opinion<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 73,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"An applicant who feels that the medical authority committed an error of judgement in refusing commutation on medical grounds or in adding years to his actual age may prefer an appeal by addressing a letter to the Head of Office, within:\",\r\n    \"options\": [\r\n      \"One week of receipt of certified copy of Part III of Form 4\",\r\n      \"One month of receipt of certified copy of Part III of Form 4\",\r\n      \"Three months of receipt of certified copy of Part III of Form 4\",\r\n      \"Six months of receipt of certified copy of Part III of Form 4\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 27(1).<\/b> Notwithstanding anything in Rule 26, an applicant may, <b>within one month of receipt of the certified copy of Part III of Form 4<\/b> from the medical authority, prefer an appeal by addressing a letter to the Head of Office requesting review by another medical authority at his own expense.\"\r\n  },\r\n  {\r\n    \"id\": 74,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"In an appeal under Rule 27, if the applicant was previously examined by a Medical Board, the re-examination shall be by:\",\r\n    \"options\": [\r\n      \"The same Medical Board\",\r\n      \"A Civil Surgeon or District Medical Officer\",\r\n      \"A second Medical Board, the members of which shall be different from those of the first Medical Board\",\r\n      \"A single senior specialist\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 27(2)(ii).<\/b> If the applicant was previously examined by a Medical Board, he shall be re-examined by <b>a second Medical Board, the members of which shall be different from those of the first Medical Board<\/b>. If earlier examined by a Civil Surgeon\/DMO, re-examination shall be by a Medical Board (Rule 27(2)(i)).\"\r\n  },\r\n  {\r\n    \"id\": 75,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"In an appeal under Rule 27, the findings of the (second) Medical Board shall be:\",\r\n    \"options\": [\r\n      \"Subject to further appeal to the Central Government\",\r\n      \"Binding on the applicant\",\r\n      \"Only advisory in nature\",\r\n      \"Valid only for six months\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 27(6).<\/b> The Medical Board shall examine the applicant and record its opinion on whether the earlier opinion needs no revision\/modification or needs revision\/modification, and communicate the same to the Head of Office. The <b>findings of the Medical Board shall be binding on the applicant<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 76,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"If the second Medical Board (on appeal) sets aside or modifies the opinion of the first medical authority, the findings of the Medical Board shall be deemed to have come into force on:\",\r\n    \"options\": [\r\n      \"The date of the second examination\",\r\n      \"The date on which the first medical authority recorded its opinion\",\r\n      \"The date of appeal letter\",\r\n      \"The date of retirement\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 27(7).<\/b> If the Medical Board sets aside or modifies the opinion of the first medical authority, the <b>finding of the Medical Board shall be deemed to have come into force on the date on which the first medical authority recorded its opinion<\/b>, and the applicant's commutation claim shall be settled accordingly.\"\r\n  },\r\n  {\r\n    \"id\": 77,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"The appeal provisions of Rule 27 do NOT apply to an applicant in whose case:\",\r\n    \"options\": [\r\n      \"The medical authority directed that the applicant's age be assumed greater than actual age, and the applicant received the commuted value with reference to the enhanced age\",\r\n      \"The medical authority refused commutation on medical grounds\",\r\n      \"The applicant was examined by a Medical Board\",\r\n      \"The applicant is under compassionate allowance\"\r\n    ],\r\n    \"correct\": 0,\r\n    \"explanation\": \"<b>Rule 27(8).<\/b> Nothing in Rule 27 shall apply to an applicant in whose case the medical authority, as a result of the first medical examination, had <b>directed that the applicant's age for the purpose of commutation should be assumed to be greater than his actual age<\/b>, and the <b>applicant received the commuted value with reference to the enhanced age<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 78,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"An applicant may withdraw his application for commutation by written notice to the Head of Office:\",\r\n    \"options\": [\r\n      \"At any time even after appearing before the medical authority\",\r\n      \"At any time before subjecting himself to medical examination, but in no case after he has appeared before such authority\",\r\n      \"Only within 7 days of applying\",\r\n      \"Only after final medical report is issued\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 28(1) Withdrawal of application.<\/b> The applicant may, after giving notice in writing to the Head of Office, withdraw his application <b>at any time before subjecting himself to medical examination<\/b> before the medical authority but <b>in no case after he has appeared before such authority<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 79,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"If the medical authority directs that the applicant's age for the purpose of commutation be assumed greater than actual age, the applicant may withdraw his application or request reduction in amount of commutation, by giving notice in writing:\",\r\n    \"options\": [\r\n      \"Within 7 days of receiving certified copy of Part III of Form 4\",\r\n      \"Within 14 days of receiving certified copy of Part III of Form 4\",\r\n      \"Within 30 days of receiving certified copy of Part III of Form 4\",\r\n      \"At any time without limit\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 28(2).