Questions 41-45 In November, when India’s government unexpectedly scrapped 86% of the country’s currency notes, Vijay Shekhar Sharma seized the moment. As Indians scrambled to exchange the _41_ notes for new currency, Paytm, Sharma’s digital payments startup, went on a promotional spree. With _42_ ads, Sharma invited Indians to start using Paytm’s digital wallet to pay for everyday goods and services. It worked. By the end of 2016, Paytm had 177 million users, _43_ 122 million at the beginning of the year. Vijay had catapulted himself into a nation’s consciousness. It was a _44_ by a small-town boy who studied in a Hindi medium school before conquering the country’s Anglophone startup world. Now backed by Jack Ma of Alibaba, an investor in Paytm, Vjjay is _45_ into the more heavily regulated world of banking, with plans to offer digital accounts. He will face new challenges from deep-pocketed and more-experienced competitors, but knowing ViJay, he will win the next time around, too.