Statement : An increasing number of farmers prefer to avail loans from local money leaders instead of the bank owing to complicated paperwork involved in banks. Course of action : I Local money leaders who charge interest rates lower than the bank should be punished II. Bank should simplify the procedure to avail of loans so as to suit the farmers.

• if only I follows
• if only II follows.
• if either I or II follows.
• if neither I nor II follows.