(21)
A.reached
B.solved
C.passed
D.come

(11)
A.ruin
B.destruction
C.damage
D.hurt

(13)
A.For example
B.However
C.Therefore
D.In fact

(15)
A.benefit
B.wealth
C.treasure
D.fortune

Task 4. Read the following passages and mark the letter A, B, C or D to indicate the correct word for each of the blanks from 16 to 20.
In the past, people bought goods using (16) . They rarely borrowed money from financial institutions and only when they had saved the money did they buy what they wanted. Recently, however, there have been great changes in the way people purchase goods. To begin with, some people pay for things by cheque, (17) _ others prefer monthly installments rather than paying the whole amount at once. Most consumers, though, prefer to buy things using their credit cards. (18) , it is thought that there are benefits to having a credit card. Apart from the fact that credit cards are handy, some stores offer bonus points to people making purchases, while others give discounts on certain products. On the other hand, credit cards must be used wisely because they can prove disastrous. In the long run, consumers find that they can’t (19) ____without their credit cards and constantly rely on them, as they are “easy money”. As a result, some people lose control of their finances spending more than they should end up not being able to (20) ____. So they end up in debt and have difficulty in paying it back.
(17)
A.when
B.while
C.why
D.what

Task 4. Read the following passages and mark the letter A, B, C or D to indicate the correct word for each of the blanks from 16 to 20.
In the past, people bought goods using (16) . They rarely borrowed money from financial institutions and only when they had saved the money did they buy what they wanted. Recently, however, there have been great changes in the way people purchase goods. To begin with, some people pay for things by cheque, (17) _ others prefer monthly installments rather than paying the whole amount at once. Most consumers, though, prefer to buy things using their credit cards. (18) , it is thought that there are benefits to having a credit card. Apart from the fact that credit cards are handy, some stores offer bonus points to people making purchases, while others give discounts on certain products. On the other hand, credit cards must be used wisely because they can prove disastrous. In the long run, consumers find that they can’t (19) ____without their credit cards and constantly rely on them, as they are “easy money”. As a result, some people lose control of their finances spending more than they should end up not being able to (20) ____. So they end up in debt and have difficulty in paying it back.
(19)
A.be
B.make
C.do
D.go

Mark the letter A, B, C, or D to indicate the sentence that is closest in meaning to each of the following questions.
People say that Cameron was the best director of his time.
A.It was said that Cameron was the best director of his time.
B.Cameron was said to be the best director of his time.
C.Cameron is said to have been the best director of his time.
D.Cameron was said to have been the best director of his time.

Mark the letter A, B, C, or D to indicate the sentence that is closest in meaning to each of the following questions.
If it hadn’t been for his carelessness, we would have finished the work.
A.Because he wasn’t careless, we didn’t finished the work.
B.He was careless because he hadn’t finished the work.
C.If he had been more careful, we would have completed the work.
D.If her were careful, we would finish the work.

Mark the letter A, B, C, or D to indicate the sentence that is closest in meaning to each of the following questions.
He behaved so recklessly, so he would be disqualified from keeping his last job.
A.Without his reckless behavior, he would have lost his last job.
B.He didn’t quit his job because he knew that he had behaved so recklessly.
C.If he hadn’t behaved so recklessly, he hadn’t wuit his last job.
D.Had he not behaved so recklessly, he wouldn’t have been fired from his last job.

Mark the letter A, B, C, or D to indicate the sentence that is closest in meaning to each of the following questions.
The basketball team knew they lost the match. They soon started to blame each other.
A.Hardly had the basketball team known they lost the match when they started to blame each other.
B.As soon as they blamed each other, the basketball team knew that they lost the match.
C.Not only did the basketball team lose the match but they blamed each other as well.
D.No sooner had the basketball team started to blame each other than they knew they lost the match.