<\/b> Where the medical authority directs that the applicant's age be assumed greater than actual age, the applicant may, <b>within fourteen days from the date on which he receives the certified copy of Part III of Form 4<\/b>, either (a) withdraw his application, or (b) request reduction of the amount of pension already applied for commutation to an amount indicated by him \u2014 endorsing a copy of notice to the Accounts Officer.\"\r\n  },\r\n  {\r\n    \"id\": 80,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"If a request for withdrawal (in case of enhanced age direction) is not made by the applicant within the prescribed 14 days, it shall be presumed that:\",\r\n    \"options\": [\r\n      \"The applicant has rejected the findings and wishes to appeal\",\r\n      \"The applicant has accepted the findings of the medical authority and the Accounts Officer shall authorise payment of commuted value of pension\",\r\n      \"The applicant's case is time-barred\",\r\n      \"A Medical Board shall re-examine the applicant\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 28(3).<\/b> Where a request for withdrawal has not been made within the 14-day period specified in Rule 28(2)(a), it shall be <b>presumed that the applicant has accepted the findings of the medical authority<\/b>, and the Accounts Officer shall take action to authorise payment of commuted value of pension.\"\r\n  },\r\n  {\r\n    \"id\": 81,\r\n    \"chapter\": \"Ch 4: Commutation With Medical Examination (Rules 17-28)\",\r\n    \"question\": \"If the applicant is informed by the Accounts Officer that on account of modification of the Commutation Table, the commuted value payable will be LESS favourable than the value communicated earlier in Form 3, he may withdraw his application by written notice within:\",\r\n    \"options\": [\r\n      \"7 days\",\r\n      \"14 days from the date of receipt of intimation of such modification\",\r\n      \"30 days\",\r\n      \"60 days\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 28(5) read with Rule 29(2).<\/b> Where modified Table yields less favourable commuted value, the Accounts Officer shall inform the applicant of the revised value and of provisions of Rule 28(5). The applicant may withdraw his application by written notice to the Accounts Officer (copy to Head of Office) <b>within fourteen days from the date on which he receives intimation of such modification<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 82,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"If the value specified in the Commutation Table appended to the Central Civil Services (Commutation of Pension) Rules, 1981 is modified at any time before the commutation becomes absolute in a case governed by medical examination, the payment shall be made:\",\r\n    \"options\": [\r\n      \"In accordance with the original Table\",\r\n      \"In accordance with the value as modified\",\r\n      \"At the average of old and new values\",\r\n      \"At the higher of the two values\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 29(1) Modification in the value specified in the Table.<\/b> In case the value specified in the Table is modified at any time before the commutation becomes absolute in terms of clause (ii) of sub-rule (1) of Rule 6, the payment shall be made <b>in accordance with the value so modified<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 83,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Where the commuted value with reference to the modified Table is LESS favourable, the Accounts Officer shall:\",\r\n    \"options\": [\r\n      \"Still make payment at the modified value without any intimation\",\r\n      \"Inform the applicant of the revised value and communicate provisions of Rule 28(5) (withdrawal option); endorse copy to Head of Office\",\r\n      \"Refuse payment altogether\",\r\n      \"Refer the case to the Ministry of Finance\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 29(2).<\/b> Where the commuted value calculated with reference to the modified Table is less favourable than the value determined earlier, the Accounts Officer shall: (a) <b>inform the applicant of the revised value and communicate the provisions of sub-rule (5) of Rule 28<\/b> (option to withdraw within 14 days), and (b) <b>endorse to the Head of Office a copy of the communication<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 84,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"On receipt of documents from the medical authority, the Accounts Officer, for authorising payment of commuted value, shall furnish to the disbursing authority all of the following particulars EXCEPT:\",\r\n    \"options\": [\r\n      \"Amount of pension commuted, commuted value, and date of commutation becoming absolute\",\r\n      \"Amount of residuary pension\",\r\n      \"Form 4 in original\",\r\n      \"The applicant's service book in original\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>Rule 30(1).<\/b> The Accounts Officer shall furnish to the disbursing authority: (i) <b>amount of pension commuted, commuted value, and date of commutation becoming absolute<\/b>; (ii) <b>amount of residuary pension<\/b>; (iii) <b>Form 4 in original<\/b>; and (iv) <b>copy of applicant's photograph attested by medical authority<\/b>. The service book is not required to be sent.\"\r\n  },\r\n  {\r\n    \"id\": 85,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"An applicant who was medically examined for commutation of provisional pension, on final assessment of pension becomes entitled to commute an amount exceeding \u20b96,000 p.m. For the commuted value beyond \u20b96,000 p.m., the Rule provides:\",\r\n    \"options\": [\r\n      \"No further medical examination; the entire difference is paid automatically\",\r\n      \"Applicant is allowed difference up to \u20b96,000 p.m. worth of commutation without further medical examination, and for commuted value exceeding \u20b96,000 p.m., he must apply afresh for medical examination and be declared fit by a Medical Board\",\r\n      \"Applicant must apply afresh in Form 1\",\r\n      \"No commutation beyond \u20b96,000 p.m. is ever permissible\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Proviso to Rule 31(1).