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.
(1).........................

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Satoru Iwata is not a household name, but he should be. Most people, however, would recognize his brain children, the Nintendo DS and the Wii. These two game systems completely changed the world of gaming. It’s hard to imagine gaming without them, but amazingly, the DS and Wii almost didn’t happen! It is only thanks to the innovative ideas of Iwata that we have these systems today.
Satoru Iwata was made the CEO of Nintendo in 2002. At that time, the video game market was suffering, and Nintendo was having trouble with its sales. Iwata thought that a change in strategy was  due. Previously, the strategy in the game industry was to keep making the same kinds of games and consoles but just improve their power and complexity. However, Iwata didn’t just want to attract dedicated gamers. He wanted to bring in new kinds of players to video gaming. How was he going to do that? He decided to change the very concept of video games.
Iwata wanted to make video games easier to pick up and more relevant to people’s lives. Out of this idea came the Nintendo DS. People interacted more directly with the game by using a touch screen instead of just a set of buttons. Iwata took this idea to the extreme with the motion-based Wii. Now, just by using natural body movements, players can enjoy playing all sorts of games.
The kinds of games produced changed as well. Along with the regular role-playing game (RPG), action, and sport games, new kinds of “games” were designed. Some of these new games, like Brain Age, improved thinking abilities. Others, like Wii Fit, improved fitness. This has brought in a new age of gaming. Everyone from grandparents to their grandchildren seems to be playing Nintendo products. With all that we have seen so far, we can only wonder what is next for Iwata. Surely it will be something groundbreaking.

What is the main idea of the passage?

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Vitamins, taken in tiny doses, are a major group of organic compounds that regulate the mechanisms by which the body converts food into energy. They should not be confused with minerals, which are inorganic in their makeup. Although in general the naming of vitamins followed the alphabetical order of their identification, the nomenclature of individual substances may appear to be somewhat random and disorganized. Among the 13 vitamins known today, five are produced in the body. Because the body produces sufficient quantities of some but not all vitamins, they must be supplemented in the daily diet. Although each vitamin has its specific designation and cannot be replaced by another compound, a lack of one vitamin can interfere with the processing of another. When a lack of even one vitamin in a diet is continual, a vitamin deficiency may result.
The best way for an individual to ensure a necessary supply of vitamins is to maintain a balanced diet that includes a variety of foods and provides adequate quantities of all the compounds. Some people take vitamin supplements, predominantly in the form of tablets. The vitamins in such supplements are equivalent to those in food, but an adult who maintains a balanced diet does not need a daily supplement. The ingestion of supplements is recommended only to correct an existing deficiency due to unbalanced diet, to provide vitamins known to be lacking in a restricted diet, or to act as a therapeutic measure in medical treatment. Specifically, caution must be exercised with fat-soluble substances, such as vitamins A and D, because, taken in gigantic doses, they may present a serious health hazard over a period of time.

What does the passage mainly discuss?

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.
(2).........................
 

Iron production was revolutionized in the early eighteenth century when coke was first used instead of charcoal for refining iron ore. Previously the poor quality of the iron had restricted its use in architecture to items such as chains and tie bars for supporting arches, vaults, and walls. With the improvement in refining ore, it was now possible  to  make  cast-iron beams, columns, and girders. During the nineteenth century further advances were made, notably Bessemer’s process for converting iron into steel, which made the material more commercially viable.
Iron was rapidly adopted for the  construction  of  bridges,  because  its  strength was far greater  than that of stone or timber, but its use in the architecture of buildings developed more slowly. By 1800 a complete internal iron skeleton for buildings had been developed in industrial architecture replacing traditional timber beams, but it generally remained concealed. Apart from its low cost, the appeal of iron as a building material lay in its strength, its resistance to fire, and its potential to span vast areas. As a result, iron became increasingly popular as a structural material for more traditional styles of architecture during the nineteenth century, but it was invariably concealed.
Significantly, the use  of  exposed  iron  occurred  mainly  in  the  new  building types spawned by the Industrial Revolution: in factories, warehouses, commercial offices, exhibition hall, and railroad stations, where its  practical  advantages  far  outweighed  its  lack of status. Designers of the railroad stations of the new age explored the potential of iron, covering huge areas with spans that surpassed the great vaults of medieval churches and cathedrals. Paxton’s Crystal Palace, designed to house the Great Exhibition of 1851, covered an area of 1.848 feet by 408 feet in prefabricated units of glass set in iron frames. The Paris Exhibition of 1889 included both the widest span and the  greatest height achieved so far with the Halle Des Machines, spanning 362 feet, and the Eiffel Tower 1,000 feet high. However, these achievements were mocked by the artistic elite of Paris as expensive and ugly follies. Iron, despite its structural advantages, had little aesthetic status. The use of an exposed iron structure in the more traditional styles of architecture was slower to develop.

