00278pab a2200121 454500008004000000100001700040245003500057260000900092300000800101362001100109650001400120773002200134180718b1996   xxu||||| |||| 00| 0 eng d  aUberoi, N.K.  aPreparing for the 21st century  c1996  ap.9  a11 Jul  aEducation  aFinancial Express