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.
A commercial year is used to compute ..............
Suy nghĩ và trả lời câu hỏi trước khi xem đáp án
Lời giải:
Báo saiFor purpose of computing interest for short periods, the commercial year or 360 days is commonly used
Đối với mục đích tính toán lãi suất trong thời gian ngắn, năm thương mại hoặc 360 ngày thường được sử dụng
Câu hỏi liên quan
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Of all the aspirations which make up the American Dream, perhaps the most prominent is to own one’s own home. Americans are very proud of their homes and spend a great deal of time maintaining their houses and keeping the property in good condition. A man's home is often called his castle, and the hours spent keeping his fortress safe and secure become one of his greatest pleasures.
If a home is in an especially fashionable neighborhood, the owners may consult an interior decorator to give the home a certain coordinated appearance. If there is a large back yard, great care may be spent in having it properly landscaped with exotic trees, shrubs and plants.
It is almost a certainty that you should be the first visitor to an American home, you will be taken on a grand tour of the premises. The owner will take great pride in showing to you the place he calls home. Every closet, every cabinet and closed door will be opened so that you can actually see the extent and value of his home. You will even be taken into the father's den and the mother's sewing room. These are special rooms for the respective man and woman of the house to insure their privacy. They may be off-limits to the rest of the family but, for the visitor they are open to scrutiny and inspection.
It is, of course, considered polite on the tour to comment favorably on each room picking out its most salient, important feature, such as the special view from the window, the vaulted ceiling in the foyer or the exotic choice of wallpaper in the bathroom.
The finished basement is a special cause for pride for the family with its exercise room, video games, carpenter shop and launderette. In most homes it is here that the family entertains itself in the evening while the rest of the house becomes more of a showcase. On your tour you may be reminded of the hours the owners had spent "fixing up the house" so it would be "nice for the kids to bring over their friends". You may even sense a feeling of competition in knowing that they have not only "kept up with the Joneses" but also have far surpassed them.
The tour will terminate after an hour or so somewhere on the back lawn next to the two-car air- conditioned garage where you may be treated to a snack and light refreshment.
Showing off one's home is more than an exercise in vanity. It is a tribute to one's accomplishment. It is a way of saying that a man has been a good provider for his family and that he has realized one of his dreams.What is considered polite behavior if you are taken on a grand tour of someone's home?
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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.
Loneliness is a curious thing. Most of us can remember feeling most lonely when we were not in fact alone at all, but when we were surrounded by people. Everyone has experienced, at some time, that utter sense of isolation that comes over you when you are at a party, in a room full of happy laughing people, or in an audience at a theatre or a lecture. It suddenly seems to you as if everybody knows everybody else, everybody is sure of himself, everybody knows what is going on; everybody, that is, except you. This feeling of loneliness which can overcome you when are in a crowd is very difficult to get rid of. People living alone - divorced, widowed or single people - are advised to tackle their loneliness by joining a club or society, by going out and meeting people. Does this really help? And what do you do if you are already surrounded by people? There are no easy solutions. Your first day at work, or at a new school or university, is a typical situation in which you are likely to feel lonely. You feel lonely because you feel left out of things. You feel that everybody else is full of confidence and knows what to do, but you are adrift and helpless. The fact of the matter is that, in order to survive, we all put on a show of self-confidence to hide our uncertainties and doubts. So it is wrong to assume that you are alone. In a big city it is particularly easy to get the feeling that everybody except you is leading a full, rich, busy life. Everybody is going somewhere, and you tend to assume that they are going somewhere nice and interesting, where they can find life and fulfilment. You are also going somewhere, and there is no reason at all to believe that your destination is any less, or, for that matter, any more exciting than the next man's. The trouble is that you may not be able to hide the fact that you are lonely, and the miserable look on your face might well put people off. After all, if you are at a party you are not likely to try to strike up a conversation with a person who has a gloomy expression on his face and his lips turned down at the comers. So trying to look reasonably cheerful is a good starting point in combating loneliness, even if you are choking inside. The next thing to avoid is finding yourself in a group where in fact you are a stranger, that is, in the sort of group where all the other people already know each other. There is a natural tendency for people to stick together, to form 'cliques'. You will do yourself no good by trying to establish yourself in a group which has so far managed to do very well without you. Groups generally resent intrusion, not because they dislike you personally, but because they have already had to work quite hard to turn the group into the functioning unit. To include you means having to go over a lot of ground again, so that you can learn their language, as it was, and get involved in their conversation at their level. Of course if you can offer something the group needs, such as expert information, you can get in quickly. In fact the surest way of getting to know others is to have an interest in common with them. There is no guarantee that you will then like each other, but at least part of your life will be taken up with sharing experiences with others. It is much better than always feeling alone. If all this seems to be a rather pessimistic view of life, you have to accept the fact that we are all alone when it comes down to it. When the most loving couple in the world kiss and say goodnight, as soon as the husband falls asleep, the wife realizes that she is alone, that her partner is as far away as if he were on another planet. But it is no cause for despair: there is always tomorrow.The usual advice for overcoming loneliness is to..................