<\/b> Where an applicant examined for commutation of provisional pension becomes, on final assessment, eligible to commute amount exceeding \u20b96,000 p.m., he shall be allowed the <b>difference between commuted value of \u20b96,000 p.m. and the commuted value of the fraction of provisional pension without further medical examination<\/b>. But <b>payment of commuted value exceeding \u20b96,000 p.m. shall be made only if the applicant applies afresh for medical examination (as per Rule 9(3)(ii)(c)) and is declared fit by a Medical Board<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 86,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Where any doubt arises regarding interpretation of the Central Civil Services (Commutation of Pension) Rules, 1981, the matter shall be referred to:\",\r\n    \"options\": [\r\n      \"The Comptroller and Auditor General\",\r\n      \"The Ministry of Finance\",\r\n      \"The Government in the Department of Pension and Pensioners' Welfare for decision\",\r\n      \"The Ministry of Law and Justice\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 32 Interpretation.<\/b> Where any doubt arises as to the interpretation of these rules, it shall be referred to the <b>Government in the Department of Pension and Pensioners' Welfare (DoP&PW)<\/b> for decision.\"\r\n  },\r\n  {\r\n    \"id\": 87,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Power to relax the requirements of the Central Civil Services (Commutation of Pension) Rules, 1981 in a case of undue hardship may be exercised by:\",\r\n    \"options\": [\r\n      \"Any Head of Department suo motu\",\r\n      \"The President only\",\r\n      \"The concerned Ministry or Department, by order with reasons recorded in writing, with the concurrence of the Department of Pension and Pensioners' Welfare\",\r\n      \"Only the Comptroller and Auditor General\"\r\n    ],\r\n    \"correct\": 2,\r\n    \"explanation\": \"<b>Rule 33 Power to relax.<\/b> Where a Ministry\/Department is satisfied that operation of any rule causes undue hardship in any particular case, <b>that Ministry or Department may, by order for reasons to be recorded in writing, dispense with or relax the requirements<\/b> to such extent and subject to such conditions as necessary for a just and equitable decision \u2014 <b>provided no such order shall be made except with the concurrence of the Department of Pension and Pensioners' Welfare<\/b>.\"\r\n  },\r\n  \r\n\r\n  {\r\n    \"id\": 90,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"The commutation value expressed as number of years' purchase for a pension of Re. 1 per annum for age next birthday of 60 years (as per the Commutation Table appended to the Central Civil Services (Commutation of Pension) Rules, 1981, effective from 1st January, 2006) is:\",\r\n    \"options\": [\r\n      \"9.188\",\r\n      \"8.287\",\r\n      \"8.093\",\r\n      \"7.731\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Table (see Rule 8).<\/b> As per the Commutation Table effective from 01.01.2006, for age next birthday <b>60 years, the commutation value is 8.287<\/b>. The Table is based on LIC (94-96) Ultimate Tables and 8.00% interest.\"\r\n  },\r\n  {\r\n    \"id\": 91,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"As per the Commutation Table appended to the Central Civil Services (Commutation of Pension) Rules, 1981 (effective 1st January, 2006), the commutation value expressed as number of years' purchase DECREASES as age next birthday increases. The maximum and minimum values in the Table correspond respectively to:\",\r\n    \"options\": [\r\n      \"Age 20 (9.188) and Age 81 (4.611)\",\r\n      \"Age 21 (9.187) and Age 80 (4.812)\",\r\n      \"Age 25 (9.183) and Age 70 (6.897)\",\r\n      \"Age 30 (9.173) and Age 75 (5.872)\"\r\n    ],\r\n    \"correct\": 0,\r\n    \"explanation\": \"<b>Commutation Table.<\/b> The Table starts at <b>age next birthday 20 with value 9.188<\/b> and ends at <b>age 81 with value 4.611<\/b>. The value decreases as age increases \u2014 reflecting the actuarial basis that older pensioners have shorter expected remaining life.\"\r\n  },\r\n\r\n  {\r\n    \"id\": 93,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"As per the Central Civil Services (Commutation of Pension) Rules, 1981, the Chief Administrative Medical Authority for the Union Territory of Delhi is:\",\r\n    \"options\": [\r\n      \"The Director General of Health Services\",\r\n      \"The Chairman of the Central Standing Medical Board at Dr. Ram Manohar Lohia Hospital, and the Chairman of the Central Standing Medical Board at Safdarjang Hospital, New Delhi\",\r\n      \"The Chief Medical Officer of AIIMS\",\r\n      \"The Health Secretary, Government of Delhi\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Annexure (see Rule 20(3)).<\/b> For the UT of Delhi, the Chief Administrative Medical Authorities specified are: (i) <b>The Chairman of the Central Standing Medical Board, Dr. Ram Manohar Lohia Hospital, New Delhi<\/b>; and (ii) <b>The Chairman of the Central Standing Medical Board, Safdarjang Hospital, New Delhi<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 94,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Form 3 (letter of the Chief Administrative Medical Authority) is used in the procedure for:\",\r\n    \"options\": [\r\n      \"Commutation of pension without medical examination under Form 1\",\r\n      \"Commutation of pension after medical examination \u2014 addressed to the Chief Administrative Medical Authority for arranging medical examination\",\r\n      \"Nomination of commuted value\",\r\n      \"Appeal against findings of medical authority\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Form 3 (see Rules 20(3), 20(4) and 28(5)).<\/b> Form 3 is the form of letter by which the <b>Head of Office addresses the Chief Administrative Medical Authority for arranging medical examination of the applicant<\/b>, forwarding Form 2 (Part IV completed by Accounts Officer), photographs, Form 4, and any medical case statement. It specifies the nearest available station for examination and refers to Rule 22 and Rule 25.