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SECTION B: ANSWER FOUR QUESTIONS ONLY

(10)

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(11)

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(11 contd)

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(14a)

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(14b)

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FURTHER MATHEMATICS ANSWERS

SECTION A: ANSWER ALL QUESTIONS

(1)

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(2)

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(3)

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(4)

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(5)

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(6)

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(7)

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5
COMMERCE OBJ
1-10: BBACABDDCB
11-20: ADBABCBABA
21-30: CAABCDDABB
31-40: DCADACCDAA
41-50: DCDCDABBAD

COMPLETED
6
NABTEB 2022 COMMERCE ANSWERS

INSTRUCTIONS: ANSWER 5 QUESTIONS ONLY

(1a) Commerce is concerned with the exchange (buying and selling) and distribution of goods and services WHILE  Industry is concerned with the actual production of goods and services.

(1b)
(i) Extractive occupation: This is concerned with the activities of those engaged in primary production, extracting the gifts of nature from the soil, sea or earth as miners, fishermen or farmers.

(ii) Manufacturing occupation: This is concerned with the activities of those engaged in processing of primary products as bakers, textile workers, etc.

(iii) Constructive occupation: This is concerned with the activities of those who convert the products of the manufacturers into various uses as furniture makers, road builders, etc.

(1c)
(i) Trade: This involves buying and selling both at home and abroad. It includes wholesaling and retailing of goods and services.

(ii) Banking/Financing: This involves the safe keeping, lending and exchange of money that facilitate trading activities.

(iii) Insurance: This involves the activities of those minimizing business risks.

(iv) Transport: This involves the physical movement of goods and people from points of production to the points of consumption.

(v) Communication: This involves the transmission of information for the smooth conduct of commercial activities.
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(2a)
(i) It is used to sell custom made or expensive/technical goods that need demonstration

(ii) It is a public relations tool that can be used to improve the firms' image.

(iii) It makes for two way communication which makes it possible for feedback.

(iv) It is also used to introduce new products instead of embarking on intensive advertisement.

(v) It is a form of promotion which encourages on the spot purchase by buyers.


(2b)
(i) Goods and services are made known to potential buyers through communication.

(ii) Communication facilitates contact between buyers and sellers irrespective of distance.

(iii) Demand for goods can be stimulated through effective communication.

(iv) The whole world had been turn into a global village through the use of information and communication technology/international or foreign trade.

(v) It facilitates intra and inter departmental communication in the running of business/Dissemination of information within the organisation.

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(3a)
(i) Consequential loss: This is the loss on profit and rent which arises as a result of destruction of insured property by fire.

(ii) Cover Note: This is a temporary document issued by the insurer to the proposed insured for the period before the policy itself will be ready.

(iii) Policy: This is the document that is issued by the insurer detailing the terms under which a cover is provided. The contract takes effect the moment a cover note is issued.

(3b)
(i) Insurance provides a ready means of compensation in case of damage to or loss of property, limb or life.

(ii) Risk protection: Insurance makes it possible for certain risks (insurable risks) to be taken off the shoulders of the businessman.

(iii) Insurance provides pool of funds for businessmen to draw from in times of need.

(iv) Insurance encourages businessmen to undertake businesses that ordinarily would have been considered risky and untouchable.

(v) Insurance encourages savings among businessmen.

(vi) Insurance policies can be used as collateral for the purpose of borrowing money from banks and other financial institutions.


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(4)
(i) Delivery note:
- It helps keep track of all the items delivered to customers
- help to remind a customer of their order and/or inform them of what is included in the current shipment

(ii) Debit note:
- Sent to the buyer when goods sold to him have been under-charged on an invoice.
- It informs the buyer that his account has been debited.

(iii) Receipt:
- It serves as a proof of payment
- It also necessary for tax purposes as proof of certain expenses

(iv) Consignment Note:
- It will state whether the freight has been paid or not.
- It will be signed on delivery of goods by the consignee as evidence of delivery.

(v) Invoice:
- It is document showing details of goods sold.
- It is used to write up the purchases/sales journals.
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(5a)
(i) Accepting Deposits
(ii) Providing Loans
(iii) Providing locker Facilities
(iv) Exchange of Securities

(5b)
(i) Accepting Deposits: Commercial banks accept deposits from their customers in the form of saving, fixed, and current deposits. 

