Choose the best answer to the following questions.
The banker to________ I gave my check was quite friendly.
A.who
B.that
C.whom
D.which

Choose the best answer to the following questions.
The letter _________ grandma was kept carefully in a box.
A.you wrote
B.which you wrote to
C.to whom wrote
D.which wrote

appearance/ steamboats and railroads/ reduce/ transportation cost/ and have effects/ conditions/ workers.
A.Appearance of the steamboats and the railroads have reduced transportation cost and had effects in conditions of workers.
B.The appearance of the steamboats and railroads have reduced transportation cost and had effects on conditions of workers.
C.The appearance of steamboats and railroads had reduced transportation cost and had effects on conditions of workers.
D.The appearance of steamboats and railroads reduced transportation cost and had effects on the conditions of workers.

Mark the letter A, B, C or D on your answer sheet to indicate the sentence that best combines each pair of sentences in the following questions.
William Clark was not granted the rank of captain. Captain Lewis more or less ignored this and treated Clark as his equal in authority and rank.
A.William Clark was not granted the rank of captain because Captain Lewis more or less ignored this and treated Clark as his equal in authority and rank.
B.William Clark was not granted the rank of captain, thus Captain Lewis more or less ignored this and treated Clark as his equal in authority and rank.
C.Although William Clark was not granted the rank of captain, Captain Lewis more or less Ignored this and treated Clark as his equal in authority and rank.
D.As William Clark was not granted the rank of captain, Captain Lewis more or less ignored this and treated Clark as his equal in authority and rank.

_________ (14)
A.silent
B.dumb
C.quiet
D.speechless

Mark the letter A, B, C or D on your answer sheet to indicate the sentence that best combines each pair of sentences in the following questions.
Dad's car is very old. He can't afford to buy a new one.
A.Dad's car is very old, but he can't afford to buy a new one.
B.Dad's car is very old, so he can't afford to buy a new one.
C.Dad can't afford to buy a new one just as his car is very old.
D.Dad's car is very old, though he can't afford to buy a new one.

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 from 35 to 42.
A mansion is a very large home. McDonald's is the name of a fast food hamburger chain. What do you get when you put the two together? You get McMansion, the recently created name for a type of large suburban, two storied home that originated in the United States. Many people love McMansions for their low price, abundant space and impressive styling, but the news is not all good. In fact, McMansions may now be a threatened species.
McMansion became very popular in the United States during the 1990s, and this popularity continued for almost 20 years. During those years the economy was relatively strong, and banks were willing to lend large sums of money to people who wanted to buy a home. The result was an increase in the average home size. In 1988, the average new American home was 170 square meters, but by 2008 this had risen to 244 square meters, a 44% increase.
To offset the greater costs of these large homes, land developers built many homes that all used a similar basic design and identical construction methods. Framing and interior fittings were constructed in factories, instead of on site, and the materials used were often of a lower quality. Finally, the sections of land used for each house were much smaller than before.
The result was suburban developments full of huge homes, often over 280 square meters in floor area, that all looked similar to each other. Their standardization and lowest possible-cost construction reminded people of McDonald's hamburgers, hence the term McMansion. For many people a McMansion was their dream home, but that dream is now rapidly turning sour.
There are two main problems with McMansions. One problem is that their huge size means that they cost a lot to heat or cool. Energy is becoming more expensive, so owners are faced with huge bills if they try to heat or cool their home. The other problem is that McMansion owners are often in a lot of debt. They borrowed a lot of money to pay for their impressive home, but during the 2000s, with struggling economy and high unemployment, they couldn't afford to repay their loan.
McMansion are still popular in some area, but no one is sure how long it will last. Will energy become even more expensive and force owners to downsize? Will the economy grow and banks become more willing to end again? Will the drop-in house prices allow larger, less affluent families to afford a McMansion? These questions are weighing heavily on the future of one of the most popular housing styles of the late 20th century.
(Source: Reading planet)
Which of the following statements is NOT true about McMansions?
A.They share the same large size and impressive designs.
B.The strong economy made them less popular even among the wealthy.
C.The materials used were often of a lower quality, hence lower cost.
D.The sections of land used for each house were much smaller than before.