According to the passage, iron was NOT used for beams, columns, and girders prior to the early eighteenth century because  ...........

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In Viet Nam festivals often take place during the three months in spring and in autumn when people have a lot of leisure time. In addition, the climate in spring and autumn is especially suitable for holding festivals and for festivals goers to enjoy. Traditional festivals constitute a form of cultural activities, a spiritual product which the people have created and developed during the course of history. From generation to generation, the Vietnamese people preserve the fine tradition of “remembering the source while drinking water.” Festivals are events which represent this tradition of the community as well as honour the holy figures named as “gods” -the real persons in national history or legendary persons. The images of gods converge the noble characteristics of mankind. They are national heroes who fought against foreign invaders, reclaimed new lands, treated people, fought against natural calamities, or those legendary characters who affect the earthly life.
Accordingly, first and foremost, festivals are events when people pay tribute to divinities that rendered merits to the community and the nation. These are occasions when people come back to either their natural or national roots, which form a sacred part in their mind. Furthermore, testivals represent the strength of the commune or village, the local region or even the whole nation. Worshipping the same god, the people unite in solidarity to overcome difficulties, striving for a happy and wealthy life.
Moreover, festivals display the demand for creativity and enjoyment of spiritual and material cultural values of all social strata. They become a form of education under which fine traditional moral values can be handed from one generation to the next in a unique way of combining spiritual characters with competition and entertainment games. Festivals are also the time people can express their sadness and worries in a wish that gods might bestow favour on them to help them strive for a better life.

What is the best title of the passage?

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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.

The men who Borglum hired were      

Choose the item among A, B, C or D that best answers the question about the passage:

"In recent years many countries of the world have been with the problem of how to make their workers more productive. Some experts claim the answer is to make jobs more varied. But do more various jobs lead to greater productivity? There is evidence to suggest that while variety certainly makes the workers’ life more enjoyable, it does not actually make him work harder. As far as increasing productivity is concerned, then variety is not an important factor.
 Other experts feel that giving the worker freedom to do his job in his own way is important, and there is no doubt that this is true. The problem is that this kind of freedom cannot easily be given in the modern factory with its complicated machinery which must be used very little that can be done to create it.
 Another very important consideration is how each worker contributes to the product he is making. In most factories the worker sees only one part of the product. Some car factories are now experimenting with having many small production lines rather than one large one, so that each worker contributes more to the production of the cars on his line, it would seem that not only is degree of the worker contribution an important factor, therefore, but it is also one we can do something about.
 To what extent does more money lead to greater productivity? The workers themselves certainly think this is important. But perhaps they want more money only because the work they do is boring. Money just lets them enjoy their spare time more. A similar argument may explain demands for shorter working hours. Perhaps if we succeed in making their jobs more interesting, they will neither want more money, nor will shorter working hours be so important to them."

