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 following questions. 

     At the turn of the twentieth century, people's attitudes toward money were far more conservative than they are today. Borrowing and being in debt were viewed as a moral failing, almost as a disgrace. Thrift and saving were highly prized, and people who needed to borrow to make ends meet were seen as careless, unreliable, or extravagant. The focus in the economy as a whole was on developing large corporations like railroads, oil companies, and other companies that produced basic goods and services. 

     Then, in the 1920s, the economy changed. A huge network of banks and financial institutions developed, helping money to move more quickly and easily through the economy. At the same time, the economy was increasing its focus on consumer goods-clothing, cars, household appliances, and other things that individuals buy. To help promote the sale of these items, consumers were encouraged to buy on credit. If they could not afford an item right away, a store or a bank might lend them the money, which they could pay back in installments. 

          With the development of consumer credit and installment purchases, people's attitudes toward debt and spending changed. The model citizen was no longer someone who was thrifty, buying only what he or she needed. People were respected less for being thrifty than for knowing how to use their money to buy as many things as possible - an attitude that persists at the turn of the twenty-first century

The author mentions cars as an example of __________.

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 following questions. 

     At the turn of the twentieth century, people's attitudes toward money were far more conservative than they are today. Borrowing and being in debt were viewed as a moral failing, almost as a disgrace. Thrift and saving were highly prized, and people who needed to borrow to make ends meet were seen as careless, unreliable, or extravagant. The focus in the economy as a whole was on developing large corporations like railroads, oil companies, and other companies that produced basic goods and services. 

     Then, in the 1920s, the economy changed. A huge network of banks and financial institutions developed, helping money to move more quickly and easily through the economy. At the same time, the economy was increasing its focus on consumer goods-clothing, cars, household appliances, and other things that individuals buy. To help promote the sale of these items, consumers were encouraged to buy on credit. If they could not afford an item right away, a store or a bank might lend them the money, which they could pay back in installments. 

          With the development of consumer credit and installment purchases, people's attitudes toward debt and spending changed. The model citizen was no longer someone who was thrifty, buying only what he or she needed. People were respected less for being thrifty than for knowing how to use their money to buy as many things as possible - an attitude that persists at the turn of the twenty-first century

What helped money move more quickly through the economy in the 1920s?

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 following questions. 

     All North American canids have a doglike appearance characterized by a graceful body, long muzzle, erect ears, slender legs, and bushy tail. Most are social animals that travel and hunt in groups or pairs. After years of persecution by humans, the populations of most North American canids, especially wolves and foxes, have decreased greatly. The coyote, however, has thrived alongside humans, increasing in both numbers and range. 

     Its common name comes from coyotl, the term used by Mexico's Nahuatl Indians, and its scientific name, canis latrans, means "barking dog." The coyote's vocalizations are varied, but the most distinctive are given at dusk, dawn, or during the night and consists of a series of barks followed by a prolonged howl and ending with a short, sharp yap. This call keeps the band alert to the locations of its members. One voice usually prompts others to join in, resulting in the familiar chorus heard at night throughout the west. 

     The best runner among the canids, the coyote is able to leap fourteen feet and cruise normally at 25-30 miles per hour. It is a strong swimmer and does not hesitate to enter water after prey. In feeding, the coyote is an opportunist, eating rabbits, mice, ground squirrels, birds, snakes, insects, many kinds of fruit, and carrion - whatever is available. To catch larger prey, such as deer or antelope, the coyote may team up with one or two others, running in relays to tire prey or waiting in ambush while others chase prey toward it. Often a badger serves as involuntary supplier of smaller prey: while it digs for rodents at one end of their burrow, the coyote waits for any that may emerge from an escape hole at the other end. 

          Predators of the coyote once included the grizzly and black bears, the mountain lion, and the wolf, but their declining populations make them no longer a threat. Man is the major enemy, especially since coyote pelts have become increasingly valuable, yet the coyote population continues to grow, despite efforts at trapping and poisoning

The author mentions wolves and foxes as examples of _________

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 following numbered blanks. Development economics is the branch of economics that focuses on the special (28) ________ problems faced (29) _________ poor and underdeveloped countries. (30) ________ classical economics, development economics studies the social and political factors that affect economic growth. It addresses the problem of the Third World debt and the role of the World Bank and International Monetary Fund in continuing that debt with strict repayment rules. Scholars in the field have proposed that the best long-term solution (31) __________ to excuse much of the debt. Debtor nations also must be helped to establish stable governments and self-sustaining economies. The goal is to help them become trading partners with creditor nations. An important means to that end is to (32) _________ the growth of a strong middle class. Some ways to do that include guaranteeing education for all, allowing free trade, and providing medical care. Governments must allow for elected representatives and independent court systems

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 following numbered blanks.