\"\r\n  },\r\n  {\r\n    \"id\": 95,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"The declaration in Part I of Form 4 (medical examination) signed by the applicant before the medical authority carries a warning that by willfully making a false statement or concealing a relevant fact, he shall incur the risk of:\",\r\n    \"options\": [\r\n      \"Prosecution under IPC\",\r\n      \"Losing the commutation applied for and having his pension withheld or withdrawn under Rule 8 of the CCS (Pension) Rules, 1972\",\r\n      \"Forfeiture of gratuity\",\r\n      \"Only cancellation of medical examination\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Form 4, Part I (Declaration by Applicant).<\/b> The applicant declares that by willfully making a false statement or concealing a relevant fact, he shall incur the risk of <b>losing the commutation he has applied for and of having his pension withheld or withdrawn under Rule 8 of the CCS (Pension) Rules, 1972<\/b>.\"\r\n  },\r\n  {\r\n    \"id\": 96,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Match List-I (type of applicant\/situation) with List-II (form\/authority):\\nList-I:\\nP. Post-retirement commutation without medical exam within one year\\nQ. Pre-retirement commutation (superannuation, commuted value via PPO)\\nR. Commutation with medical examination\\nS. Nomination for commuted value\\nList-II:\\n1. Form 1-A\\n2. Form 2\\n3. Form 5\\n4. Form 1\",\r\n    \"options\": [\r\n      \"P-4, Q-1, R-2, S-3\",\r\n      \"P-1, Q-4, R-3, S-2\",\r\n      \"P-4, Q-2, R-1, S-3\",\r\n      \"P-2, Q-1, R-4, S-3\"\r\n    ],\r\n    \"correct\": 0,\r\n    \"explanation\": \"<b>Correct Matching:<\/b> P-4 (<b>Form 1<\/b> for post-retirement within one year, no medical); Q-1 (<b>Form 1-A<\/b> for pre-retirement superannuation cases, commuted value via PPO); R-2 (<b>Form 2<\/b> for commutation requiring medical examination); S-3 (<b>Form 5<\/b> for nomination of commuted value). Form 3 is the Head of Office's letter to CAMA; Form 4 is the medical examination report.\"\r\n  },\r\n  {\r\n    \"id\": 97,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Consider the following statements regarding the CCS (Commutation of Pension) Rules, 1981:\\n1. Commutation is not permissible during pendency of departmental or judicial proceedings.\\n2. The maximum permissible commutation is 40% of pension.\\n3. Fractions of a rupee in the commuted amount are ignored.\\n4. The commuted portion is restored after 15 years from the date reduction becomes operative.\\n5. Nomination for commuted value is made in Form 5.\\nWhich of the statements are correct?\",\r\n    \"options\": [\r\n      \"1, 2 and 3 only\",\r\n      \"2, 3, 4 and 5 only\",\r\n      \"1, 3, 4 and 5 only\",\r\n      \"1, 2, 3, 4 and 5\"\r\n    ],\r\n    \"correct\": 3,\r\n    \"explanation\": \"<b>All five statements are correct.<\/b> (1) Rule 4 bars commutation during pendency of proceedings; (2) Rule 5(1) prescribes 40% limit; (3) Rule 5(3) ignores fractions of a rupee; (4) Rule 10A prescribes 15-year restoration; (5) Rule 7(1) requires nomination in Form 5.\"\r\n  },\r\n  {\r\n    \"id\": 98,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Which of the following correctly identifies the medical authority in the respective cases?\",\r\n    \"options\": [\r\n      \"Commutation of invalid pension \u2014 Civil Surgeon or District Medical Officer\",\r\n      \"Commutation where total commuted amount (with previous commutations) exceeds \u20b96,000 p.m. \u2014 Medical Board\",\r\n      \"Second medical examination after 1 year (applicant refused earlier on medical grounds) \u2014 Civil Surgeon\",\r\n      \"First medical examination for ordinary commutation (below \u20b96,000 p.m. limit) \u2014 Medical Board mandatorily\"\r\n    ],\r\n    \"correct\": 1,\r\n    \"explanation\": \"<b>Rule 22(1)(b).<\/b> Where the amount of pension to be commuted (together with previously commuted amounts) <b>exceeds \u20b96,000 per mensem, the medical authority shall be a Medical Board<\/b>. Invalid pension also requires Medical Board (Rule 22(1)(a)); re-examination after refusal on medical grounds is also by Medical Board (Rule 22(1)(c) read with Rule 26). Ordinary sub-\u20b96,000 cases can be examined by Civil Surgeon\/DMO under Rule 22(2).\"\r\n  },\r\n  {\r\n    \"id\": 99,\r\n    \"chapter\": \"Ch 5: Miscellaneous Provisions (Rules 29-34)\",\r\n    \"question\": \"Consider the following events in the procedure for commutation of pension with medical examination:\\n1. Head of Office forwards Form 2 to Accounts Officer for completion of Part IV.\\n2. Head of Office addresses the Chief Administrative Medical Authority in Form 3.\\n3. Medical authority completes Form 4 and forwards to Accounts Officer.\\n4. Applicant files Form 2 with Head of Office.\\n5. Accounts Officer authorises payment of commuted value to disbursing authority.\\nThe correct chronological order is:\",\r\n    \"options\": [\r\n      \"4 \u2192 1 \u2192 2 \u2192 3 \u2192 5\",\r\n      \"1 \u2192 4 \u2192 2 \u2192 3 \u2192 5\",\r\n      \"4 \u2192 2 \u2192 1 \u2192 3 \u2192 5\",\r\n      \"2 \u2192 4 \u2192 1 \u2192 5 \u2192 3\"\r\n    ],\r\n    \"correct\": 0,\r\n    \"explanation\": \"<b>Correct chronology (Rules 19, 20, 25, 30):<\/b> (4) Applicant files <b>Form 2 with Head of Office<\/b> \u2192 (1) Head of Office forwards Form 2 to <b>Accounts Officer to complete Part IV<\/b> (Rule 20(1)(b)) \u2192 (2) Head of Office addresses <b>Chief Administrative Medical Authority in Form 3<\/b> (Rule 20(3)) \u2192 (3) <b>Medical authority completes Form 4<\/b> and forwards to Accounts Officer (Rule 25(2)) \u2192 (5) <b>Accounts Officer authorises payment<\/b> to disbursing authority (Rule 30).