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Fill in each numbered blank with one suitable word or phrase.
In 1986 Vietnam (1)_____ a political and economic innovation campaign (Doi Moi) that introduced reforms intended to facilitate the transition from a centralized economy to a “socialist-oriented market economy”. Doi Moi combined government planning with free-market incentives. The program abolished agricultural (2) _____, removed price controls on agricultural goods, and enabled farmers to sell their goods in the marketplace. It encouraged the establishment of private businesses and foreign investment, including foreign-owned (3) _____.
By the late 1990s, the success of the business and agricultural (4) _____ ushered in under Doi Moi was evident. More than 30,000 private businesses had been (5) _____, and the economy was growing at an annual rate of more than 7 percent. From the early 1990s to 2005, poverty (6) _____ from about 50 percent to 29 percent of the population. However, progress varied geographically, with most prosperity concentrated in urban areas, (7) _____ in and around Ho Chi Minh City. In general, rural areas also made progress, as rural households (8) _____ in poverty declined from 66 percent of the total in 1993 to 36 percent in 2002. (9) _____ contrast, concentrations of poverty remained in (10) _____ rural areas, particularly the northwest, north-central coast, and central highlands. Government control of the economy and a nonconvertible currency have protected Vietnam from what could have been a more severe impact resulting from the East Asian financial crisis in 1997.
(4)_____
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Are organically grown foods the best food choices? The advantages claimed for such foods over conventionally grown and marketed food products are now being debated. Advocates of organic foods - a term whose meaning varies greatly - frequently proclaim that such products are safer and more nutritious than others.
The growing interest of consumers in the safety and nutritional quality of the typical North American diet is a welcome development. However, much of this interest has been sparked by sweeping claims that the food supply is unsafe or inadequate in meeting nutritional needs.
Although most of these claims are not supported by scientific evidence, the preponderance of written material advancing such claims makes it difficult for the general public to separate fact from fiction. As a result, claims that eating a diet consisting entirely of organically grown foods prevents or cures disease or provides other benefits to health have become widely publicized and form the basis for folklore.
Almost daily the public is besieged by claims for “no-aging” diets, new vitamins, and other wonder foods. There are numerous unsubstantiated reports that natural vitamins are superior to synthetic ones, that fertilized eggs are nutritionally superior to unfertilized eggs, that untreated grains are better than fumigated grains, and the like.
One thing that most organically grown food products seem to have in common is that they cost more than conventionally grown foods. But in many cases consumers are misled if they believe organic foods can maintain health and provide better nutritional quality than conventionally grown foods. So there is real cause for concern if consumers, particularly those with limited incomes, distrust the regular food supply and buy only expensive organic foods instead.The word “maintain” has closest meaning with ............
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Since the dawn of time, people have found ways to communicate with one another. Smoke signals and tribal drums were some of the earliest forms of communication. Letters, carried by birds or by humans on foot or on horseback, made it possible for people to communicate larger amounts of information between two places. The telegram and telephone set the stage for more modern means of communication. With the invention of the cellular phone, communication itself has become mobile.
For you, a cell phone is probably just a device that you and your friends use to keep in touch with family and friends, take pictures, play games, or send text message. The definition of a cell phone is more specific: it is a hand- held wireless communication device that sends and receives signals by way of small special areas called cells.
