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. 

     Banking and banks are very important for the functioning of the modern world. Without banks, the way we use money would not work. Banks enable people to save money, borrow money and to pay for things with ease and security. 

     Each country in the world has its own well-known banks that have branches in nearly every city so that they are convenient for people to use. People often have to visit the local branch of the bank when they want certain services. There are also some very big multinational banks that have branches in most countries in the world. 

     As well as the local branches that are in most cities, each bank will also have a head office. This is where all central tasks are performed that let the local branches function. The people that work in the branches will be the bank manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There will also likely be security guards to protect the money, workers and customers. Most customers will just need to see the tellers when they go to the bank if they are paying money into their account as either cash or a check. However, they might need to see the bank manager if they want to open an account or if they have become overdrawn, when they have spent more money than there was in the account. Also if they want to borrow money and get a loan the person will need to see the bank manager who will have to approve it. 

          As well as being able to use cash or checks to pay for things, banks also offer their customers the more convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt or enter a PIN number to confirm the purchase and that you are authorized to use the card

What happens when bank customers spend more money than they have in their account?

Mark the letter A, B, C or D on your answer sheet to indicate the word(s) CLOSEST in meaning to the underlined word(s) in each of the following questions

Mark the letter A, B, C or D on your answer sheet to indicate the word(s) CLOSEST 

Students are expected to always adhere to school regulations. 

Mark the letter A, B, C or D on your answer sheet to indicate the word that differs from the other three in the position of the primary 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 questions. 

     Banking and banks are very important for the functioning of the modern world. Without banks, the way we use money would not work. Banks enable people to save money, borrow money and to pay for things with ease and security. 

     Each country in the world has its own well-known banks that have branches in nearly every city so that they are convenient for people to use. People often have to visit the local branch of the bank when they want certain services. There are also some very big multinational banks that have branches in most countries in the world. 

     As well as the local branches that are in most cities, each bank will also have a head office. This is where all central tasks are performed that let the local branches function. The people that work in the branches will be the bank manager, the person in charge, and various tellers who work behind the bank counter and help the customers. There will also likely be security guards to protect the money, workers and customers. Most customers will just need to see the tellers when they go to the bank if they are paying money into their account as either cash or a check. However, they might need to see the bank manager if they want to open an account or if they have become overdrawn, when they have spent more money than there was in the account. Also if they want to borrow money and get a loan the person will need to see the bank manager who will have to approve it. 

          As well as being able to use cash or checks to pay for things, banks also offer their customers the more convenient methods of using either a debit card or credit card. These methods are very convenient as you just need to carry a small plastic card to be able to pay for anything. When paying with plastic you will need to either sign a receipt or enter a PIN number to confirm the purchase and that you are authorized to use the card

What is the purpose of the head office of a bank? 

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

That was such a difficult test. They couldn’t do that test well. 

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. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

          Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself. 

What is the author's purpose in this passage? 

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

"You should do exercise and eat more vegetables", the doctor said to me.

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. 

     The biologist's role in society as well as his moral and ethical responsibility in the discovery and development of new ideas has led to a reassessment of his social and scientific value systems. A scientist can no longer ignore the consequences of his discoveries; he is as concerned with the possible misuses of his findings as he is with the basic research in which he is involved. This emerging social and political role of the biologist and all other scientists requires a weighing of values that cannot be done with the accuracy or the objectivity of a laboratory balance. As a member of society, it is necessary for a biologist now to redefine his social obligations and his functions, particularly in the realm of making judgments about such ethical problems as man's control of his environment or his manipulation of genes to direct further evolutionary development. 

     As a result of recent discoveries concerning hereditary mechanisms, genetic engineering, by which human traits are made to order, may soon be a reality. As desirable as it may seem to be, such an accomplishment would entail many value judgments. Who would decide, for example, which traits should be selected for change? In cases of genetic deficiencies and disease, the desirability of the change is obvious, but the possibilities for social misuse are so numerous that they may far outweigh the benefits. 

     Probably the greatest biological problem of the future, as it is of the present, will be to find ways to curb environmental pollution without interfering with man's constant effort to improve the quality of his life.  Many scientists believe that underlying the spectre of pollution is the problem of surplus human population. A rise in population necessitates an increase in the operations of modern industry, the waste products of which increase the pollution of air, water, and soil. The question of how many people the resources of the Earth can support is one of critical importance. 

          Although the solutions to these and many other problems are yet to be found, they do indicate the need for biologists to work with social scientists and other members of society in order to determine the requirements necessary for maintaining a healthy and productive planet. For although many of man's present and future problems may seem to be essentially social, political, or economic in nature, they have biological ramifications that could affect the very existence of life itself

The word "underlying" in paragraph 3 could best be replaced by_____ .