4. In the article, the word “productivity” means ……

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 .
A recent (1)....... of a language learning magazine has consulted a number of experts in the field of second language acquisition. Their advice may prove invaluable for those considering a language course. One suggestion is that you access whether you are likely to be successful (2)........ learning a language. Did you enjoy studying language at school, for example? Do you have enough time to learn a language ? The major cost will be your own time and effort. Therefore, you must make sure that course on  offer  leads  to  a  recognized  qualification.  Also,  be  realistic  in your (3).......... If you don’t set achievable aims, you are more likely to give up. Don’t be deceived into thinking that the most expensive courses are the best. Shop around to get the best possible value for money. You should also bear in your mind that the quicker you learn a language, the more quickly you forget it. Sandra Miller, a French teacher, tried to teach herself German by enrolling on a crash course. Already fluent in four languages and with a sound knowledge of teaching methodology her chances of (4)........ progress were high. Three years on she remembers very little. She feels her biggest mistake was not to follow up her first experience.  "I  think  the  teacher’s  role  is  important.  It's  so  nice  to  have  somebody  give  you  a/an (5) ........... ”.
(3)................................
 

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What geologists call the Basin and Range Province in the United States roughly coincides in its northern portions with the geographic province known as the Great Basin. The Great Basin is hemmed in west by the Sierra Nevada and on the east Line by the Rocky Mountains; it has no outlet to the sea. The prevailing winds in the Great Basin are from the west. Warm, moist air from the Pacific Ocean is forced upward as it crosses the Sierra Nevada. At the higher altitudes it cools and the moisture it carries is precipitated as rain or snow on the western slopes of the mountains. That which reaches the Basin is air wrung dry of moisture. What little water falls there as rain or snow, mostly in the winter months, evaporates on the broad, flat desert floors. It is, therefore, an environment in which organisms battle for survival. Along the rare watercourses, cottonwoods and willows eke out a sparse existence. In the upland ranges, pinion pines and junipers struggle to hold their own.
But the Great Basin has not always been so arid. Many of its dry, closed depressions were once filled with water. Owens Valley, Panamint Valley, and Death Valley were once a string of interconnected lakes .The two largest of the ancient lakes of the Great Basin were Lake Lahontan and Lake Bonneville. The Great Salt Lake is all that remains of the latter, and Pyramid Lake is one of the last briny remnants of the former. There seem to have been several periods within the last tens of thousands of years when water accumulated in these basins. The rise and fall of the lakes were undoubtedly linked to the advances and retreats of the great ice sheets that covered much of the northern part of the North American continent during those times.
Climatic changes during the Ice Ages sometimes brought cooler, wetter weather to mid latitude deserts worldwide, including those of the Great Basin. The broken valleys of the Great Basin provided ready receptacles for this moisture.

The word "prevailing" is closest in meaning to

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The ocean bottom - a region nearly 2.5 times greater than the total land area of Earth - is a vast frontier that even today is largely unexplored and uncharted. Until about a century ago, the deep-ocean floor was completely inaccessible, hidden beneath waters averaging over 3,600 meters deep. Totally without light and subjected to intense pressures hundreds of times greater than at the Earth's surface, the deep-ocean bottom is a hostile environment to humans, in some ways as forbidding and remote as the void of outer space.
Although researchers have taken samples of deep-ocean rocks and sediments for over a century, the first detailed global investigation of the ocean bottom did not actually start until 1968, with the beginning ofthe National Science Foundation's Deep Sea Drilling Project (DSDP). Using techniques first developed for the offshore oil and gas industry, the DSDP's drill ship, the Glomar Challenger, was able to maintain a steady position on the ocean's surface and drill in very deep waters, extracting samples of sediments and rock from the ocean floor.
The Glomar Challenger completed 96 voyages in a 15-year research program that ended in November 1983. During this time, the vessel logged 600,000 kilometers and took almost 20,000 core samples of seabed sediments and rocks at 624 drilling sites around the world. The Glomar Challenger's core samples have allowed geologists to reconstruct what the planet looked like hundreds of millions of years ago and to calculate what it will probably look like millions of years in the future. Today, largely on the strength of evidence gathered during the Glomar Challenger's voyages, nearly all earth scientists agree on the theories of plate tectonics and continental drift that explain many of the geological processes that shape the Earth.
The cores of sediment drilled by the Glomar Challenger have also yielded information critical to understanding the world's past climates. Deep-ocean sediments provide a climatic record stretching back hundreds of millions of years, because they are largely isolated from the mechanical erosion and the intense chemical and biological activity that rapidly destroy much land-based evidence of past climates. This record has already provided insights into the patterns and causes of past climatic change - information that may be used to predict future climates.