Walkie - talkies, telephones and cell phones are duplex communication devices: They make it possible for two people to talk to each other. Cell phones and walkie- talkies are different from regular phones because they can be used in many different locations. A walkie- talkie is sometimes called a half- duplex communication device because only one person can talk at a time. A cell phone is a full- duplex device because it uses both frequencies at the same time. A walkie-talkie has only one channel. A cell phone has more than a thousand channels. A walkie- talkie can transmit and receive signals across a distance of about a mile. A cell phone can transmit and receive signals over hundreds of miles. In 1973, an electronic company called Motorola hired Martin Cooper to work on wireless communication. Motorola and Bell Laboratories (now AT& T) were in a race to invent the first portable communication device.
Martin Cooper won the race and became the inventor of the cell phone. On April 3, 1973, Cooper made the first cell phone call to his opponent at AT& T while walking down the streets of New York city. People on the sidewalks gazed at cooper in amazement. Cooper's phone was called A Motorola Dyna- Tac. It weighed a whopping 2.5 pounds (as compared to today's cell phones that weigh as little as 3 or 4 ounces)
After the invention of his cell phone, Cooper began thinking of ways to make the cell phone available to the general public. After a decade, Motorola introduced the first cell phone for commercial use. The early cell phone and its service were both expensive. The cell phone itself cost about $ 3, 500. In 1977, AT & T constructed a cell phone system and tried it out in Chicago with over 2, 000 customers. In 1981, a second cellular phone system was started in the Washington,D.C and Baltimore area. It took nearly 37 years for cell phones to become available for general public use. Today, there are more than sixty million cell phone customers with cell phones producing over thirty billion dollars per years.To whom did Cooper make his first cell phone call?
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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:
When another old cave is discovered in the south of France, it is not unusual news. Rather, it is an ordinary event. Such discoveries are so frequent these days that hardly anybody pays heed to them. However, when the Lascaux cave complex was discovered in 1940, the world was amazed. Painted directly on its walls were hundreds of scenes showing how people lived thousands of years ago. The scenes show people hunting animals, such as bison or wild cats. Other images depict birds and, most noticeably, horses, which appear in more than 300 wall images, by far outnumbering all other animals.
Early artists drawing these animals accomplished a monumental and difficult task. They did not limit themselves to the easily accessible walls but carried their painting materials to spaces that required climbing steep walls or crawling into narrow passages in the Lascaux complex.
Unfortunately, the paintings have been exposed to the destructive action of water and temperature changes, which easily wear the images away. Because the Lascaux caves have many entrances, air movement has also damaged the images inside.
Although they are not out in the open air, where natural light would have destroyed them long ago, many of the images have been deteriorated and are barely recognizable. To prevent further damage, the site was closed to tourists in 1963, 23 years after it was discovered.Which title best summarizes the main idea of the passage?
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The Robots Are Doing the Thinking
Some robots may take care of the dishes, do your laundry, keep the house clean, or even go to the store to do your shopping. Robots that use artificial intelligence are the ones that a lot of people are holding out for. Not only will these robots be able to take care of (1)__________, but they will be able to learn as well.
There are some types of robots that already use a form of artificial intelligence called “swarm intelligence”. As a(n) (2)___________ of how this works, scientists have created underwater robots that will be used to repair coral reefs that have been damaged. What these robots do is work together to rebuild damaged reefs. As they (3)__________, each one knows what has been done in one area of a reef and can help build other areas or build onto something that another robot has done. Working together, the robots create a new reef that can then be (4)__________ to grow and thrive on its own.
Amazon, the major electronic commerce company, has recently come (5)_________ an ingenious idea. Instead of having a package delivered to a customer via delivery truck, Amazon will send out flying drones that will bring a package to a person’s house for delivery almost immediately.
