Interest is the sum charged for borrowing money for a fixed period of time. Principal is the term used for the money that is borrowed, and the rate of interest is the percent per year of the principal charged for its use. Most of the profits for a bank are derived from the interest that they charge for the use of their own or their depositor’s money.
All problems in interest may be solved by using one general equation that may be stated as follows:
Interest = Principal X Rate X Time
Any one of the four quantities – that is, interest, principal, rate, or time – may be found when the other three are known. The time is expressed in years. The rate is expressed as a decimal fraction. Thus, 6 percent interest means six cents charged for the use of $1 of principal borrowed for one year. Although the time may be less than, equal to, or greater than one year, most applications for loans are for periods of less than one year. For purpose of computing interest for short periods, the commercial year or 360 days is commonly used, but when large sums of money are involved, exact interest is computed on the basis of 365 days.

At 4 percent interest for the use of $1 principal, how much would one pay?

There are many theories about the beginning of drama in ancient Greek. The one most widely accepted today is based on the assumption that drama evolved from ritual. The argument for this view goes as follows. In the beginning human beings viewed the natural forces of the world, even the seasonal changes, as unpredictable, and they sought, through various means, to control these unknown and feared powers. Those measures which appeared to bring the desired results were then retained and repeated until they hardened into fixed rituals. Eventually stories arose which explained or veiled the mysteries of the rites. As time passed some rituals were abandoned, but the stories, later called myths, persisted and provided material for art and drama.
Those who believed that drama evolved out of ritual also argue that those rites contained the seed of theatre because music, dance, masks, and costumes were almost always used. Furthermore, a suitable site had to be provided for performances, and when the entire community did not participate, a clear division was usually made between the “acting area” and “auditorium”. In addition, there were performers, and since considerable importance was attached to avoiding mistakes in the enactment of rites. Religious leaders usually assumed that task. Wearing masks and costumes, they often impersonated other people, animals, or supernatural beings, and mimed the desired effect- success in hunt or battle, the coming rain, the revival of the Sun-as an actor might. Eventually such dramatic representations were separated from religious activities.
Another theory traces the theatre’s origin from the human interest in storytelling. According to this view, tales (about the hunt, war, or other feats) are gradually elaborated, at first through the use of impersonation, action, and dialogue by a narrator and then through the assumption of each of the roles by a different person. A closely related theory traces theatre to those dances that are primarily rhythmical and gymnastic or that are imitations of animal movements and sound.

The word “considerable” is closest in meaning to .............

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks.
          Keeping the World in Our Pockets
Faster processors and advances in memory technology have made today’s smartphones much more powerful than a lot of computers from just a decade ago. With wireless technology, people can surf the Internet, play online games, send e-mail, and do (1)............ all the things they once could only do on a computer. (2)......... , they have the power to do things constantly at their fingertips.
Many people (3)....... that while smartphones are powerful tools, they are making people reliant on them. Why would a person need to learn to read a map when he can get directions to anywhere by simply asking his phone a question? Who needs to learn maths when you have immense calculating power in your pocket at all times? What (4).........is there to memorise facts about history, art, or geography when that information is readily available from a portable Internet interface?
There are just some of the questions being asked and answered as smartphone usage continues to spread. Like any technology, smartphones have their advantages, but they do have disadvantages as well that we must (5).......... an eye on.
(5)............................

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
Edward Patrick Francis “Eddie” Eagan (April 26, 1897-June 14, 1967), was an amateur boxing star of the early 1920s. He was born into a poor family in Denver, Colorado. His father died in a railroad accident when Eagan was only a year old. He and his four brothers were raised by his mother, who earned a small income from teaching foreign languages.
Inspired by Frank Merriwell, the hero of a series of popular novels for boys, Eagan pursued an education for himself as well as an interest in boxing. He attended the University of Denver for a year before serving in the U.S. Army as an artillery lieutenant during World War I. After the war, he entered Yale University and, while studying there, won the U.S. national amateur heavyweight boxing title. He graduated from Yale in 1921, attended Harvard Law School, and received a Rhodes scholarship to the University of Oxford where he received his Master’s Degree in 1928.
While studying at Oxford, Eagan became the first American to win the British amateur boxing championship. Eagan won his first Olympic gold medal as a light heavyweight boxer at the 1920 Olympic Games in Antwerp, Belgium. Eagan also fought at the 1924 Olympics in Paris as a heavyweight but failed to get a medal.
Though he had taken up the sport just three weeks before the competition, he managed to win a second gold medal as a member of the four-man bobsled team at the 1932 Olympics in Lake Placid, New York. Thus he became the only athlete to win gold medals at both the Summer and Winter Olympics.
Eagan was a member of the first group of athletes inducted into the U.S. Olympic Hall of Fame in 1983. Eagan became a respected attorney, serving as an assistant district attorney for southern New York and as chairman of the New York State Athletic Commission (1945-51). He married soap heiress. Margaret Colgate and attained the rank of lieutenant colonel during World War II. He died at the age of 70, in Rye, New York.

