36. There are several principles involved in sound money management that children need to learn. The most important is to spend wisely in such a way as to get full enjoyment and satisfaction. Another is to save for future purchases._________  Finally, children need to have experience in earning money for their own use.
(A) The other is to understand credit and how to use it well.
(B) Still another is to understand credit and how to use it well.
(C) Otherwise, it is to understand credit and how to use it well.
(D) On the other hand, it is to understand credit and how to use it well. 

37. I love the holidays in the Chinese New Year for one simple reason: the perfect time to recharge, renew, and take stock. It is also a time when many of us make promises to ourselves, some of them harder to keep than others. So if you are going to make resolutions,_________ (A) choose those that really deliver and that you can really carry out. (B) control those which have no difficulties and complications involved. (C) predict those which are rather easy and simple compared with others. (D) ensure those that everybody can achieve and carry out easily.

38. In any market environment the best approach for investors is disciplined diversification. This method of investing involves three simple steps. First, allocate your investment across the major asset classes. Second, diversify to get exposure to different investment styles. _________(A) As such, the increasing value of your accounts is predictable and controllable. (B) Finally, respond to the way market activities can shift the value of your accounts. (C) Furthermore, do not worry about your accounts and update it all the time. (D) In conclusion, examine the value of your accounts on a routine schedule.

39. _________ For instance, it is producing a new understanding of how cancer develops. It is helping researchers to design more effective and less harmful drugs. It is providing precise information on who is most vulnerable to what kind of illness. Perhaps most importantly, it is bringing new insights into the function of regulatory genes which affect all human growth and development, from birth to death. (A) Genetics is progressing so rapidly that it is transforming medical research. (B) Genetics discovers the effective treatment for cancer. (C) Genetics is creating new facts about the human body. (D) Genetics focuses on the study of regulatory genes which affect birth and death.

40. Doctors tell us sudden chest pain is a sign for having a heart attack. That may be true for men, _________ That may explain why so many women delay seeking treatment, even though 95% of the women had symptoms new to them such as unusual fatigue, shortness of breath, and anxiety for weeks before the attack. (A) due to \(43\%\) of the women who seek medical treatment for the pain. (B) since \(57\%\) of the men have higher tolerance for pain than women have. (C) but \(43\%\) of female heart attack survivors did not have any chest pain. (D) because \(57\%\) of the male victims did not delay heart attacks like women.

41. One of the central issues of the 21st century is abortion. On one side of the question are the prolifers who believe that abortion is taking life and that the government must protect the rights of all its citizens, _________ On the other side are the prochoice supporters who believe that abortion should be permitted by law under certain circumstances. (A) including the right of an unborn infant to live. (B) particularly the pride of the pregnant mother. (C) excluding the custody of teenage parents. (D) specifically the expectations of new parents.

42. Most stuttering begins right after a child is developed in his/her listening ability and is starting to talk spontaneously. One out of 30 children will undergo a brief period of stuttering, lasting 6 months or so. Boys are four times as likely as girls to stutter. _________ It may follow an illness or an emotionally shattering event, such as a death in the family. (A) Generally, stuttering arises in an older child or even in an adult. (B) Clearly, stuttering arises in an older child or even in an adult. (C) Occasionally, stuttering arises in an older child or even in an adult. (D) Hopefully, stuttering arises in an older child or even in an adult.

43. _________ Since 1861, the average temperature all over the world has gone up one degree Fahrenheit. This may not seem like much, but if the trend continues, the result will be disastrous. The ice caps would melt, flooding all coastal areas and reducing the total land area of the earth by 30 percent. All climatic zones would change; farmland would turn to desert and forest into grassland. (A) Famous landmarks of the earth have changed for the last 140 years. (B) Famous landmarks on earth have not been changed until 140 years ago. (C) There is a steady increase in the temperature of the earth since 140 years ago. (D) There has been a steady increase in the temperature on earth since 140 years ago.

44. The three most distinguished musical instruments ever invented are the violin, the piano, and the pipe organ. Of these, the violin still remains the instrument of the great masters. _________ It is the instrument of the accomplished musician. (A) No method of playing it has yet been recovered except by the slow and tedious process of learning it. (B) No method of playing it has yet been developed except by the slow and tedious process of learning it. (C) Neither method nor technique has yet been recovered except by the slow and tedious process of learning it. (D) Either method or technique has yet been developed except by the slow and tedious process of learning it.

45. The mature person is no longer primarily a receiver. He receives but also gives. His giving does not depend on his expectation of return. It is giving for its own sake. Giving and producing are not seen by the mature person as a duty; _________ Just as for the growing child, receiving love and help are the main sources of pleasure, for the mature person pleasure consists primarily in spending his energies productively for the sake of other persons and for outside aims. (A) he should have a sense of responsibility, honesty, and courage. (B) he gives and produces his energies with pleasure for selfless service. (C) everyone works hard and asks for no return in helping others. (D) a receiver sometimes plays the role of a giver depending on the return. 

46. (1) When we skim an article, we don't read every word. (2) We usually look through it quickly to get a general idea of the writing. (3) For example, when we read the newspapers, we don't look at every word of every news story.(4) Instead, we skim through the report for a general idea of the latest happenings. (A) 1342 (B) 1243 (C) 1234 (D) 2341

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