(2)__________
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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:
It is often the case with folktales that they develop from actual happenings but in their development lose much of their factual base; the story of Pocahontas quite possibly fits into this category of folktale. This princess of the Powhatan tribe was firmly established in the lore of early America and has been made even more famous by the Disney film based on the folktale that arose from her life. She was a real-life person, but the actual story of her life most probably different considerably from the folktale and the movie based on the folktale. Powhatan, the chief of a confederacy of tribes in Virginia, had several daughters, none of whom was actually named Pocahontas. The nickname means “playful one,” and several of Powhatan’s daughters were called Pocahontas. The daughter of Powhatan who became the subject of the folktale was named Matoaka. What has been verified about Matoaka, or Pocahontas as she has come to be known, is that she did marry an Englishman and that she did spend time in England before she died there at a young age. In the spring of 1613, a young Pocahontas was captured by the English and taken into Jamestown. There she was treated with courtesy as the daughter of chief Powhatan. While Pocahontas was at Jamestown, English gentlemen John Rolfe fell in love with her and asked her to marry. Both the governor of the Jamestown colony and Pocahontas’s father Powhatan approved the marriage as a means of securing peace between Powhatan’s tribe and the English at Jamestown. In 1616, Pocahontas accompanied her new husband to England, where she was royally received. Shortly before her planned return to Virginia in 1617, she contracted an illness and died rather suddenly.
A major part of the folktale of Pocahontas that is unverified concerns her love for English Captain John Smith is the period of time before her capture by the British and her rescue of him from almost certain death. Captain John Smith was indeed at the colony of Jamestown and was acquainted with Powhatan and his daughters, he even described meeting them in 1612 journal. However, the story of his rescue by the young maiden did not appear in his writing until 1624, well after Pocahontas had aroused widespread interest in England by her marriage to an English gentlemen and her visit to England. It is the discrepancy in dates that has caused some historians to doubt the veracity of the tale. However, other historians do argue quite persuasively that this incident did truly take place.The main idea of the passage is that .
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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.
Many scientists believe our love of sugar may actually be an addiction. When we eat or drink sugary foods, the sugar enters our blood and affects parts of our brain that make us feel good. Then the good feeling goes away, leaving us wanting more. All tasty foods do this, but sugar has a particularly strong effect. In this way, it is in fact an addictive drug, one that doctors recommend we all cut down on.
"It seems like every time I study an illness and trace a path to the first cause, I find my way back to sugar," says scientist Richard Johnson. One- third of adults worldwide have high blood pressure, and up to 347 million have diabetes. Why? "Sugar, we believe, is one of the culprits, if not the major culprit," says Johnson.
Our bodies are designed to survive on very little sugar. Early humans often had very little food, so our bodies learned to be very efficient in storing sugar as fat. In this way, we had energy stored for when there was no food. But today, most people have more than enough. So the very thing that once saved us may now be killing us.
So what is the solution? It's obvious that we need to eat less sugar. The trouble is, in today's world, it's extremely difficult to avoid. From breakfast cereals to after-dinner desserts, our foods are increasingly filled with it. Some manufacturers even use sugar to replace taste in foods that are advertised as low in fat.
But there are those who are fighting back against sugar. Many schools are replacing sugary desserts with healthier options like fruit. Other schools are growing their own food in gardens, or building facilities like walking tracks so students and others in the community can exercise. The battle has not yet been lost.Which of the following statements about sugar is NOT true?
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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.According to the passage, how do some insects make sure their young have food?
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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:
Line Europeans who arrived in the Americas, the first American Indians were immigrants. Because Indians were nomadic hunters and gatherers, they probably arrived in search of new hunting grounds from Asia when they crossed the ice-covered Bering Strait to Alaska. Anthropologists estimate that the entire Indian population north of Mexico was slightly greater than 1,020,000 when the first settlers arrived from Europe. Although Native Americans belonged to one geographic race, their cultures and languages were only marginally similar, and by and large, they had different ways of life. Nomadic migrations required Indians to construct shelters that did not need to be transported, but could be easily erected from the materials found in their new location.
Eastern Woodland Indian tribes lived in bark-covered wigwams that were shaped like cones or domes. The frame for the hut was made of young trees firmly driven into the ground, and then bent overhead to tie together with bark fibers or strings of animal hides. Sheets and slabs of bark were attached to the frame to construct the roof and walls, leaving an opening to serve as a door and to allow smoke to escape. The Iroquois in north eastern regions built longhouses that were more spacious than wigwams because five to a dozen families lived under one roof. During the winter, they plastered clay to the poles of the frame to protect the inhabitants from wind and rain.