\"\r\n  }\r\n\r\n];\r\n\r\n\/\/ ==========================================\r\n\/\/ STATE\r\n\/\/ ==========================================\r\nlet initDone = false;\r\nlet currentMode = 'all';\r\nlet currentFilter = null;\r\nlet filteredQuestions = [...allQuestions];\r\nlet currentQuestionIndex = 0;\r\nlet selectedOption = null;\r\nlet answerChecked = false;\r\nlet sessionStats = { attempted: 0, correct: 0, incorrect: 0 };\r\nlet sessionStartTs = Date.now();\r\nlet sessionAnswers = {};\r\nlet progress = { questionStats: {}, weakAreas: [], lastQuestionId: null, lastMode: 'all', lastFilter: null, attemptLog: [] };\r\n\r\nconst $id = (x) => document.getElementById(x);\r\nconst CHAPTERS = [...new Set(allQuestions.map(q => q.chapter))];\r\n\/\/ Case-insensitive helpers: work for \"Ch 1:\", \"CH 1:\", \"ch 1:\" alike.\r\nconst chShort = (c) => c.replace(\/^CH\\s*(\\d+):.*$\/i, 'CH $1').replace('ANNEXURE\/Appendices', 'Annexures');\r\nconst chFull = (c) => { const m = c.match(\/^CH\\s*\\d+:\\s*(.+)$\/i); return m ? m[1] : c; };\r\n\/\/ One label, printed once (avoids the \"name: name\" doubling bug).\r\nconst chLabel = (c) => \/^CH\\s*\\d+:\/i.test(c) ? (chShort(c) + ': ' + chFull(c)) : c;\r\n\r\n\/\/ ==========================================\r\n\/\/ PERSISTENCE (localStorage)\r\n\/\/ ==========================================\r\nfunction loadProgress() {\r\n    try {\r\n        const saved = localStorage.getItem('quiz_progress_' + quizConfig.quizId);\r\n        if (saved) {\r\n            const p = JSON.parse(saved);\r\n            progress = Object.assign(progress, p);\r\n            if (!progress.questionStats) progress.questionStats = {};\r\n            if (!Array.isArray(progress.weakAreas)) progress.weakAreas = [];\r\n            if (!Array.isArray(progress.attemptLog)) progress.attemptLog = [];\r\n        }\r\n    } catch (e) { console.warn('Progress load failed', e); }\r\n}\r\nfunction saveProgress() {\r\n    try {\r\n        if (progress.attemptLog.length > 500) progress.attemptLog = progress.attemptLog.slice(-500);\r\n        localStorage.setItem('quiz_progress_' + quizConfig.quizId, JSON.stringify(progress));\r\n    } catch (e) { console.warn('Progress save failed', e); }\r\n}\r\nfunction getQStat(qid) {\r\n    if (!progress.questionStats[qid]) progress.questionStats[qid] = { correct: 0, incorrect: 0, lastAttempt: null, lastCorrect: null };\r\n    return progress.questionStats[qid];\r\n}\r\n\r\n\/\/ ==========================================\r\n\/\/ TOAST\r\n\/\/ ==========================================\r\nlet toastTimer = null;\r\nfunction showToast(msg, type) {\r\n    const t = $id('warningToast');\r\n    $id('toastMessage').textContent = msg;\r\n    t.classList.toggle('success', type === 'success');\r\n    t.classList.add('show');\r\n    clearTimeout(toastTimer);\r\n    toastTimer = setTimeout(() => t.classList.remove('show'), 2600);\r\n}\r\n\r\n\/\/ ==========================================\r\n\/\/ TAB NAVIGATION\r\n\/\/ ==========================================\r\nfunction switchView(view) {\r\n    document.querySelectorAll('.cwq-portal .gp-tab').forEach(b => b.classList.toggle('active', b.dataset.view === view));\r\n    document.querySelectorAll('.cwq-portal .gp-view').forEach(v => v.classList.toggle('active', v.id === 'view-' + view));\r\n    if (view === 'performance') renderAI();\r\n}\r\n\r\n\/\/ ==========================================\r\n\/\/ MODE \/ FILTERS\r\n\/\/ ==========================================\r\nfunction setMode(mode, filter) {\r\n    currentMode = mode;\r\n    currentFilter = filter || null;\r\n    document.querySelectorAll('.cwq-portal .mode-tab').forEach(t => t.classList.toggle('active', t.dataset.mode === mode));\r\n    $id('chapterFilterCard').style.display = (mode === 'chapter') ? '' : 'none';\r\n    $id('weakAreasCard').style.display = (mode === 'weak') ? '' : 'none';\r\n    applyFilters();\r\n    progress.lastMode = mode; progress.lastFilter = currentFilter; saveProgress();\r\n}\r\nfunction applyFilters() {\r\n    if (currentMode === 'all') filteredQuestions = [...allQuestions];\r\n    else if (currentMode === 'chapter') filteredQuestions = currentFilter ? allQuestions.filter(q => q.chapter === currentFilter) : [...allQuestions];\r\n    else if (currentMode === 'weak') {\r\n        filteredQuestions = allQuestions.filter(q => progress.weakAreas.includes(q.id));\r\n        if (!filteredQuestions.length) { showToast('No weak areas yet \u2014 great going!', 'success'); filteredQuestions = [...allQuestions]; setMode('all'); return; }\r\n    }\r\n    currentQuestionIndex = 0;\r\n    sessionStats = { attempted: 0, correct: 0, incorrect: 0 };\r\n    sessionStartTs = Date.now();\r\n    sessionAnswers = {};\r\n    renderFilters(); renderGrid(); loadQuestion(); updateStats();\r\n}\r\nfunction renderFilters() {\r\n    $id('chapterList').innerHTML = CHAPTERS.map(c => {\r\n        const n = allQuestions.filter(q => q.chapter === c).length;\r\n        return '<div class=\"filter-item' + (currentMode === 'chapter' && currentFilter === c ? ' active' : '') + '\" data-chapter=\"' + encodeURIComponent(c) + '\" title=\"' + c + '\"><span class=\"filter-text\">' + chLabel(c) + '<\/span><span class=\"filter-count\">' + n + '<\/span><\/div>';\r\n    }).join('');\r\n    renderWeakList();\r\n}\r\nfunction renderWeakList() {\r\n    const list = $id('weakQuestionList');\r\n    const weak = allQuestions.filter(q => progress.weakAreas.includes(q.id));\r\n    list.innerHTML = weak.length ? weak.map(q => {\r\n        const s = getQStat(q.id);\r\n        return '<div class=\"weak-question-item\" data-goto=\"' + q.id + '\"><span class=\"q-num\">Q' + q.id + '<\/span><span class=\"q-text\">' + q.question.replace(\/<br\\s*\\\/?>|\\n\/gi, ' ').substring(0, 60) + '\u2026<\/span><span class=\"wrong-count\">' + s.incorrect + '\u2717<\/span><\/div>';\r\n    }).join('') : '<p style=\"font-size:12.5px;color:var(--mut);text-align:center;padding:14px 4px;\">No weak areas. Keep practising!<\/p>';\r\n}\r\n\r\n\/\/ ==========================================\r\n\/\/ QUESTION RENDERING\r\n\/\/ ==========================================\r\nfunction loadQuestion() {\r\n    const q = filteredQuestions[currentQuestionIndex];\r\n    if (!q) {\r\n        $id('questionText').innerHTML = '<b>No questions loaded yet.