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 from 35 to 42.
A mansion is a very large home. McDonald's is the name of a fast food hamburger chain. What do you get when you put the two together? You get McMansion, the recently created name for a type of large suburban, two storied home that originated in the United States. Many people love McMansions for their low price, abundant space and impressive styling, but the news is not all good. In fact, McMansions may now be a threatened species.
McMansion became very popular in the United States during the 1990s, and this popularity continued for almost 20 years. During those years the economy was relatively strong, and banks were willing to lend large sums of money to people who wanted to buy a home. The result was an increase in the average home size. In 1988, the average new American home was 170 square meters, but by 2008 this had risen to 244 square meters, a 44% increase.
To offset the greater costs of these large homes, land developers built many homes that all used a similar basic design and identical construction methods. Framing and interior fittings were constructed in factories, instead of on site, and the materials used were often of a lower quality. Finally, the sections of land used for each house were much smaller than before.
The result was suburban developments full of huge homes, often over 280 square meters in floor area, that all looked similar to each other. Their standardization and lowest possible-cost construction reminded people of McDonald's hamburgers, hence the term McMansion. For many people a McMansion was their dream home, but that dream is now rapidly turning sour.
There are two main problems with McMansions. One problem is that their huge size means that they cost a lot to heat or cool. Energy is becoming more expensive, so owners are faced with huge bills if they try to heat or cool their home. The other problem is that McMansion owners are often in a lot of debt. They borrowed a lot of money to pay for their impressive home, but during the 2000s, with struggling economy and high unemployment, they couldn't afford to repay their loan.
McMansion are still popular in some area, but no one is sure how long it will last. Will energy become even more expensive and force owners to downsize? Will the economy grow and banks become more willing to end again? Will the drop-in house prices allow larger, less affluent families to afford a McMansion? These questions are weighing heavily on the future of one of the most popular housing styles of the late 20th century.
(Source: Reading planet)
Which of the following statements is true about McMansions according to the passage?
A.They don't have much interior space for furniture and other home activities
B.They were one of the most popular housing styles of the late 20th century.
C.Their owners are all very rich and able to afford McMansions, mostly bankers.
D.They all just look very different to each other if looked from the above.

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 from 35 to 42.
A mansion is a very large home. McDonald's is the name of a fast food hamburger chain. What do you get when you put the two together? You get McMansion, the recently created name for a type of large suburban, two storied home that originated in the United States. Many people love McMansions for their low price, abundant space and impressive styling, but the news is not all good. In fact, McMansions may now be a threatened species.
McMansion became very popular in the United States during the 1990s, and this popularity continued for almost 20 years. During those years the economy was relatively strong, and banks were willing to lend large sums of money to people who wanted to buy a home. The result was an increase in the average home size. In 1988, the average new American home was 170 square meters, but by 2008 this had risen to 244 square meters, a 44% increase.
To offset the greater costs of these large homes, land developers built many homes that all used a similar basic design and identical construction methods. Framing and interior fittings were constructed in factories, instead of on site, and the materials used were often of a lower quality. Finally, the sections of land used for each house were much smaller than before.
The result was suburban developments full of huge homes, often over 280 square meters in floor area, that all looked similar to each other. Their standardization and lowest possible-cost construction reminded people of McDonald's hamburgers, hence the term McMansion. For many people a McMansion was their dream home, but that dream is now rapidly turning sour.
There are two main problems with McMansions. One problem is that their huge size means that they cost a lot to heat or cool. Energy is becoming more expensive, so owners are faced with huge bills if they try to heat or cool their home. The other problem is that McMansion owners are often in a lot of debt. They borrowed a lot of money to pay for their impressive home, but during the 2000s, with struggling economy and high unemployment, they couldn't afford to repay their loan.
McMansion are still popular in some area, but no one is sure how long it will last. Will energy become even more expensive and force owners to downsize? Will the economy grow and banks become more willing to end again? Will the drop-in house prices allow larger, less affluent families to afford a McMansion? These questions are weighing heavily on the future of one of the most popular housing styles of the late 20th century.
(Source: Reading planet)
The phrase “turning sour” in paragraph 4 refers to the fact that
A.the large and lowest possible-cost McMansion became unaffordable for many owners
B.land developers built homes using a similar basic design and identical construction methods
C.the materials used to construct framing and interior fittings were often of a low quality
D.suburban areas were full of huge homes that all looked similar to each other

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 from 30 to 34.
Bitcoins are a form of virtual currency. In other words, they are a type of money that does not exist in the actual world. However, they can be used to purchase actual products and services from real companies.
The bitcoin system was created in 2009 by an enigmatic person named Satoshi Nakamoto. In fact, no one is sure if Satoshi Nakamoto is an actual person or a group of people. Bitcoins are designed to serve as an alternative to national currencies, such as dollars and euros, They can be used to pay for things instead of cash or credit cards. When bitcoins are transferred from a buyer to a seller, the transaction is recorded in a public database.
Governments are concerned that bitcoins can easily be stolen by hackers. It has dawned on them that they might be used for illegal purposes. For example, stolen goods could be purchased without the government's knowledge. Although more and more companies are beginning to accept bitcoins, the percentage of purchases made using bitcoins is minuscule compared to other online payment methods, such as credit cards. Instead, many bitcoin owners simply keep them as an investment since more valuable in the future.
This may or may not be a wise approach. Currently, the value of bitcoins is fluctuating wildly, especially when compared to highly stable national currencies, Bitcoin Investors are gambling on the hope that as this high-tech money becomes more widely accepted, its value will soar.
(Adapted from: https://www.digitalcommerce360.com/)
Why are bitcoins of great concern to governments?
A.Because the value of bitcoins is fluctuating wildly.
B.Because bitcoins will eventually replace national currencies.
C.Because bitcoins may be used in illegal transactions.
D.Because most of bitcoin owners are hackers.