Pueblo Indians who lived in the southwest portion of the United States in northern Arizona and New Mexico constructed elaborate housing with several stories and many rooms. Each family unit had only one room, and their ancestors dug shelters in the walls of cliffs and canyons. The ground story of a Pueblo dwelling had no doors or windows in order to prevent enemies from entering. The next level was set back the width of one room, and the row of rooms above it was set back once again, giving their houses the appearance of a terrace Pueblos used ladders to climb to the upper levels and pulled them in when all family members returned for the night.
Indians living in deserts used sandstone and clay as construction materials. Those who lived in the valleys of rivers even made bricks of clay with wood chips to add strength and to prevent the clay from cracking. To make roofs, Pueblos tied logs together to make rafters and laid them across the two outside walls. On top of the rafters, layers of tree branches, sticks, grass, and brush created a solid roof to preclude the water from leaking inside. Pueblo dwellings were dark because windows were often not large enough to allow much light.What was the main difference between the dwelling of Pueblo and Woodland Indians?
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Before the 1500’s, the Western plains of North America were dominated by farmers. One group, the Mandans, lived in the upper Missouri River country, primarily in present-day North Dakota. They had large villages of houses built close together. The tight arrangement enabled the Mandans to protect themselves more easily from the attacks of others who might seek to obtain some of the food these highly capable farmers stored from one year to the next.
The women had primary responsibility for the fields. They had to exercise considerable skill to produce the desired results, for their northern location meant fleeting growing seasons. Winter often lingered; autumn could be ushered in by severe frost. During the spring and summer, drought, heat, hail, grasshoppers, and other frustrations might await the wary grower.
Under such conditions, Mandan women had to grow maize capable of weathering adversity. They began as early as it appeared feasible to do so in the spring, clearing the land, using fire to clear stubble from the fields and then planting. From this point until the first green corn could be harvested, the crop required labor and vigilance. Harvesting proceeded in two stages. In August the Mandans picked a smaller amount of the crop before it had matured fully. This green corn was boiled, dried, and shelled, with some of the maize slated for immediate consumption and the rest stored in animal-skin bags. Later in the fall, the people picked the rest of the corn. They saved the best of the harvest for seeds or for trade, with the remainder eaten right away or stored for later use in underground reserves. With appropriate banking of the extra food, the Mandans protected themselves against the disaster of crop failure and accompanying hunger.
The women planted another staple, squash, about the first of June, and harvested it near the time of the green corn harvest. After they picked it, they sliced it, dried it, and strung the slices before they stored them. Once again, they saved the seed from the best of the year`s crop. The Mandans also grew sunflowers and tobacco; the latter was the particular task of the older men.The Mandans built their houses close together in order to .........
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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:
“They told me I could never walk again. But when I listened to music, I forgot all about the pain. I found the strength I didn’t know I had.”Ninety-two-year-old Tina Goodman, who regained her ability to walk, thanks to music.
This is just one of the many stories in Fettaro’s book “The Healing Power of Music” . Fettaro tries to show just how important music is in our lives and how it can help us to be healthy and happy.
According to Fettaro, music can make sick people again. In fact, his book comes with a CD of recordings, each one specially designed to help with a number of health problems.
Fettaro, e well-known music therapist, promises that by reading his book, you will be able to develop the healing power of music in your life. He says this will help you fight headaches and back pain, as well as reduce stress, high blood pressure, and many other common illnesses.
Certainly, I accept that listening to certain types of music can help with particular problems, such as stress. I am also comfortable with Fettaro’s claim that by reading his book, you’ll be able to create a peaceful enviroment to help you relax in your home. I found the relaxation and breathing techniques very useful. Similarly his claim that music help you sleep better seems reasonable. Yet when he goes on to promise his music therapies will help cure depression and even cancer, he begins to sound a little bit unbelievable.
Nevertheless, for those of you who are interested in the power of music to heal, this is a great book to buy. It’s a thorough introduction to the history and practice of music therapy. Fettaro writes in a simple, easy to understand way and shows clearly how music can affect us positively. His basic message-that music can improve our lives-is well-presented and clear. It may even be true that certain techniques covered here can help some people recover from unpleasant health problems. However, his promises of “amazing results” seem impossible to justify.What was Tina Goodman’s problem?