<\/b> Paste your question bank into the <code>allQuestions<\/code> array in this file (format documented at the array) and reload.';\r\n        $id('optionsList').innerHTML = '';\r\n        $id('questionNumber').textContent = 'Question 0 of 0';\r\n        return;\r\n    }\r\n    selectedOption = null; answerChecked = false;\r\n    $id('questionNumber').textContent = 'Question ' + (currentQuestionIndex + 1) + ' of ' + filteredQuestions.length;\r\n    $id('currentQuestionChapter').textContent = chLabel(q.chapter);\r\n    $id('weakBadge').style.display = progress.weakAreas.includes(q.id) ? '' : 'none';\r\n    $id('questionText').innerHTML = formatQuestion(q);\r\n    $id('explanationBox').classList.remove('show');\r\n    renderOptions(q);\r\n    renderMastery(q);\r\n    const prior = sessionAnswers[q.id];\r\n    if (prior !== undefined) revealAnswer(q, prior, true);\r\n    $id('prevBtn').disabled = currentQuestionIndex === 0;\r\n    $id('nextBtn').disabled = currentQuestionIndex === filteredQuestions.length - 1;\r\n    $id('checkBtn').disabled = prior !== undefined;\r\n    renderGrid();\r\n    progress.lastQuestionId = q.id; saveProgress();\r\n    if (initDone && window.innerWidth <= 900) {\r\n        const p = document.querySelector('.cwq-portal .question-panel');\r\n        if (p) p.scrollIntoView({ behavior: 'smooth', block: 'start' });\r\n    }\r\n}\r\n\/\/ UPSC exam-paper formatting: numbered statements get their own spaced rows,\r\n\/\/ the \"Select the correct answer \/ Which of the above\" lead sits on its own line.\r\n\/\/ Splits on BOTH \"\\n\" and \"<br>\" so either style works in pasted data.\r\nfunction formatQuestion(q) {\r\n    const parts = q.question.split(\/<br\\s*\\\/?>|\\n\/i);\r\n    let html = '<span class=\"q-stem\"><b>Q' + q.id + '.<\/b> ' + (parts[0] || '') + '<\/span>';\r\n    for (let i = 1; i < parts.length; i++) {\r\n        const seg = parts[i].trim();\r\n        if (!seg) continue;\r\n        const m = seg.match(\/^(\\d+)\\.\\s*(.*)$\/s);\r\n        if (m) html += '<span class=\"q-stmt\"><span class=\"sn\">' + m[1] + '.<\/span><span>' + m[2] + '<\/span><\/span>';\r\n        else if (\/^(select the correct|which of the (above|following|statements)|choose the correct|consider the following|statement)\/i.test(seg))\r\n            html += '<span class=\"q-lead\">' + seg + '<\/span>';\r\n        else html += '<span class=\"q-lead\" style=\"font-style:normal\">' + seg + '<\/span>';\r\n    }\r\n    return html;\r\n}\r\nfunction renderOptions(q) {\r\n    $id('optionsList').innerHTML = q.options.map((opt, i) =>\r\n        '<div class=\"option-item\" data-opt=\"' + i + '\"><span class=\"option-letter\">(' + String.fromCharCode(97 + i) + ')<\/span><span class=\"option-text\">' + opt + '<\/span><i class=\"option-icon\" style=\"margin-top:4px\"><\/i><\/div>'\r\n    ).join('');\r\n}\r\nfunction renderMastery(q) {\r\n    const s = getQStat(q.id);\r\n    const mi = $id('masteryIndicator');\r\n    if (s.correct + s.incorrect === 0) { mi.classList.remove('show'); return; }\r\n    mi.classList.add('show');\r\n    const stars = $id('masteryStars').querySelectorAll('i');\r\n    stars.forEach((st, i) => st.classList.toggle('filled', i < Math.min(s.correct, 5)));\r\n}\r\nfunction checkAnswer() {\r\n    if (answerChecked || selectedOption === null) { if (selectedOption === null) showToast('Select an option first'); return; }\r\n    const q = filteredQuestions[currentQuestionIndex];\r\n    const isCorrect = selectedOption === q.correct;\r\n    sessionAnswers[q.id] = selectedOption;\r\n    sessionStats.attempted++; isCorrect ? sessionStats.correct++ : sessionStats.incorrect++;\r\n    updateQuestionStats(q, isCorrect);\r\n    revealAnswer(q, selectedOption, false);\r\n    updateStats(); renderGrid(); renderWeakList(); updateHeader();\r\n}\r\nfunction revealAnswer(q, chosen, restoring) {\r\n    answerChecked = true;\r\n    const items = $id('optionsList').querySelectorAll('.option-item');\r\n    items.forEach((it, i) => {\r\n        it.classList.add('disabled');\r\n        if (i === q.correct) { it.classList.add('correct'); const oi = it.querySelector('.option-icon'); oi.textContent = '\\u2713'; oi.style.fontStyle = 'normal'; }\r\n        else if (i === chosen) { it.classList.add('incorrect'); const oj = it.querySelector('.option-icon'); oj.textContent = '\\u2717'; oj.style.fontStyle = 'normal'; }\r\n    });\r\n    $id('explanationText').innerHTML = q.explanation;\r\n    $id('explanationBox').classList.add('show');\r\n    $id('checkBtn').disabled = true;\r\n    renderMastery(q);\r\n    if (!restoring) showToast(chosen === q.correct ? 'Correct! Well done.' : 'Incorrect \u2014 read the explanation.', chosen === q.correct ? 'success' : '');\r\n}\r\nfunction updateQuestionStats(q, isCorrect) {\r\n    const s = getQStat(q.id);\r\n    isCorrect ? s.correct++ : s.incorrect++;\r\n    s.lastAttempt = Date.now(); s.lastCorrect = isCorrect;\r\n    progress.attemptLog.push({ qid: q.id, correct: isCorrect, ts: Date.now() });\r\n    const isWeak = progress.weakAreas.includes(q.id);\r\n    if (!isCorrect && s.incorrect >= quizConfig.weakThreshold && !isWeak) progress.weakAreas.push(q.id);\r\n    if (isCorrect && isWeak && s.correct >= quizConfig.masteryThreshold) progress.weakAreas = progress.weakAreas.filter(id => id !== q.id);\r\n    saveProgress();\r\n}\r\n\r\n\/\/ ==========================================\r\n\/\/ GRID + STATS\r\n\/\/ ==========================================\r\nfunction renderGrid() {\r\n    $id('questionGrid').innerHTML = filteredQuestions.map((q, i) => {\r\n        let cls = 'unattempted';\r\n        const ans = sessionAnswers[q.id];\r\n        if (ans !== undefined) cls = (ans === q.correct) ? 