Questions

• First Bank to introduce Credit Card in India - Central Bank of India

• First Bank to introduce ATM  -  HSBC, 1987

• First Bank to introduce Internet Banking - ICICI Bank

• First Bank to introduce Mutual Funds - State Bank of India

$$\begin{gathered} 68 x ? - 3421 = 591 \\ ? = 4012/68 \\ ? = 59 x 59 \\ ? = 3481 \end{gathered}$$

1. Lichens are plants that grow in exposed places such as rocks or tree bark.

2.  Lichens are widely used as environmental indicators or bio-indicators. They can be used as air pollution indicators, especially of the concentration of sulfur-di-oxide in the atmosphere.  

3. They need to be very good at absorbing water and nutrients to grow there.

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