          Development economics is the branch of economics that focuses on the special (28) ________ problems faced (29) _________ poor and underdeveloped countries. (30) ________ classical economics, development economics studies the social and political factors that affect economic growth. It addresses the problem of the Third World debt and the role of the World Bank and International Monetary Fund in continuing that debt with strict repayment rules. Scholars in the field have proposed that the best long-term solution (31) __________ to excuse much of the debt. Debtor nations also must be helped to establish stable governments and self-sustaining economies. The goal is to help them become trading partners with creditor nations. An important means to that end is to (32) _________ the growth of a strong middle class. Some ways to do that include guaranteeing education for all, allowing free trade, and providing medical care. Governments must allow for elected representatives and independent court systems

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

What _______ at 8 o'clock last night? I phoned you but couldn't get through to you

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

: I can't _________ what James is doing because it is so dark down there. 

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Jack was ___________ envy when his colleagues drove up in a brand-new BMV

Mark the letter A, B, C, or D on your answer sheet to indicate the sentence that is closest in meaning to each of the following questions

"Get away now or I will call the police", shouted the girl to the man.

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 following questions. 

     At the turn of the twentieth century, people's attitudes toward money were far more conservative than they are today. Borrowing and being in debt were viewed as a moral failing, almost as a disgrace. Thrift and saving were highly prized, and people who needed to borrow to make ends meet were seen as careless, unreliable, or extravagant. The focus in the economy as a whole was on developing large corporations like railroads, oil companies, and other companies that produced basic goods and services. 

     Then, in the 1920s, the economy changed. A huge network of banks and financial institutions developed, helping money to move more quickly and easily through the economy. At the same time, the economy was increasing its focus on consumer goods-clothing, cars, household appliances, and other things that individuals buy. To help promote the sale of these items, consumers were encouraged to buy on credit. If they could not afford an item right away, a store or a bank might lend them the money, which they could pay back in installments. 

          With the development of consumer credit and installment purchases, people's attitudes toward debt and spending changed. The model citizen was no longer someone who was thrifty, buying only what he or she needed. People were respected less for being thrifty than for knowing how to use their money to buy as many things as possible - an attitude that persists at the turn of the twenty-first century

What is the main point the author makes in the 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 following questions. 

     At the turn of the twentieth century, people's attitudes toward money were far more conservative than they are today. Borrowing and being in debt were viewed as a moral failing, almost as a disgrace. Thrift and saving were highly prized, and people who needed to borrow to make ends meet were seen as careless, unreliable, or extravagant. The focus in the economy as a whole was on developing large corporations like railroads, oil companies, and other companies that produced basic goods and services. 

     Then, in the 1920s, the economy changed. A huge network of banks and financial institutions developed, helping money to move more quickly and easily through the economy. At the same time, the economy was increasing its focus on consumer goods-clothing, cars, household appliances, and other things that individuals buy. To help promote the sale of these items, consumers were encouraged to buy on credit. If they could not afford an item right away, a store or a bank might lend them the money, which they could pay back in installments. 

          With the development of consumer credit and installment purchases, people's attitudes toward debt and spending changed. The model citizen was no longer someone who was thrifty, buying only what he or she needed. People were respected less for being thrifty than for knowing how to use their money to buy as many things as possible - an attitude that persists at the turn of the twenty-first century

According to the passage, which of the following is NOT a belief that was commonly held in the early twentieth century?

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Even though she was _________ the other girls, Jenny didn't win the beauty contest

Mark the letter A, B, C, or D on you answer sheet to indicate the word that differs from the rest in the position of the main stress in each of the following questions

Mark the letter A, B, C, or D on you answer sheet to indicate the word that differs from the rest in the position of the main stress in each of the following questions

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 following questions. 

     All North American canids have a doglike appearance characterized by a graceful body, long muzzle, erect ears, slender legs, and bushy tail. Most are social animals that travel and hunt in groups or pairs. After years of persecution by humans, the populations of most North American canids, especially wolves and foxes, have decreased greatly. The coyote, however, has thrived alongside humans, increasing in both numbers and range. 

     Its common name comes from coyotl, the term used by Mexico's Nahuatl Indians, and its scientific name, canis latrans, means "barking dog." The coyote's vocalizations are varied, but the most distinctive are given at dusk, dawn, or during the night and consists of a series of barks followed by a prolonged howl and ending with a short, sharp yap. This call keeps the band alert to the locations of its members. One voice usually prompts others to join in, resulting in the familiar chorus heard at night throughout the west. 

     The best runner among the canids, the coyote is able to leap fourteen feet and cruise normally at 25-30 miles per hour. It is a strong swimmer and does not hesitate to enter water after prey. In feeding, the coyote is an opportunist, eating rabbits, mice, ground squirrels, birds, snakes, insects, many kinds of fruit, and carrion - whatever is available. To catch larger prey, such as deer or antelope, the coyote may team up with one or two others, running in relays to tire prey or waiting in ambush while others chase prey toward it. Often a badger serves as involuntary supplier of smaller prey: while it digs for rodents at one end of their burrow, the coyote waits for any that may emerge from an escape hole at the other end. 

          Predators of the coyote once included the grizzly and black bears, the mountain lion, and the wolf, but their declining populations make them no longer a threat. Man is the major enemy, especially since coyote pelts have become increasingly valuable, yet the coyote population continues to grow, despite efforts at trapping and poisoning

The word "any” in paragraph 3 refers to __________.

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Contagious diseases like Covid-19 _________ big problem facing human beings