The word “they” refers     .

Choose the best answer: 
We are all slowly (1) __________ the earth. The seas and rivers are too dirty to swim in.
There is so much smoke in the air that it is unhealthy to live in many of the world’s cities. In one well-
known city, for example, poisonous gases (2) __________ cars pollute the air so much that traffic
policemen have to wear oxygen masks. We have cut down (3) __________ trees that there are now
vast areas of wasteland all over the world. As a result, farmers in parts of Africa cannot grow enough
(4) __________. In certain countries in Asia, there is too little rice. Moreover, we do not take care of
the countryside.
Wild animals are quickly disappearing. For instance, tigers are rare in India now because we
have killed too many of them. However, it isn’t enough simply to talk about the problem. We must act
now before it is too late to do (5) __________ about it. Join us now. Save the Earth!
1. 

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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.

What is the main idea of the passage?

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Footracing is a popular activity in the United States. It is seen not only as a competitive sport but also as a way to exercise, to enjoy the camaraderie of like–minded people, and to donate money to a good cause. Though serious runners may spend months training to compete, other runners and walkers might not train at all. Those not competing to win might run in an effort to beat their own time or simply to enjoy the fun an exercise. People of all ages. From those of less than one year (who may be pushed in strollers) to those in their eighties, enter into this sport. The races are held on city streets, on college campuses, through parks, and in suburban areas, and they are commonly 5 to 10 kilometers in length.
The largest footrace in the world is the 12 kilometer Bay to Breakers race that is held in San Francisco every spring. This race begins on the east side of the city near San Francisco Bay and ends on the west side at the Pacific Ocean. There may be 80,000 or more people running in this race through the streets and hills of San Francisco. In the front of are the serious runners who compete to win and who might finish in a little as 34 minutes. Behind them are the thousands who take several hours to finish. In the back of the race are those who dress in costumes and come just for fun. One year there was a group of men who dresses like Elvis Presley, and another group consisted of the firefighters who were tired together in a long line and who were carrying a firehose. There was even a bridal party, in which the bride was dressed in a long white gown and the groom wore a tuxedo. The bride and groom threw flowers to bystanders, and they were actually married at some point along the route.

The main purpose of this passage is to     .

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."

1. it must also be stressed that even in the United States automation is by no means the only factor (1)….. people from existing jobs

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.

What can be inferred from the passage about the practice of animal parents feeding their young?

For a time, the Hubble telescope was the brunt of jokes and subject to the wrath of those who believed the U.S government had spent too much money on space projects that served no valid purpose. The Hubble was sent into orbit with a satellite by the Space Shuttle Discovery in 1990 amid huge hype and expectation. Yet after it was in position, it simply did not work. Because the primary mirror was misshapen, it was not until 1993 that the crew of the Shuttle Endeavor arrived like roadside mechanics, opened the hatch that was installed for the purpose, and replaced the defective mirror with a good one.
Suddenly, all that had originally been expected came true. The Hubble telescope was indeed the “window on the universe”, as it had originally been dubbed. When you look deep into space, you are actually looking back through time, because even though light travels at 186,000 miles a second, it requires time to get from one place to another. In fact, it is said that in some cases, the Hubble telescope is looking back eleven billion years to see galaxies already forming. The distant galaxies are speeding away from Earth, some travelling at the speed of light.
Hubble has viewed exploding stars such as the Eta Carinae, which clearly displayed clouds of gas and dust billowing outward from its poles at 1.5 million miles an hour. Prior to Hubble, it was visible from traditional telescopes on Earth, but its details were not as certainable. But now, the evidence of the explosion is obvious. The star still burns five million times brighter than the Sun and illuminates clouds from the inside.
Hubble has also provided a close look at black holes, which are described as comic drains. Gas and dust swirl around the drain and are slowly sucked in by the incredible gravity. It has also looked into an area that looked empty to the naked eye and, within a region the size of a grain of sand, located layer upon layer of galaxies, with each galaxy consisting of billions of stars.
The Hubble telescope was named after Edwin Hubble, a 1920s astronomer who developed a formula that expresses the proportional relationship of distances between clusters of galaxies and the speeds at which they travel. Astronomers use stars known as Cepheid variables to measure distances in space. These stars dim and brighten from time to time, and they are photographed over time and charted. All the discoveries made by Hubble have allowed astronomers to learn more about the formation of early galaxies.