The word “artillery” in paragraph 2 is closest in meaning to

The election of Andrew Jackson to the presidency in 1928 marked the political ascendancy of the “common man” in American politics. Whereas all previous presidents had been Easterners from well-to-do families, Jackson was a self-made man of modest wealth from the West. Born in 1767, Jackson fought in the American Revolution, in which many of his relatives died.
Afterwards, he studied law and moved to the Western District of North California. When that territory became the state of Tennessee, Jackson was elected the state’s first congressman. His name became a household word during the war of 1812, when, as a U.S Army major general, he led troops against the Creek Indians in the Mississippi Territory and later defeated the British at New Orleans.
After his presidential inauguration, Jackson rode on horseback to the White House to attend a private party. Crowds of well-wishers suddenly appeared at the reception and nearly destroyed the White House as they tried to glimpse the new president. The common man had made a dramatic entrance onto the national political scene.
Jackson’s two terms moved American society toward truer democracy. Many states abandoned property requirements for voting. Elected officials began to act more truly as representatives of the people than as their leaders. As president of the common man, Jackson waged a war against the Bank of the United States, vetoing the bill that re-chartered the institution, declaring it a dangerous monopoly that profited the wealthy few.
Although he had built his reputation as an Indian fighter during the War of 1812, Jackson was not an Indian hater. He adopted what was at the time considered an enlightened solution to the Indian problem-removal. Many tribes submitted peacefully to being moved to the West. Others were marched by force to the Indian Territory, under brutal conditions, along what the Cherokees called the Trail of Tears.
One of Andrew Jackson’s most enduring legacies was the Democratic Party, which under him became a highly organized political party. In opposition to the Democrats were the Whigs, a party that attracted supporters of the Bank of the United States and opposed the tyranny of the man called “King Andrew”. A less specific but more basic legacy is the populist philosophy of politics that still bears the name “Jacksonian Democracy.”

The author’s perspective toward Andrew Jackson could be best described as  ..............

The protozoans, minute, aquatic creatures each of which consists of a single cell of protoplasm, constitute a classification of the most primitive forms of animal life. They are fantastically diverse, but three major groups may be identified on the basis of their motility. The Mastigophora have one or more long tails, which they use to project themselves forward. The Ciliata, which use the same basic means for locomotion as the Mastigophora, have a larger number of short tails. The Sarcodina, which include amoebae, float or row themselves about on their crusted bodies.
In addition to their form of movement, several other features discriminate among the three groups of protozoans. For example, at least two nuclei per cell have been identified in the Ciliata, usually a large nucleus that regulates growth but decomposes during reproduction, and a smaller one that contains the genetic code necessary to generate the large nucleus.
Protozoans are considered animals because, unlike pigmented plants to which some protozoans are otherwise almost identical, they do not live on simple organic compounds. Their cell demonstrates all of the major characteristics of the cells of higher animals.
Many species of protozoans collect into colonies, physically connected to each other and responding uniformly to outside stimulate. Current research into this phenomenon, along with investigations carried out with advanced microscopes may necessitate a redefinition of what constitutes protozoans, even calling into question the basic premise that they have only one cell. Nevertheless, with the current data available, almost 40,000 species of protozoans have been identified. No doubt, as the technology improves our methods of observation, better models of classification will be proposed.

The word “they” in paragraph 3 refers to...............

