In the following passage, some of the words have been left out. Read the passage carefully and select the correct answer for the given blank out of the four alternatives.
We also need to work towards a re-engineering of procedures. It...........................that fear of being scrutinised by the office of the Central Vigilance Commissioner has........................loan officers in the no use public sector into inaction. It is having a publicly-owned banking.......................that does not extend credit to sound projects on grounds of scrutiny............. It .............that fear of being scrutinised by the office.