(ii) Providing Loans: One of the main functions of commercial banks is providing credit to organizations and individuals, and profit from the earned interest. Usually, banks retain a small reserve for their expenses while offering the remaining amount to customers as various types of short and long-term credits.

(iii) Providing locker Facilities: Commercial banks provide locker facilities to customers who want to store valuables safely. Locker facilities eliminate the impending risk of theft or loss, which prevail when kept at home.

(iv) Exchange of Securities: Another function of commercial banks is to trade in bonds and securities. Customers can purchase or sell the units from the financial institution itself, which offers more convenience than alternate approaches.

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(8a)Market segmentation is the act of dividing a market into sub-markets  of buyers with common needs or characteristics and designing a marketing mix to satisfy their needs and wants.

(8b)
(i) Income: This looks at the consumer's disposable income. This group is made up of high, middle or low income earners. Their purchasing power and needs vary according to their income levels.

(ii) Sex/Gender: Here the gender of the consumers is taken into consideration when grouping the market, i.e whether they are males of females.

(iii) Geographic location: Under this, the market is grouped based on the location of the consumers. it can be urban, semi-urban, local, foreign or rural area. It may also take into consideration climatic or regional conditions.

(iv) Occupation: Market can be grouped to address the occupational requirements of the consumers. Different occupations determine the needs and wants of a buyer.

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(10a)
TABULATE
=REGISTERED MAIL=
(i) It is more expensive than ordinary mail
(ii) It is suitable for posting valuable items
(iii) It is handed over the counter to the postmaster
(iv) Evidence of delivery is available

=ORDINARY MAIL=
(i) It is cheaper than registered mail
(ii) It is suitable for posting less valuable items
(iii) It is posted by placing it in a postal box
(iv) Evidence of delivery is not available

(10b)
=MERITS OF RAIL TRANSPORT=
(i) It is suitable for large consignments of bulky goods over long distance.

(ii) The routes are usually direct and are not subject to traffic hold-ups.

(iii) Special trains may be arranged to suit certain goods.

(iv) It is less prone to accident and highway robbery

=DEMERITS OF RAIL TRANSPORT=
(i) Additional handling or transhipment is needed before goods reach their destination.

(ii) Fixed routes and set time-tables do inconvenience users.

(iii) It is too slow for perishable goods.
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7


BIOLOGY OBJ
01-10: CCCABDCBBB
11-20: DBADCBCDDC
21-30: BCBACAABCB
31-40: DABCBBBCAD
41-50: ACACCBACCB

COMPLETED
8
NABTEB 2022 BIOLOGY THEORY ANSWERS

INSTRUCTION: ANSWER 4 QUESTIONS ONLY, AT LEAST ONE FROM EACH SECTION


PART I

(1a)
(i)It explain changes in human body
(ii)It helps in the formation of professional careers
(iii)Provide answers to large scale problems
(iv)It gives rise to new scientific investigation
(v)The industries of silk,pearl,ivory,fishing etc have been developed with new technology due to the knowledge received from biology

(1b)
=ADVANTAGES=
(i) It leads to mutual interdependence between component cells or division of labour by component cells which leads to efficiency and increase in size
(ii) It increases adaptation to environment.
(iii) It leads to mutual interdependence between component cells or division of labour by component cells which leads to efficiency and increase in size.

=DISADVANTAGES=
(i) It leads to slower rate of expulsion of waste products from the cells
(ii) It leads to slower rate of diffusion of oxygen or other respiratory gas in higher organisms.