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
Sir Anthony Van Dyck, one of the world’s greatest masters of portraiture, was born in Antwerp and was the seventh of twelve children. His affluent father apprenticed him to a painter when he was just a little over ten. Having become a member of the Antwerp Guild of painters before he was nineteen, he worked in the studio of Peter Paul Rubens for several years. In Italy, Van Dyck studied the great Venetian masters and painted flattering portraits of gorgeous ladies and haughty nobles in gilded velvet robes with lace and pearls. While he was sought after by the aristocracy for his acclaimed loose brushwork, his engravings and etchings also evinced his outstanding talent. Upon his return to Antwerp in 1628, he was influenced by Rubens’s interpretation of the artistic form and produced numerous religious paintings while holding an appointment as the court painter. During his tenure, he proved that his use of color, his sensitive elegance, and his remarkable insight were unexcelled.
His fame preceded him to England, where he was invited by King Charles I. After years of faithful service, he was knighted in recognition of his achievements in painting countless portraits of the king, the queen, the royal children, and the titled nobility of England.
However, Van Dyck’s greatest piece is one of his religious works, a true masterpiece displayed in the Antwerp gallery. This group scene exhibits his artful polish in painting the folds of fabric, the delicacy of human skin, landscape, and other externals, and puts him above other accomplished contemporary masters. Although Charles paid Van Dyck a salary and granted him a pension, the painter’s extravagant life-style and penchant for luxuries led him into debt, and he died without means.

What are the reasons given for Van Dyck’s financial decline?

The initial contact between American Indians and European settlers usually involved trade, whereby Indians acquired tools and firearms and the Europeans obtained furs. These initial events usually pitted Indian tribes against each other as they competed for the European trade and for the lands containing fur-producing animals. When the furs had been depleted, the Europeans began a campaign to obtain the lands the Indians occupied. The Indians often formed confederations and alliances to fight back the Europeans; however, the Indians’ involvement in the white people’s wars usually disrupted these confederations. Indians resisted the attempts by the whites to displace them. They fought defensive wars such as the Black Hawk War in 1832. Indian uprisings also occurred, like the Sioux uprising in the 1860s.
Despite the resistance of the Indians, the Europeans were destined to win the conflict. After Indian resistance was crushed, the whites legitimized the taking of Indian lands by proposing treaties, frequently offering gifts to Indian chiefs to get them sign the treaties. Once an Indian group had signed a treaty, the whites proceeded to remove them from their land. Often the Indians were forced west of the Mississippi into Indian Territory-land the whites considered uninhabitable. If only a few Indians remained after the conquest, they were often absorbed by local tribes or forced onto reservations.
No aspect of American history is more poignant than the accounts of the forced removal of Indians across the continent. As white settlers migrated farther west, Indians were forced to sign new treaties giving up the lands earlier treaties had promised them. Some Indian tribes, realizing the futility of resistance, accepted their fate and moved westward without force. The Winnebagos, who offered little resistance, were shifted from place to place between 1829 and 1866. About half of them perished during their perpetual sojourn. Other tribes, however, bitterly resisted. The Seminoles signed a treaty in 1832 but violently resisted removal. Hostilities broke out in 1835 and continued for seven years. The United States government lost nearly 1,500 men and spent over $50 million in its attempts to crush Seminole resistance. Most of Seminoles were eventually forced to Indian Territory. However, several hundred remained in the Florida Everglades, where their descendants live today.

The word “futility” could be best replaced by  ..............

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks.
           How the Internet Is Changing Our Language
There are words that we say today that 70 years ago weren’t even in (1)....... . If a person were to remark  to a 1950s businessman, “Go and check this website out on the Internet and get back to me via Facebook,” the businessman would have no clue as to what had just been said. We know exactly what the words mean, though, so they (2)....... perfect sense to us.
The problem that people are encountering today is the same as the 1950s businessman would have encountered - he would have  come (3).....a word that would mean nothing because he lived in a world where Internet technology is changing and progressing today at an even faster (4)........, and this is creating changes in the way we communicate. Our words are different, and even our means of (5)........those words across are different as well. Forget about a 60-plus year difference; we speak much differently than we did even 10 or 20 years ago.
(5).........................

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks.
            Finding Beauty in the City
Cities are known to have lives of their own, and photographers are able to (1).............. some of it. Whether taking shots of people walking on a crowded street or time-lapse shots of cars driving at night, the (2).......photos can be breathtaking. Because many of the shots taken are of man-made objects like architecture, many emotions that come into (3)........ wouldn’t be found in nature photography. Photos can show the wonder of a child staring at a fountain as water shoots upward in the sunlight. They can also show the sadder side, such as a camp of homeless people living in terrible poverty. (4)............ of what they show, there is always beauty to be found, even if it is beauty in something that is showing an ugly truth. Depending on the time of the day, photos taken in an urban environment can change drastically. To see the (5)............ of a building as its shadow is cast on the lawn of a park is always amazing to see.
(1).........................

