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 following questions. 

     At the turn of the twentieth century, people's attitudes toward money were far more conservative than they are today. Borrowing and being in debt were viewed as a moral failing, almost as a disgrace. Thrift and saving were highly prized, and people who needed to borrow to make ends meet were seen as careless, unreliable, or extravagant. The focus in the economy as a whole was on developing large corporations like railroads, oil companies, and other companies that produced basic goods and services. 

     Then, in the 1920s, the economy changed. A huge network of banks and financial institutions developed, helping money to move more quickly and easily through the economy. At the same time, the economy was increasing its focus on consumer goods-clothing, cars, household appliances, and other things that individuals buy. To help promote the sale of these items, consumers were encouraged to buy on credit. If they could not afford an item right away, a store or a bank might lend them the money, which they could pay back in installments. 

          With the development of consumer credit and installment purchases, people's attitudes toward debt and spending changed. The model citizen was no longer someone who was thrifty, buying only what he or she needed. People were respected less for being thrifty than for knowing how to use their money to buy as many things as possible - an attitude that persists at the turn of the twenty-first century

According to the passage, how did the rise of consumer credit change people's attitudes toward debt and spending?

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

While looking for the dictionary, the boy came across some of the childhood photos

Mark the letter A, B, C, or D on your answer sheet to indicate the option that best completes each of the following exchanges

- Jenny: "Are you going to see the movie "Kieu" today?"

- Jack: “____________”

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Like many countryside people, I __________ a glass of green tea every morning

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

"Get away now or I will call the police", shouted the girl to the man.

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Even though she was _________ the other girls, Jenny didn't win the beauty contest

Mark the letter A, B, C, or D on your answer sheet to indicate the option that best completes each of the following exchanges

- Jim: "Would you like to do something interesting tomorrow?"

- Jane: “___________”

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Jack was ___________ envy when his colleagues drove up in a brand-new BMV

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 following questions. 

     At the turn of the twentieth century, people's attitudes toward money were far more conservative than they are today. Borrowing and being in debt were viewed as a moral failing, almost as a disgrace. Thrift and saving were highly prized, and people who needed to borrow to make ends meet were seen as careless, unreliable, or extravagant. The focus in the economy as a whole was on developing large corporations like railroads, oil companies, and other companies that produced basic goods and services. 

     Then, in the 1920s, the economy changed. A huge network of banks and financial institutions developed, helping money to move more quickly and easily through the economy. At the same time, the economy was increasing its focus on consumer goods-clothing, cars, household appliances, and other things that individuals buy. To help promote the sale of these items, consumers were encouraged to buy on credit. If they could not afford an item right away, a store or a bank might lend them the money, which they could pay back in installments. 

          With the development of consumer credit and installment purchases, people's attitudes toward debt and spending changed. The model citizen was no longer someone who was thrifty, buying only what he or she needed. People were respected less for being thrifty than for knowing how to use their money to buy as many things as possible - an attitude that persists at the turn of the twenty-first century

What is the main point the author makes in the passage?

Mark the letter A, B, C, or D on you answer sheet to indicate the word that differs from the rest in the position of the main stress in each of the following questions

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

Jim's mother was very busy. She still played with him

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Charles is very keen __________ collecting stamps in his leisure time.

Mark the letter A, B, C, or D on your answer sheet to indicate the word whose underlined part is pronounced differently from that of the rest in each of the following questions

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Certain groups of people are not given work ________ their race or religion.

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

I thought they might be thirsty. I offered them something to drink

Mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the following questions

Melisa works hard _________ her brother is very lazy