Complete the text by adding suffixes, prefixes, or both with the root words in parentheses.

Time is the most (a) ______ (value) gift in human life. Those who remain (b) ______ (care) about its value suffer in the long run. (c) ______ (Punctual) is a great virtue that brings (d) ______ (prosper) and success. An (e) ______ (efficient) person can never make good use of time. It is said that time once lost is (f) ________ (retrieve). Proper (g) ______ (utilize) of time helps a person to become (h) _____ (discipline) and (i) ______ (determine) in achieving his goals. Therefore, the (j) _______ (realize) of the importance of time is essential for å meaningful life.