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
In the United States, friendship can be close, constant, intense, generous and real, yet fade away in a short time if circumstances change. Neither side feels hurt by this. Both may exchange Christmas greetings for a year or two, perhaps a few letters for a while - then no more. If the same two people meet again by chance, even years later, they pick up the friendship where they left off and are delighted.
In the United States, you can feel free to visit people's homes, share their holidays, or enjoy their lives without fear that they are taking on a lasting obligation. Do not hesitate to accept hospitality because you can’t give it in turn. No one will expect you to do so for they know you are far from home. Americans will enjoy welcoming you and be pleased if you accept their hospitality easily.
Once you arrived there, the welcome will be fun, warm, and real. Most visitors find themselves readily invited into many homes there. In some countries it is considered inhospitable to entertain at home, offering what is felt as only home cooked food, not doing something for your guests." It is felt that restaurant entertaining shows more respect and welcome. Or for other different reasons, such as crowded space, language difficulties, or family customs, outsiders are not invited into homes.
In the United States, both methods are used, but it is often considered friendlier to invite a person to one's home than to go to a public place, except in purely business relationship. So, if your host or hostess brings you home, do not feel that you are being shown inferior treatment.
Don't feel neglected if you do not find flowers awaiting you in your hotel room, either. Flowers are very expensive there; hotel delivery is uncertain; arrival times are delayed, changed or cancelled - so flowers are not customarily sent as a welcoming touch. Please do not feel unwanted! Outward signs vary in different lands; the inward welcome is what matters, and this will be real.

Americans    their foreign friends to make a return for their hospitality.

It's called 42 - the name taken from the answer to the meaning of life, from the science fiction series The Hitchhiker's Guide to the Galaxy. 42 was founded by French technology billionaire Xavier Niel, whose backing means there are no tuition fees and accommodation is free. Mr Niel and his co-founders come from the world of technology and start-ups, and they are trying to do to education what Facebook did to communication and Airbnb to accommodation.
Students at 42 are given a choice of projects that they might be set in a job as a software engineer - perhaps to design a website or a computer game. They complete a project using resources freely available on the Internet and by seeking help from their fellow students, who work alongside them in a large open-plan room full of computers. Another student will then be randomly assigned to mark their work.
The founders claim this method of learning makes up for shortcomings in the traditional education system, which they say encourages students to be passive recipients of knowledge. "Peer-to-peer learning develops students with the confidence to search for solutions by themselves, often in quite creative and ingenious ways."
Like in computer games, the students are asked to design and they go up a level by completing a project. They graduate when they reach level 21, which usually takes three to five years. And at the end, there is a certificate but no formal degree. Recent graduates are now working at companies including IBM, Amazon, and Tesla, as well as starting their own firms.
"The feedback we have had from employers is that our graduates are more apt to go off and find out information for themselves, rather than asking their supervisors what to do next," says Brittany Bir, chief operating officer of 42 in California and a graduate of its sister school in Paris. Ms Bir says 42's graduates will be better able to work with others and discuss and defend their ideas - an important skill in the “real world” of work. "This is particularly important in computer programming, where individuals are notorious for lacking certain human skills," she says. 
But could 42's model of teacher less learning work in mainstream universities? Brittany Bir admits 42's methods do not suit all students. "It suits individuals who are very disciplined and self-motivated, and who are not scared by having the freedom to work at their own pace," she says.

What do 42’s graduates receive on completion of their course?

Choose the word or phrase among A, B, C or D that best fits the blank space in the following passage.

We won't have robot doctors for a long time, (1) ____ the human doctors we have now are beginning to learn on specialized artificial intelligence to help save time.

Google Deep Mind has just announced a partnership with University College London Hospital(UCLH) which will explore (2) ____ artificial intelligence to treat patients with head and neck cancers. The goal is to develop tools to automatically identify cancerous cells for radiology machines.

Currently, radiologists employ a manual process, called image (3) ____, to make CT and MRI scans and use them to create a map of the patient's anatomy with clear guidelines of where to direct the (4) ____.

Avoiding healthy areas of the head and neck requires that map to be extraordinarily detailed; typically it takes four hours to create. Google believes it can do the same job or better in one hour.

