In the following question a statement is given followed by two courses of action. A course of action is taken for improvement, follow-up, etc.
Statement : An increasing number of farmers prefer to avail loans from local moneylenders instead of the banks owing to complicated paperwork involved in banks.
Courses of action:
I. Local money lenders who charge interest rates lower than the banks should be punished.
II. Banks should simplify the procedure to avail of loans so as to suit the farmers.
Give answer
1) if only course of action I follows.
2) if only course of action II follows.
3) if either course of action I or II follows.
4) if both courses of action I and II follow
5) if neither course of action I nor II follows.

Explanation

2