The author states that ..........

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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 the theory of plate tectonics is     .

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.

The word “fixed” in paragraph 1 is closest in meaning to..........

The attraction of gold is as old as history. Since ancient times, gold has been the object of dreams and obsessions. Western literature is full of characters who kill for gold or hoard it, from King Midas in the ancient Greek myths, to Fagin in Dickens' Oliver Twist. These characters go to evil extremes to get or keep their gold and they get the punishment they deserve. Most people would not be willing to go to such extremes, of course, but they would not question the assumption that gold has lasting value above and beyond any local currency. Societies change over time, customs and currencies evolve, but gold remains. A wedding ring, for example, must be gold, and so should any serious gift of jewelry. In fact, giving and wearing gold is still a mark of prestige in our post-industrial society, though gold is no longer valued as it used to be thousands of years ago.
Why is gold so valuable? True, it is shiny, durable, and rare, but it is far less useful than many other minerals or metals. It is also not like stock in a company, where the value of the stock depends on the performance of the company. Gold, on the contrary, like any currency, is valuable precisely because people believe it is valuable. That is, if people were willing to accept seashells for their labor and could use them to pay for food, fuel, and other commodities, then seashells would become a valuable currency. Thus, the value of gold depends on the collective belief that gold will continue to be valuable. As long as demand for gold remains steady, the price will hold steady; if demand is high, it will continue to increase in value. But if people should someday lose faith in gold, the price of gold could fall sharply.
Another factor that has affected the price of gold has been the increasing difficulty in acquiring it. Today, most of the gold left in the grounds is in microscopic pieces mixed with rock. To get it, miners must dig up tons and tons of rock, and then spray it with chemicals to separate out the gold. For one ounce of gold - a wedding ring, for example - the mine processes about 30 tons of rock. This is already a costly operation. But there are also hidden social and environmental costs. The mining and processing of gold is ruinous to the environment and to the health of people living nearby. Most of these mines are in poor regions where the people have had little voice in whether there should be mines and how the mines should be run. The large multinational mining companies simply bought the land and opened the mines. However, as people and governments begin to realize the extent of the damage caused by the mines, the situation might change.
Indeed, if the mining companies ever have to pay the full environmental and social costs of mining gold, the price of gold is likely to climb yet higher.

The word " ruinous " is closest meaning to .............

Read the following passage and choose the best answer for each blank.

Vietnam is considered a third world country, its people live (26) _____ poverty by the millions. After the (27) _____, Vietnam's economy remained dominated by small-scale production, low labor productivity, (28) _____, material and technological shortfalls, and insufficient food and (29) _____ goods. The Doi Moi reforms that were instated in 1986 have shed new light and added new features to the Vietnamese economy. (30) ____ Vietnamese Communist Party plays a leading role in establishing the foundations and principles of communism, mapping strategies for economic development, setting growth targets, and (31) _____ reforms. Doi Moi combined government planning with free-market incentives and (32) _____ the establishment of private businesses and foreign investment, including foreign-owned enterprises. By the late 1990s, the success of the business and agricultural reforms ushered in under Doi Moi was evident. (33) _____ than 30,000 private businesses had been created, and the economy was growing at an annual (34) _____ of more than 7 percent. Farming systems research and the international development projects are a source of new hope for the people of Vietnam. If these recent projects are successful and Doi Moi continues on its current path the Vietnamese people may (35) _____ a new standard of living. More reforms like Doi Moi need to take place in order to create a more stable Vietnamese future.

(26) _____