Deep Mind, Google's research arm, works primarily in deep learning, a form of artificial intelligence that learns to identify patterns from looking at large amount of data. In this case, DeepMind researchers will (5) ____ access to anonymized radiology scans from up to 700 former UCLH patients, and then feed them into (6) ____ that would process the scans to learn the visual difference between healthy and cancerous tissue.

The partnership will (7) ____ researchers to train their algorithms with highly-specialized, high- quality data, which theoretically will enable the algorithm to (8) ____ at a higher rate of success than if they had been using publicly available scans.

For those concerned about machines making health (9) ____ decisions, UCLH made it clear in a statement to the newspaper Guardian that clinicians will be in complete control of diagnoses and treatment.

DeepMind isn't the first care. Samsung Medison, the South Korean (10) ____ company's medical device arm, recently released an ultrasound machine that uses deep learning to quickly recommend whether breast tissue is cancerous or benign. The machine's algorithm was trained on 9,000 breast tissue scans, and is pending FDA approval in the US.

(5) ____

All mammals feed their young. Beluga whale mothers, for example, nurse their calves for some twenty months, until they are about to give birth again and their young are able to find their own food. The behavior of feeding of the young is built into the reproductive system. It is a nonselective part of parental care and the defining feature of a mammal, the most important thing that mammals-- whether marsupials, platypuses, spiny anteaters, or placental mammals -- have in common.
But not all animal parents, even those that tend their offspring to the point of hatching or birth, feed their young. Most egg-guarding fish do not, for the simple reason that their young are so much smaller than the parents and eat food that is also much smaller than the food eaten by adults. In reptiles, the crocodile mother protects her young after they have hatched and takes them down to the water, where they will find food, but she does not actually feed them. Few insects feed their young after hatching, but some make other arrangement, provisioning their cells and nests with caterpillars and spiders that they have paralyzed with their venom and stored in a state of suspended animation so that their larvae might have a supply of fresh food when they hatch.
For animals other than mammals, then, feeding is not intrinsic to parental care. Animals add it to their reproductive strategies to give them an edge in their lifelong quest for descendants. The most vulnerable moment in any animal's life is when it first finds itself completely on its own, when it must forage and fend for itself. Feeding postpones that moment until a young animal has grown to such a size that it is better able to cope. Young that are fed by their parents become nutritionally independent at a much greater fraction of their full adult size. And in the meantime those young are shielded against the vagaries of fluctuating of difficult-to-find supplies. Once a species does take the step of feeding its young, the young become totally dependent on the extra effort. If both parents are removed, the young generally do not survive.

The word "shielded" in line 22 is closest in meaning to.........

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
The pain of a migraine headache can virtually disable a person who suffers from it. Millions and millions of people suffer from migraines, although many of them do not even recognize that a migraine is different from a regular headache. A migraine is not at all the same as a normal headache, and it seems to have a very physical cause.
One symptom of a migraine is a precursor, which is a visual aura before an attack. Yet only about a third of patients actually experience that, and it is therefore not a requirement in the diagnosis. Other symptoms include increased pain when a person moves, nausea, and sensitivity to light and sound. Scientists now believe that migraines are caused, not by abnormal blood vessels as previously believed, but instead by a unique electrical disorder of brain cells. Physicians used to treat migraines with medicine to constrict blood vessels because of the belief that dilated blood vessels were the cause.
The new research has been enhanced by imaging devices that allow scientists to watch patients' brains during an attack. The results show that sufferers have abnormally excitable neurons, or brain nerve cells. Prior to the attack, the neurons suddenly fire off electrical pulses at the back of the brain, which ripple like waves on a lake after a stone hits the water. They ripple across the top and then the back of the brain, ultimately affecting the brain stem where the pain centers are located. The pain then generates possibly from the brain stem itself or from blood vessels inflamed by the rapidly changing blood flow, or perhaps from both.
Scientists have experimented by applying a powerful magnet to stimulate the neurons and discovered that some people's brains react differently than others'. When stimulation was applied to the brains of people who had suffered migraines, they saw the initial aura, and some actually suffered migraines. When the same stimulation was applied to the brains of people who had never suffered migraines, they realized no effect and the neurons showed no change.
Scientists and doctors continue to work on the research in an attempt to find the perfect treatment. It is considered important to treat migraines because it is believed that prolonged untreated attacks could cause physical changes in the brain leading to chronic pain.