'correct-answered' : 'incorrect-answered';\r\n        else { const s = progress.questionStats[q.id]; if (s && (s.correct + s.incorrect) > 0) cls = 'attempted'; }\r\n        if (i === currentQuestionIndex) cls = 'current';\r\n        const weak = progress.weakAreas.includes(q.id) ? ' weak-marked' : '';\r\n        return '<div class=\"grid-item ' + cls + weak + '\" data-idx=\"' + i + '\" title=\"Q' + q.id + '\">' + (i + 1) + '<\/div>';\r\n    }).join('');\r\n}\r\nfunction masteredCount() { return allQuestions.filter(q => { const s = progress.questionStats[q.id]; return s && s.correct >= quizConfig.masteryThreshold; }).length; }\r\nfunction updateStats() {\r\n    $id('totalQuestions').textContent = filteredQuestions.length;\r\n    $id('attemptedCount').textContent = sessionStats.attempted;\r\n    $id('correctCount').textContent = sessionStats.correct;\r\n    $id('incorrectCount').textContent = sessionStats.incorrect;\r\n    const mastered = masteredCount();\r\n    const pct = allQuestions.length ? Math.round(mastered \/ allQuestions.length * 100) : 0;\r\n    $id('progressPercentage').textContent = pct + '%';\r\n    $id('progressRingFill').style.strokeDashoffset = 264 - (264 * pct \/ 100);\r\n    $id('totalCorrectProgress').textContent = Object.values(progress.questionStats).reduce((a, s) => a + s.correct, 0);\r\n    $id('totalWeakProgress').textContent = progress.weakAreas.length;\r\n    $id('allCount').textContent = allQuestions.length;\r\n    $id('weakModeCount').textContent = progress.weakAreas.length;\r\n}\r\nfunction updateHeader() {\r\n    $id('hdrTotalQ').textContent = allQuestions.length;\r\n    $id('hdrChapters').textContent = CHAPTERS.length;\r\n    const pct = allQuestions.length ? Math.round(masteredCount() \/ allQuestions.length * 100) : 0;\r\n    $id('hdrMastered').textContent = pct + '%';\r\n    const w = progress.weakAreas.length;\r\n    $id('weakBadgeHeader').style.display = w ? '' : 'none';\r\n    $id('weakCountHeader').textContent = w;\r\n    const r = computeReadiness();\r\n    $id('hdrReadiness').textContent = r.attempted ? r.score + '%' : '\u2014';\r\n    $id('perfPill').style.display = w >= 5 ? '' : 'none';\r\n}\r\n\r\n\/\/ ==========================================\r\n\/\/ SUBMIT \/ RESULT \/ RESETS\r\n\/\/ ==========================================\r\nfunction submitExam() {\r\n    if (!sessionStats.attempted) { showToast('Attempt at least one question first'); return; }\r\n    const pct = Math.round(sessionStats.correct \/ sessionStats.attempted * 100);\r\n    $id('resultCorrect').textContent = sessionStats.correct;\r\n    $id('resultIncorrect').textContent = sessionStats.incorrect;\r\n    $id('resultScore').textContent = pct + '%';\r\n    $id('resultIcon').textContent = pct >= 80 ? '\ud83c\udfc6' : pct >= 60 ? '\ud83c\udf89' : pct >= 40 ? '\ud83d\udcd6' : '\ud83d\udcaa';\r\n    $id('resultTitle').textContent = pct >= 80 ? 'Outstanding!' : pct >= 60 ? 'Great Job!' : pct >= 40 ? 'Keep Practising!' : 'Needs Revision';\r\n    $id('resultMessage').textContent = 'You attempted ' + sessionStats.attempted + ' of ' + filteredQuestions.length + ' questions in this session.';\r\n    $id('practiceWeakBtn').style.display = progress.weakAreas.length ? '' : 'none';\r\n    $id('resultModal').classList.add('show');\r\n}\r\nfunction reviewAnswers() { $id('resultModal').classList.remove('show'); currentQuestionIndex = 0; loadQuestion(); }\r\nfunction retryQuiz() { $id('resultModal').classList.remove('show'); sessionStats = { attempted: 0, correct: 0, incorrect: 0 }; sessionAnswers = {}; currentQuestionIndex = 0; loadQuestion(); updateStats(); }\r\n\/\/ SESSION RESET (Practice tab): clears ONLY this session's answers\/score.\r\n\/\/ Lifetime performance (mastery, weak areas, attempt history) is preserved.\r\nfunction resetSession() {\r\n    if (!confirm('Reset this session? Only the current answers and session score are cleared \u2014 your lifetime performance and mastery are kept.')) return;\r\n    sessionStats = { attempted: 0, correct: 0, incorrect: 0 };\r\n    sessionAnswers = {};\r\n    sessionStartTs = Date.now();\r\n    currentQuestionIndex = 0;\r\n    loadQuestion(); updateStats(); renderGrid();\r\n    showToast('Session reset \u2014 performance data kept', 'success');\r\n}\r\n\/\/ PERFORMANCE RESET (My Performance tab): wipes lifetime data after confirm.\r\nfunction resetPerformance() {\r\n    if (!confirm('Permanently erase ALL lifetime performance for this quiz?\\n\\nThis clears mastery stars, weak areas, accuracy history and the readiness score. This cannot be undone.')) return;\r\n    progress = { questionStats: {}, weakAreas: [], lastQuestionId: null, lastMode: 'all', lastFilter: null, attemptLog: [] };\r\n    saveProgress();\r\n    sessionStats = { attempted: 0, correct: 0, incorrect: 0 };\r\n    sessionAnswers = {};\r\n    sessionStartTs = Date.now();\r\n    setMode('all');\r\n    updateHeader();\r\n    renderAI();\r\n    showToast('Lifetime performance erased', 'success');\r\n}\r\n\r\n\/\/ ==========================================\r\n\/\/ TAB 2 \u2014 AI COACH ENGINE (rule-based, client-side)\r\n\/\/ Chapter weight = chapter's share of the question bank\r\n\/\/ ==========================================\r\nfunction chapterCounts() {\r\n    const map = {};\r\n    allQuestions.forEach(q => { map[q.chapter] = (map[q.chapter] || 0) + 1; });\r\n    return Object.entries(map).sort((a, b) => b[1] - a[1]);\r\n}\r\nfunction chapterStats() {\r\n    const total = allQuestions.length;\r\n    return chapterCounts().map(([c, n]) => {\r\n        const qs = allQuestions.filter(q => q.chapter === c);\r\n        let attempted = 0, correct = 0, incorrect = 0, scoreSum = 0;\r\n        qs.forEach(q => {\r\n            const s = progress.questionStats[q.id];\r\n            if (s && (s.correct + s.incorrect) > 0) { attempted++; correct += s.correct; incorrect += s.incorrect; }\r\n            scoreSum += s ? Math.min(s.correct \/ quizConfig.masteryThreshold, 1) : 0;\r\n        });\r\n        const acc = (correct + incorrect) ? correct \/ (correct + incorrect) : null;\r\n        const weight = n \/ total;\r\n        const coverage = attempted \/ n;\r\n        const mastery = scoreSum \/ n;\r\n        const priority = weight * (acc === null ? 0.85 : (1 - acc)) * (0.5 + 0.5 * (1 - coverage));\r\n        return { chapter: c, count: n, weight, attempted, coverage, acc, mastery, priority };\r\n    });\r\n}\r\nfunction computeReadiness() {\r\n    const stats = chapterStats();\r\n    const score = Math.round(stats.reduce((a, s) => a + s.weight * s.mastery, 0) * 100);\r\n    const attempted = Object.values(progress.questionStats).some(s => (s.correct + s.incorrect) > 0);\r\n    return { score, attempted, stats };\r\n}\r\nfunction renderAI() {\r\n    if (!allQuestions.length) {\r\n        $id('aiEmptyState').style.display = '';\r\n        $id('aiContent').style.display = 'none';\r\n        return;\r\n    }\r\n    const { score, attempted, stats } = computeReadiness();\r\n    $id('aiEmptyState').style.display = attempted ? 