A. Use the word given in capitals to form a word that fits in the space.
A recent government report (1) ………………….. (HIGH) the (2) ………………….. (EXTEND) to which credit card debt is spiralling. Blame is (3) ………………….. (PORTION) solely to the credit card companies, who, the report claims, will go to any (4) ………………….. (LONG) to attract new customers. (5) ………………….. (ADD), according to the report, they are responsible for encouraging existing customers to borrow more by raising their monthly limit. Certainly a recent advertising campaign by a major credit card company – which has since been (6) ………………….. (DRAW) – seems to bear these findings out.
However, while the responsibility of the credit card companies is not (7) ………………….. (CONSIDER), it is, in my opinion, unfair to lay all the blame on their shoulders. The (8) ………………….. (MAJOR) of credit card users are able to make their (9) ………………….. (PAY) on time without difficulty. There will always be a (10) ………………….. (MINOR) of people in our society who are financially irresponsible. If they run up huge debts, is it really the credit card company’s fault?
Answers
1 highlights/highlighted 2 extent 3 apportioned
4 lengths 5 Additionally 6 withdrawn
7 inconsiderable 8 majority
9 (re)payments 10 minority
B. Complete the second sentence so that it has a similar meaning to the first sentence, using the word given. Do not change the word given. You must use between three and eight words, including the word given.
11 You’re asking for trouble by arguing with the boss so aggressively like that. ice
You’re ……………………………….. by arguing with the boss so aggressively like that.
12 Are you saying Dan gets angry easily, Fiona? short
Are you saying Dan ……………………………….., Fiona?
13 There’s no doubt shopping around is a good idea. pays
There’s no doubt ……………………………….. around.
14 I’d prefer to get value for money by staying at the theme park all day. worth
I’d rather I ……………………………….. by staying at the theme park all day.
15 I think Dad’s worried about a lot of things at the moment. mind
I think Dad ……………………………….. at the moment.
16 Why didn’t you search everywhere for your wallet? Then you might have found it. low
If ……………………………….. for your wallet, you might have found it.
17 I can’t cope at all with my new job, and that bothers me. depth
I wish ……………………………….. my new job.
18 Jane was the unlucky one so she had to tell Ed he was losing his company car. straw
If Jane ……………………………….., she wouldn’t have had to tell Ed he was losing his company car.
Answers
11 skating on thin ice
12 has (got) a short temper/has (got) a short fuse
13 it pays to shop
14 got my money’s worth
15 has (got) a lot (of things) on his mind
16 you had searched high and low
17 I wasn’t out of my depth in /with/weren’t out of my depth in /with
18 hadn’t drawn the short straw
C. Write a word from the box in each gap. There is one word you will not use.
compensation • debit • deposit • dividend • mortgage • overdraft • payment • pension • sum |
19 It’ll take me 25 years to pay off the …………………….. . Then the house will be mine!
20 We pay all our bills by direct …………………….., so we don’t have to spend hours in long queues.
21 We’re paying for the car in instalments. In fact, we made the first down …………………….. yesterday.
22 When the insurance policy matures, you can either have a one-off lump …………………….. payment, or receive a certain amount per month for ten years.
23 My grandfather used to be in the army, so he gets a small serviceman’s …………………….. every month.
24 I never seem to have any money left in the last week of the month. Maybe I should arrange a/an …………………….. with the bank.
25 We ask that you pay a 10% …………………….. now, and the balance on receipt of the goods.
26 The judge awarded Mrs Thompson £300,000 …………………….. for unfair dismissal.
Answers
19 mortgage 20 debit 21 payment 22 sum
23 pension 24 overdraft 25 deposit 26 compensation
D. Circle the correct word.
27 If we all collect / club / group together, we should be able to afford something special.
28 You’ll need to drum / beat / bang up a lot more support before the council listens to you.
29 Reggie’s watched / timed / clocked up over 3,000 hours’ flying time already.
30 My debts are mounting / climbing / getting up and I’m not bringing enough money in. It’s worrying!
31 Let’s shape / size / lengthen the situation up very carefully before making any important decisions.
32 that I know much. it sounds a lot, but if you break / knock / hit it down into an amount per month, it’s actually not
33 I will lend you the money, but you have to give / pay / hand me back by the end of the week.
34 Hundreds of British people have been buying / spending / purchasing up land all over western Crete.
Answers
27 club 28 drum 29 clocked 30 mounting
31 size 32 break 33 pay 34 buying
E. Choose the correct answer.
35 It’s high time ………………….. up to your responsibilities as a parent.
A to face
B you face
C you faced
D you have faced
36 I’d rather you ………………….. anything for tonight, but I suppose it’s too late to change things now.
A not arrange
B don’t arrange
C didn’t arrange
D hadn’t arranged
37 Do you wish ………………….. a formal complaint?
A to make
B making
C you made
D you to make
38 If only people in our grandparents’ generation ………………….. the opportunities that we take for granted nowadays.
A could have
B could have had
C would have had
D have had
39 Joan definitely wishes she ………………….. to do all the housework.
A doesn’t have
B didn’t have
C wouldn’t have
D hadn’t
40 ………………….. any heavier, we’d never have made it on time.
A Were the traffic
B Had the traffic been
C Should the traffic be
D Be the traffic
41 I’d never kill an animal unless it ………………….. me first.
A has attacked
B will attack
C attacks
D attacked
42 Imagine the Internet ………………….. created. Our lives would be so different, don’t you think?
A wasn’t B hadn’t been
C to not be D to not have been
Answers
35 C 36 D 37 A 38 B 39 B 40 B 41 D 42 B
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