The word enhanced in paragraph 4 is closest in meaning to

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
In the United States, friendship can be close, constant, intense, generous and real, yet fade away in a short time if circumstances change. Neither side feels hurt by this. Both may exchange Christmas greetings for a year or two, perhaps a few letters for a while - then no more. If the same two people meet again by chance, even years later, they pick up the friendship where they left off and are delighted.
In the United States, you can feel free to visit people's homes, share their holidays, or enjoy their lives without fear that they are taking on a lasting obligation. Do not hesitate to accept hospitality because you can’t give it in turn. No one will expect you to do so for they know you are far from home. Americans will enjoy welcoming you and be pleased if you accept their hospitality easily.
Once you arrived there, the welcome will be fun, warm, and real. Most visitors find themselves readily invited into many homes there. In some countries it is considered inhospitable to entertain at home, offering what is felt as only home cooked food, not doing something for your guests." It is felt that restaurant entertaining shows more respect and welcome. Or for other different reasons, such as crowded space, language difficulties, or family customs, outsiders are not invited into homes.
In the United States, both methods are used, but it is often considered friendlier to invite a person to one's home than to go to a public place, except in purely business relationship. So, if your host or hostess brings you home, do not feel that you are being shown inferior treatment.
Don't feel neglected if you do not find flowers awaiting you in your hotel room, either. Flowers are very expensive there; hotel delivery is uncertain; arrival times are delayed, changed or cancelled - so flowers are not customarily sent as a welcoming touch. Please do not feel unwanted! Outward signs vary in different lands; the inward welcome is what matters, and this will be real.

Which of the following is the best title for this passage?

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
Working on the computer is very tough on your body, which is not used to this modem type of work. Sitting has long been known to cause back pain and negatively influence circulation, which can promote cardiovascular disease. Extensive use of the keyboard and mouse can lead to stiffening of the muscles in your hands, arms, and neck. Staring at a bright screen for too long can cause dry eyes and headaches. So, computer work can be as unhealthy a job as you can imagine.
First and foremost, sitting for long stretches of time is a very serious health risk! Sitting affects your blood circulation, your back experiences a steady stress, you are more likely to drink and eat stuff that isn’t good for you, and you bum very little calories, making it more likely that you overeat. As a result, sitting contributes to a host of conditions, most notably gaining weight, diabetes, heart disease, cancer, and consequently a shortened life span.
Second, bad posture causes pain. You can develop bad posture from anything you do habitually, whether it’s sitting, standing, or walking. The typical consequences associated with bad posture while working on the computer are pain in the back, shoulder, and neck, often resulting in tension headaches.
Third, staring at the screen causes eve strain. Staring at a bright screen for hours can lead to eye fatigue or eye strain, headaches, blurred vision, burning, itching or tearing eyes, and temporary vision disorders. Fortunately, eye strain rarely results in a permanent condition and symptoms can be prevented or cured rather easily.
Last, but not least, emotional pressure and isolation cause anxiety and depression. Computers are very efficient tools in that they help us with getting more work done in less time. At the same time, you spend less face-to-face time with your colleagues, family, or friends. This can lead to isolation, anxiety, and depression, i.e. both physical and mental health issues. The symptoms are manifold and can include tense muscles, back pain, headaches, poor sleep (insomnia), increased or flat breathing, quickened pulse, and generally signs of stress, depression, or anxiety.

According to the passage, all the mentioned issues are     .

Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the correct answer to each of the questions:
Living things include both the visible world of animals, plants, and fungi as well as the invisible world of bacteria and viruses. On a basic level, we can say that life is ordered. Organisms have an enormously complex organization. We're all familiar with the intricate systems of the basic unit of life, the cell. Life can also "work." Living creatures can take in energy from the environment. This energy, in the form of food, is transformed to maintain metabolic processes and for survival. Life grows and develops. This means more than just replicating or getting larger in size. Living organisms also have the ability to rebuild and repair themselves when injured. Life can reproduce. Think about the last time you accidentally stubbed your toe. Almost instantly, you moved back in pain. Finally, life can adapt and respond to the demands placed on it by the environment. There are three basic types of adaptations that can occur in higher organisms.
Reversible changes occur as a response to changes in the environment. Let's say you live near sea level and you travel to a mountainous area. You may begin to experience difficulty breathing and an increase in heart rate as a result of the change in altitude. These symptoms go away when you go back down to sea level. Body-related changes occur as a result of prolonged changes in the environment. Using there previous example, if you were to stay in the mountainous area for a long time, you would notice that your heart rate would begin to slow down and you would begin to breath normally. These changes are also reversible. Genotypic changes (caused by genetic mutation) take place within the genetic makeup of the organism and are not reversible. An example would be the development of resistance to pesticides by insects and spiders.