'none' : '';\r\n    $id('aiContent').style.display = attempted ? '' : 'none';\r\n    if (!attempted) return;\r\n\r\n    \/\/ Readiness ring\r\n    $id('aiScore').textContent = score;\r\n    $id('aiRingFill').style.strokeDashoffset = 402 - (402 * score \/ 100);\r\n    const verdict = score >= 80 ? '<b>Exam-ready.<\/b> Maintain with the revision queue and weak-area drills.'\r\n        : score >= 60 ? '<b>Strong base.<\/b> Close the gaps in your top-weight chapters to cross 80.'\r\n        : score >= 35 ? '<b>Building up.<\/b> Focus on the priority chapters below \u2014 they move your score fastest.'\r\n        : '<b>Early stage.<\/b> Start with the highest-weight chapters; every mastered question compounds.';\r\n    $id('aiVerdict').innerHTML = verdict + '<br><span style=\"font-size:11.8px;opacity:.8\">Score = \u03a3 (chapter weight \u00d7 your mastery), computed across ' + CHAPTERS.length + ' chapters of the bank.<\/span>';\r\n\r\n    \/\/ KPIs\r\n    const totalAttempted = allQuestions.filter(q => { const s = progress.questionStats[q.id]; return s && (s.correct + s.incorrect) > 0; }).length;\r\n    const allC = Object.values(progress.questionStats).reduce((a, s) => a + s.correct, 0);\r\n    const allI = Object.values(progress.questionStats).reduce((a, s) => a + s.incorrect, 0);\r\n    const accAll = (allC + allI) ? Math.round(allC \/ (allC + allI) * 100) : 0;\r\n    const recent = progress.attemptLog.slice(-20);\r\n    const accRecent = recent.length ? Math.round(recent.filter(a => a.correct).length \/ recent.length * 100) : 0;\r\n    const trendArrow = recent.length >= 5 ? (accRecent > accAll ? ' <span style=\"color:var(--green)\">\\u2197<\/span>' : accRecent < accAll ? ' <span style=\"color:var(--red)\">\\u2198<\/span>' : '') : '';\r\n    $id('aiKpis').innerHTML =\r\n        '<div class=\"ai-kpi\"><div class=\"n\">' + totalAttempted + '\/' + allQuestions.length + '<\/div><div class=\"l\">Coverage<\/div><\/div>' +\r\n        '<div class=\"ai-kpi\"><div class=\"n ' + (accAll >= 70 ? 'g' : accAll >= 45 ? 'a' : 'r') + '\">' + accAll + '%<\/div><div class=\"l\">Lifetime Accuracy<\/div><\/div>' +\r\n        '<div class=\"ai-kpi\"><div class=\"n ' + (accRecent >= 70 ? 'g' : accRecent >= 45 ? 'a' : 'r') + '\">' + accRecent + '%' + trendArrow + '<\/div><div class=\"l\">Last 20 Attempts<\/div><\/div>' +\r\n        '<div class=\"ai-kpi\"><div class=\"n g\">' + masteredCount() + '<\/div><div class=\"l\">Mastered (' + quizConfig.masteryThreshold + '\u2605)<\/div><\/div>' +\r\n        '<div class=\"ai-kpi\"><div class=\"n r\">' + progress.weakAreas.length + '<\/div><div class=\"l\">Weak Questions<\/div><\/div>';\r\n\r\n    \/\/ Smart study plan\r\n    const byPriority = [...stats].sort((a, b) => b.priority - a.priority);\r\n    const recos = [];\r\n    byPriority.slice(0, 3).forEach(s => {\r\n        if (s.acc === null) recos.push({ ic: 'warm', icon: '\ud83e\udded', txt: '<b>' + chShort(s.chapter) + '<\/b> carries <b>' + Math.round(s.weight * 100) + '%<\/b> of the bank but you haven\\u2019t attempted it yet \u2014 begin here.', ch: s.chapter });\r\n        else if (s.acc < 0.6) recos.push({ ic: 'hot', icon: '\ud83d\udd25', txt: '<b>' + chShort(s.chapter) + '<\/b>: chapter weight <b>' + Math.round(s.weight * 100) + '%<\/b>, your accuracy only <b>' + Math.round(s.acc * 100) + '%<\/b> \u2014 highest payoff zone right now.', ch: s.chapter });\r\n        else if (s.coverage < 0.6) recos.push({ ic: 'cool', icon: '\ud83d\udd0d', txt: '<b>' + chShort(s.chapter) + '<\/b>: accuracy is fine (' + Math.round(s.acc * 100) + '%) but you\\u2019ve only covered <b>' + Math.round(s.coverage * 100) + '%<\/b> of its questions \u2014 finish the set.', ch: s.chapter });\r\n    });\r\n    if (progress.weakAreas.length >= 3) recos.push({ ic: 'hot', icon: '\u26a0\ufe0f', txt: 'You have <b>' + progress.weakAreas.length + ' weak questions<\/b> flagged. One focused Weak-Areas session will clear the backlog.', weak: true });\r\n    const due = revisionDue();\r\n    if (due.length) recos.push({ ic: 'warm', icon: '\ud83d\udd01', txt: '<b>' + due.length + ' mastered questions<\/b> haven\\u2019t been touched in over ' + quizConfig.revisionGapDays + ' days \u2014 revise before they fade.' });\r\n    const best = [...stats].filter(s => s.acc !== null).sort((a, b) => b.acc - a.acc)[0];\r\n    if (best && best.acc >= 0.75) recos.push({ ic: 'good', icon: '\ud83c\udfc5', txt: 'Strongest area: <b>' + chShort(best.chapter) + '<\/b> at <b>' + Math.round(best.acc * 100) + '%<\/b> accuracy \u2014 bank these marks on exam day.' });\r\n    $id('aiRecoList').innerHTML = recos.map(r =>\r\n        '<div class=\"ai-reco\"><span class=\"ic ' + r.ic + '\">' + r.icon + '<\/span><p>' + r.txt + '<\/p>' +\r\n        (r.ch ? '<button class=\"go\" data-practice-ch=\"' + encodeURIComponent(r.ch) + '\">Practice \\u2192<\/button>' : r.weak ? '<button class=\"go\" data-practice-weak=\"1\">Start \\u2192<\/button>' : '') + '<\/div>'\r\n    ).join('');\r\n\r\n    \/\/ Performance table\r\n    $id('perfTableBody').innerHTML = byPriority.map(s => {\r\n        const accPct = s.acc === null ? null : Math.round(s.acc * 100);\r\n        const tag = s.acc === null ? '<span class=\"tag na\">Not started<\/span>'\r\n            : accPct < 45 ? '<span class=\"tag hot\">Critical<\/span>'\r\n            : accPct < 65 ? '<span class=\"tag warm\">Needs work<\/span>'\r\n            : accPct < 85 ? '<span class=\"tag ok\">On track<\/span>'\r\n            : '<span class=\"tag good\">Strong<\/span>';\r\n        const accBar = s.acc === null ? '\u2014' : '<div class=\"mini-track\"><div class=\"mini-fill\" style=\"width:' + accPct + '%;background:' + (accPct < 45 ? 'var(--red)' : accPct < 65 ? 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