(1c)
(i) Mammals: Organ system
(ii) Hydra: Tissue 
(iii) Amoeba: Cell
(iv) Leaf: Organ
(v) Ear: Organ

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PART II

(2a)
(i) Carbondioxide
(ii) Present of chlorophyll
(iii) Water
(iv) Sunlight
(v) Temperature

(2b)
(i) They are usually small and are of dull colours.
(ii) They generally have long anthers protruding out of the flowers so that pollen may get blown off easily.
(iii) Pollen grains are small, smooth, light and they are not sticky to enable wind to be able to transport them to the next flower available
(iv) The stigma of a wind-pollinated flower is elongated and sticky with large surface area
(v) Large quantities of pollen grains are produced

(2ci)
TABULATE

=TROPIC MOVEMENT=
(i) It is a growth movement
(ii) Response to unilateral stimulus
(iii) Slow response
(iv) Not reversible
(v) Not due to cell tugor
(vi) Directional/positive /negative response

=NASTIC MOVEMENT=
(i) Not a growth movement
(ii) Response to diffuse stimulus
(iii) Fast response
(iv) Reversible
(v) Due to changes in cell tugor
(vi) Positive nor negative response

(2cii)
Tactic movement is a  movement of an entire plants or whole organism which is directed towards (positive) or away from (negative) a stimulus.
Example: The blooming of sunflower under the influence of the intensity of light. Movement of Chlamydomonas towards light
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(3ai)
Macronutrients are nutrients that provide calories or energy and are required in large amounts to maintain body functions and carry out the activities of daily life.

(3aii)
Micronutrients are nutrients that are required by the body in lesser amounts for its growth and development. They play a major role in the metabolic activities of the body

(3bi)
Macronutrients: Nitrogen, potassium

(3bii)
Micronutrients: Calcium, Zinc

(3ci)
Soil conservation is the prevention of soil loss from erosion or decreased fertility caused by acidification, over usage, salinisation or other chemical soil contamination.

(3cii)
- Contour farming
- Afforestation
- Crop Rotation
- Strip Cropping
- Checking Overgrazing

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PART III

(4a)
Diagram


(4b)
(i) Endoskeleton: Named vertebrate/Man/Fish/Lizard

(ii) Hydrostatic skeleton: Leeches/earthworm/hookworm

(iii) Exoskeleton: Named arthropods/insects/snail/crab

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(5a)
Balanced diet is a diet consisting of adequate amounts of all the necessary nutrients recommended for healthy growth and for efficient daily activities and functions.

(5b)
=CLASSES OF FOOD=
(i) Carbohydrates
(ii) Fat and oil
(iii) Protein
(iv) Vitamins
(v) Mineral
(vi) Water

=IMPORTANCE TO HUMAN DIET=
(i) Vitamins: Vitamin C is necessary for the synthesis of collagen, which provides structure to blood vessels, bone and ligaments.
(ii) Water: Water helps to maintain homeostasis in the body and transports nutrients to cells.

(5c)
(i) Ptyalin: Salivary gland
(ii) Pepsin: Gastric gland
(iii) Lipase: Pancreas
(iv) Amylase: Pancreas
(v) Renin: Gastric gland

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PART IV

(6ai)
Food chain is defined as a feeding relationship involving the transfer of energy through food from producers to consumers

(6aii)
A food web is defined as a complex feeding relationship among organisms in the same environment with two or more inter-related food chains

(6b)
II (Cowpea) –> IV (grasshopper) –> I (Lizard) –> III (Snake) –> V (Hawk)

(6c)
(i) Temperature
(ii) Relative humidity
(iii) Rainfall
(iv) Wind
(v) Light intensity
(vi) Soil moisture
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COMPLETED
9
GOVERNMENT OBJ
1AADDBACBCC
11BACCDCCADC
21BABACDDBCC
31CCCCBDABBC
41CBBDABCCAD

COMPLETED
10
GOVERNMENT THEORY ANSWERS

(2)
(i) Autonomous: The electoral body should be made autonomous rather than appendages of the executive arm government

(ii) Non-inference: There should be no political interference in the affairs of the commission

(iii) Appointment: The officials of the commission should not be appointed by the executive government

(iv) Integrity: Those to be appointed into the commission must be people of proven integrity and transparent honesty

(v) Legal backing: The commission should be adequately backed up with the laws to enable it command respect and obedience from political parties and candidates

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(4)
(i) A state is a territorial association of people with defined boundaries, while Government is an administrative institution within a state.

(ii) A state is more inclusive and therefore greater than government i.e. it embraces all the people and associations within a given area while Government is not as inclusive as the state.