Which of the following is NOT a feature of life?

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
A term 'megalopolis' (or megacity) was first used by French geographer Jean Gottman to describe the north-eastern United States in 1961. The term is used more widely now and is defined as an urban area of more than 10 million inhabitants dominated by a low-density housing. In 1995 there were 14 megacities. By 2020 there could be 30.
Megacities are the result of the process of urbanization. After cities grew into crowded urban centres, people who could afford to move into suburbs at the edge of the city. When the suburbs in turn became crowded, people moved into villages and dormitory towns outside the city, but within commuting distance. In this way, for the first time since industrialisation, the countryside began to gain population, whereas cities lost their inhabitants. In the 1980s St Louis and Detroit in the America lost between 35 and 47 per cent of their populations and London lost 15 per cent in the 20 years to 1971.
However, this movement away from cities does not mean that the city is dying. In fact it is spreading. From the old city develops a metropolitan area with many low-level urban developments. When these metropolitan areas merge together, they form megacities which contain over 10 million people. The largest of these is in America, called Boswash - a region over 300 miles long from Boston in the north to Washington, DC in the south with more than 44 million people. There are emerging megalopolises in Britain centred around London and the south-east, in Germany in the industrial region of the Ruhr and Japan in the Tokyo-Osaka-Kyoto region.

The highlighted word "these" in the passage refers to     .

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks.
These days in business, people have to face many challenging questions when designing and implementing new projects in undeveloped areas of the countryside. One issue which has to be faced is whether it is possible to introduce new technology without destroying the local environment. Economic (1)..... and environmental conservation are often seen as natural enemies. It is unfortunate that in the past this has often been true, and it has been necessary to choose between (2)......the project or protecting the environment. However, by taking environmental considerations (3)........ at an early stage in a project, companies can significantly reduce any impact on local plants and animals. For example, in southern Africa, a company called CEL was asked to put up 410 km of a power transmission line without disturbing the rare birds which inhabit that area. The project was carried out with (4)....... disturbance last summer. What may surprise many business people is the fact that this consideration for local wildlife did not in any way slow down the project. Indeed, the necessary advance  planning combined  with  local  knowledge  and  advanced technology, (5).......... that  the  project  was actually completed ahead of schedule. CEL was contracted to finish the job by October and managed to do so two months earlier.
(3).........................

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions:
Most volcanoes are found along an imaginary belt, called the Ring of Fire, that encircles the Pacific Ocean. However, volcanic activity takes place in many far-flung regions of the world such as Hawaii, Iceland, Europe, and even the floor of the earth’s oceans. The leading theory as to why volcanic activity, as well as earthquakes, takes place when and where it does is called the theory of “plate tectonics”. The theory holds that the outer shell of the earth is divided into many different rigid sections of rock, called plates. These plates are not static, they are in continuous motion over a layer of partly melted rock. While their movement may appear insignificant, at only several inches per year, it is not. Indeed, the collisions between plates caused by this almost imperceptible movement can have catastrophic consequences. Volcanic activity and earthquakes are concentrated near the boundaries of these giant, moving plates.
The majority of volcanoes are formed at te point where two plates collide. One of the plates is forced underneath the other. As the plate sinks, the earth’s heat and the friction of the movement cause a portion of the sinking plate to melt. This melted portion of plate is called magma, and when it reaches the earth’s surface it becomes a volcano. Volcanoes can also be created when two plates begin to diverge. Then, magma from below the earth’s crust moves up to fill the void between the two plates. Large quantities of lava spill out from the void. Volcanoes of this type usually are found not on land, but on the ocean floor. In extreme instances this can lead to the formation of gigantic, sunken mountain ranges like Mid-Atlantic Ridge that spans nearly the entire length of the Atlantic Ocean. The theory of plate tectonics also explains why some volcanic activity takes place so far from any known plate boundaries. Basically, these volcanoes are the result of huge column of magma, or plumes, that rise up and break through the surface of the earth.

The word “imperceptible" is closest in meaning to    .