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Bees, classified into over 10,000 species, are insects found in almost every part of the world except the northernmost and southernmost regions. One commonly known species is the honeybee, the only bee that produces honey and wax. Humans use the wax in making candles, lipsticks, and other products, and they use the honey as a substance that people eat to maintain life and growth. While gathering the nectar and pollen with which they make honey, bees are simultaneously helping to fertilize the flowers on which they land. Many fruits and vegetables would not survive if bees did not carry the pollen from blossom to blossom.
Bees live in a structured environment and social structure within a hive, which is a nest with storage space for the honey. The different types of bees each perform a unique function. The worker bee carries nectar to hive in a special stomach called a honey stomach. Other workers make beeswax and shape it into a honeycomb, which is a waterproof mass of six-sided compartments, or cells. The queen lays eggs in completed cells. As the workers build more cells, the queen lays more eggs.
All workers, like the queen, are female, but the workers are smaller than the queen. The male honeybees are called drones; they do no work and cannot sting. They are developed from unfertilized eggs, and their only job is to impregnate a queen. The queen must be fertilized in order to lay more worker eggs. During the season when less honey is available and the drone is of no further use, the workers block the drones from eating the honey so that they will starve to death.The word “which” refers to ........
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Choose the word or phrase among A, B, C or D that best fits the blank space in the following passage:
"Quite apart from the economic similarity between present-day automation and the mechanization which has been proceeding for centuries, it must also be stressed that even in the United States automation is by no means the only factor (1)….. people from existing jobs.
The increasing number of unneeded workers in (2)…. years has been the result of much more simple and old-fashioned influences: farm labourers have been (3)…. out of work by bigger tractors, miners by the cheapness of oil, and railwaymen by better roads.
It is quite wrong, therefore, to think of automation as some new monster whose arrival (4)…. the existence of employment in the same way that the arrival of myxomatosis threatened the existence of the rabbit. Automation is one (5)….. of technological change, which itself is only one of the several changes (changes in tastes, changes in social patterns, changes in organization) which (6)…. in certain jobs disappearing and certain skills ceasing to be required. And even in America, which has a level of technology and output per (7)…. much in (8)….. of Britain’s, there is no (9)…. that the (10)…. of change is actually speeding up.
Nevertheless changes in the amount of labour needed to produce a certain output are proceeding fairly rapidly in America - and in other countries - and my proceed more rapidly in future. Indeed it is one of the main objects of economic policy."3. farm labourers have been (3)…. out of work by bigger tractors, miners by the cheapness of oil, and railwaymen by better roads.
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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:
You might be surprised to know that bicycles have existed for less than two hundred years. Though the earliest comes from a sketch said to be from 1534 and attributed to Gian Giacomo, there are several early but unverified claims for the invention of the modem bicycle. No one is sure who invented this popular two- wheeled machine, but it was probably either the German Karl von Drais, in 1817, or the American W K Clarkson, in 1819. The early models didn't look much like the bicycles of today. The front wheel was much bigger than the back one, and also there weren't any pedals - riders had to move themselves forward by pushing their feet against the ground. Pedals finally arrived in the 1840s, and in 1879 an Englishman named Henry Lawson had the idea of connecting them to the back wheel with a chain. Gears, which made things much easier for those cycling uphill, first appeared in the 1890s.
There are now approximately one billion bicycles in the world - more than twice the total number of cars - and they are the main form of transport in some developing countries. They have to compete with cars on the streets of all the world’s cities, and the two forms of transport don't always mix well. In London in 2005, for example, over 300 cyclists were either killed or seriously injured in accidents involving cars. Even though bicycles are much more environmentally friendly than cars, most governments don't do much to encourage people to ride rather than drive. In China, which is famous for having a huge number of bicycles (about 200 million), the authorities in the city of Shanghai even banned cycling for a while in 2003.
Cycling is on the rise is the United Kingdom, and the number of annual journeys made by bike in London has increased 50% over the last five years. Experts say there is a mixture of reasons for this boom: concerns about the environment, the desire to keep fit, and also the fact that cycling is often not only cheaper but also quicker than travelling by car.