(iii) A state is a continuing entity. It is therefore permanent. It can hardly be overthrown or changed. while Government is a temporary institution. It only lasts over a period of time. It can be overthrown

(iv) A state depends on government in carrying out its activities. while Government is the machinery by which the functions of a state are performed.

(v) A state has its elements, as population, territory, government and sovereignty. Government has its main organs as the legislature, executive and judiciary.

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(6)
(PICK ANY FIVE)
(i) Settlement of disputes: The traditional rulers performed some judicial functions by settling dispute among the people in their community

(ii) Creation of law enforcement: They also created law enforcement institutions like e.g age grades and masquerade to enable them maintain law and order in the community.

(iii) The use of ancestral spirits: The ancestral spirits were used by the traditional rulers to control their subjects which they believe guides their footsteps.

(iv) The use of sanction and punishments: These measures were applied against law breakers in the community, e.g banishment.

(v) The introduction of rewards: people who had contributed to the development of their areas were rewarded with titles or distribution of land and war booty.

(vi) Appointment of Chiefs: Chiefs were appointed by traditional rulers in order to use them to control their subjects

(vii) Conscription of youths: The traditional rulers conscripted youths to perform forced labour and serve in the British army during the world wars.

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(i) It increases the level of participation by individuals:
People become more involved with their government in a variety of ways when federalism is the structure in place. Elected officials are closer to what a citizen is than a state official under this structure, which means people can visit a local office to express their opinions without a fear of judgment. When we have a chance to embrace diversity as a culture, then it is an opportunity to draw upon each of our strengths to create something amazing. Other forms of government do not offer such an opportunity.

(ii) It provides a structure that diffuses governmental power:
Many forms of federalism look to create checks and balances throughout society as a way to create an equal governing process. By diffusing power to multiple branches of office. When power is not centralized in a government, then there are fewer issues with individual corruption that can impact the entire nation.

(iii) It creates a protection against tyranny:
This form of government will also make it challenging for a single branch of government to obtain complete control over the structure. There is no way to obtain runaway power in this structure unless voters approve of that process first. Even when there is a significant majority of one party in the government, it can still be difficult to create monumental changes that impact everyone. This process is one of the primary reasons why democratic countries choose this form over the other governing options which are available.

(iv) It encourages a system of cooperation:
Different communities have unique requirements that they must meet to maximize their quality of life. Instead of mandating that everyone follows the same set of laws, this system allows each community to create a foundation that works the best for their needs. If you travel to almost any town, city, or village in the United States, then you will discover a different set of laws, rules, and regulations to follow. Many of them are similar, but there are also several which are not.

(v) It allows the government to become more responsive to individual needs:
When a government is closer to its citizens, then it can provide a responsive solution when there are citizen needs, emergency situations, or changes that are necessary in the structure of laws. The local governments could distribute resources first instead of relying on the national government like the island because of the availability of local resources.

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(9a)
E government is the use of or application of information technologies (such as Internet and intranet systems) to government activities and processes in order to facilitate the flow of information from government to its citizens, from citizens to government and within government.

(9b)
(i) Inclusive Governance; E-governance helps in building trust between governments and citizens, an essential factor in good governance by using internet-based strategies to involve citizens in the policy process, illustrating government transparency and accountability.

(ii) Easy and Quick Implementation; With e-government, paperwork has been made so simple and intuitive. This facilitates sharing of information and ideas between all government agencies and department to build one mega data base. Getting the government decisions and policies across to the citizens is easy as well.

(iii) High Operational Efficiency; What matters a lot to citizens is the efficiency of the services being provided. The effectiveness of government is measured by the quality of its interactions with citizens. The processing of paperwork in a traditional government system is a difficult task which consumes a lot of resources.

(iv) High Level of Trust on Government; For any government to survive or maintain or keep control of power, such government must win the trust of the majority of the citizens. E-government can always afford that for any government that embraces it. It improves services through better understanding of citizens’ requirements, thus aiming for seamless online services.

(v) Reduces Costs of Running a Government; E-government is very cost effective. Let’s take for example that government wants to seek a public opinion on an issue, with e-government system it can take a survey and the opinion very fast at extremely low cost. That also applies when government would want to capture some data.
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