There are two possibilities,
Case 1: 4 out of 5 starting questions are answered then 6 out of remaining 8 questions. Possible number of ways is
5C4 × 8C6 = 140
Case 2: 5 out of 5 starting are answered and then 5 out of remaining 8. Possible number of ways is
5C5 × 8C5 = 56
So total number of ways is 140+56 = 196(option B)