However, although one in three British adults owns a bicycle, they still don't use them nearly as much as they could. Bikes are used for a mere 2% of journeys in the UK, while the figure for the Netherlands is an impressive 27%.
Cycling is becoming more popular as a competitive sport, and the most famous race is of course the three-week Tour de France, which takes place every July. American Lance Armstrong won it every year from 1999 to 2005 - one of the greatest individual sporting achievements of all time.Why didn't early bicycles look much like today's models?
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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:
Every year about two million people visit Mount Rushmore, were the faces of four U.S presidents were carved in granite by sculptor Gutzon Borglum and his son, the late Lincoln Borglum. The creation of the Mount Rushmore monument Line took 14 years – from 1927 to 1941 – and nearly a million dollars. There were times when money was difficult to come by and many people were jobless. To move more than 400,000 tons of rock, Borglum hired laid-off workers from the closed-down mines in the Black Hills area. He taught these men to dynamite, drill, carve, and finish the granite as they were hanging in midair in his specially devised chairs, which had many safety features. Borglum was proud of the fact that no workers were killed or severely injured during the years of blasting and carving.
During the carving, many changes in original design had to be made to keep the carved heads free of large fissures that were uncovered. However, not all the cracks could be avoided, so Borglum concocted a mixture of granite dust, white lead, and linseed oil to fill them.
Every winter, water from melting snows gets into the fissures and expands as it freezes, making the fissures bigger. Consequently, every autumn maintenance work is done to refill the cracks. The repairers swing out in space over a 500-foot drop and fix the monument with the same mixture that Borglum used to preserve this national monument for future generations.Today, Mount Rushmore needs to be
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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:
Fifty-five delegates representing all thirteen states except Rhode Island attended the Constitutional Convention in Philadelphia from May to September 1787. The delegates had been instructed by the Continental Congress to revise the old Articles of Confederation, but most believed that a stronger central government was needed. There were differences, however, about what structure the government should take and how much influence large states should have.
Virginia was by far the most populous state, with twice as many as people as New York, four times as many as New Jersey, and ten times as many as Delaware. The leader of the Virginia delegation, James Madison, had already drawn up a plan for government, which became known as the Large State Plan. Its essence was that congressional representation would be based on population. It provided for two or more national executives. The smaller states feared that under this plan, a few large states would lord over the rest. New Jersey countered with the Small State Plan. It provided for equal representation for all states in a national legislature and for a single national executive. Angry debate, heightened by a stifling heat wave, led to deadlock.
A cooling of tempers seemed to come with lower temperatures. The delegates hammered out an agreement known as the Great Compromise- actually a bundle of shrewd compromises. They decided that Congress would consist of two houses. The larger states were granted representation based on population in the lower house, the House of Representatives. The smaller states were given equal representation in the upper house, the Senate, in which each state would have two senators regardless of population. It was also agreed that there would be a single executive, the president. This critical compromise broke the logjam, and from then on, success seemed within reach.Which of the following is NOT given in the passage as one of the provisions of the Great Compromise?
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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.It can be inferred from the passage that .
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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.
THE FUTURE OF WATER
Many of us often wonder what the future holds; some believe major advances in technology will occur which will result in improvements to our everyday lives. Scientists have predicted shortages in fossil fuels and changes in the weather patterns of the world. (1).......... , one significant change that will have an alarming impact on all of us is the global water shortage. Analysts have forecast that some of the consequences of this will be mass migration from Africa to Europe and wars between countries over clean water. The main causes of this disturbing water shortage are global warming, climate change and the increasing world population. The supply of fresh water (2)....... comes from mountain glaciers and flows into lakes and rivers is diminishing, and this also (3).......... to the shortage. Water analysts and government leaders need to start making radical changes to the way water use is managed and they need to find new sources that will be able to meet the demands of an ever-growing population. In addition, more things need to be done to control global warming as this will help to reduce water shortages. People should be made (4)......... of the situation and warned not to waste water. Multinational companies should invest in developing better water management systems. In summary, if we start (5) ............. action now, we might be able to prevent a world disaster.
(5).................................