The realization that I had made a serious mistake came later.




A.I had made a serious mistake came later than the realization.
B.I wish I had the realization before I made a serious mistake.
C.Only later did I realize that I had made a serious mistake.
D.I regret making a serious mistake without the realization.

Vietnamese students play different sports and games ___ the break time.




A.in
B.during
C.on
D.after

Team sports are sometimes called _____sports.




A.compete
B.competition
C.competitor
D.competitive

Tom is one of the students which get the worst result in the latest exam.




A.the latest exam
B.worst result
C.one of the students
D.which

Read the following passage and mark the letter A, B, C, or D on your answer sheet to incorrect answer to each of the questions from 35 to 42:
Smart cards and mobile phones are becoming an increasingly popular way to make all sorts of payments. Even now, in Japan thousands of transactions, from paying rail tickets to picking up the groceries, take place every day with customers passing their handsets across a small flat-screen device. And predictions in the world of finance reckon that payments using mobile phones will have risen to more than $50 billion in the very near future.
What's the appeal of e-cash? Compared to cheque or credit cards, it offers the speed of cash, but more so. It takes just one tenth of a second to complete most transactions and as no change is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sony's vision of having a chip embedded in computers, TVs and games consoles means that films, music and games can be paid for easily without having to input credit card details. And what about the future of the banks? Within their grip on the market, banks and creditcard firms want to be in a position to collect most of the fees from the users of mobile and contactless-payment systems. But the new system could prove to be a "disruptive technology" as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding, credit-card companies and banks do not want to see other payment systems gaining popularity. It's too early to say whether banks will miss out and if so, by how much. However, quite a few American bankers are optimistic. They feel there is reason to be suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether we'll become a totally cash-free society remains open to contention.
The author mentions the case of commuters in the third paragraph to illustrate ________.




A.the banks' cooperation with credit-card companies
B.a possible drawback of the system
C.the modern technology of the e-cash system
D.the transferability of the system

Jim ……………….. a book at the moment.




A.is reading
B.had read
C.reads
D.has read

You stayed at home last night, ………………..?




A.didn’t you
B.had you
C.did you
D.would you

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions.
You should sit down and _______ stock of your life and decide whether this is the right thing to do.




A.get
B.take
C.carry
D.make

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions.
I was already fed up with the job, but when the boss walked into my office and told me he expected me to work overtime; that was the ______.




A.end of the line
B.last straw
C.final curtain
D.last waltz

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions.
We couldn't afford that house because it ______.




A.paid through the nose
B.was over my head
C.cost an arm and a leg
D.blew my own trumpet