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FFK 81.2 Ar
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]rux ..,
m t: ..
Vu u s s ]t tx st
3. ] ]rux H.C.u
Vu-u s s
Hu-ur B3u3H
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4!)#) /0.5 C ux I ,
521500 (), 521600 - 3 (). .: B3u3H,
2009.


FFK 81.2 Ar
B sut
]-+u
2
( B3u3H), 2009
6-"7("
'"-"" .............................5
85 . 9"-"!") #+:"#&'&"!,.; ................6
Te 1a ............................6
Te 1b ..........................7
Te 1c ..........................8
Te 1d ..........................9
Te 1e ...........................10
15 . 9"-"!") 4!(4!(; .................11
Te 2a ...........................11
Te 2b ...........................12
Te 2c ............................13
. 9"-"!") (0'(/; 9*"##) .............14
Te 3a ...........................14
Te 3b ...........................15
9"-"!"" 9*"## 9 "!(;;+ </'!"= (&" ......16
Te 4 ...........................16
>5 . 9"-"!")? %((&"0+=:% 0"#;"( ........18
Te 5a ............................18
Te 5b ..........................19
. 9"-"!") (0!$.; &9(; ;""-7"' ..........20
Te 6a ............................20
Te 6b .............................21
@5 A- #+:"#&'&"!,.; #;'...............22
Te 7 .............................22
A- #+:"#&'&"!,.; (&;' ...............................23
Te 8...........................23
3
35 A- 4!(4!(; #;' ...................24
Te 9 ...........................24
825 A- 4!(4!(; (&;' ..................25
Te 10...........................25
885 A- 9!(4(&"!,.; #;' ................26
Te 11 ..........................26
815 A- 9!(4(&"!,.; (&;' ...............................................27
Te 12...........................27
8B5 A- 9-%-/:% 9 #;.#!+ #!' ' (0!$.% 9"-!7"/%
Te 13a ...........................28
Te 13b ...........................29
Te 13c ............................30
8C5 A- 9-%-/:% 9 #;.#!+ *(0 ' (0!$.%
9"-!7"/% ..........................31
Te 14 ...........................31
A- 9-%-/:% 9 #;.#!+ #!' ' 9"-!7"/% &"#&( .........32
Te 15a .............................32
Te 15b .............................33
Te 15c .............................34
Te 15d .............................35
Te 15e .............................36


4
'"-""
t u t sut B3u3H, ummx
() 3 (). O
t ] u n s t
s ux n +u .
Htm r t
nt r st. H s 15 s. Hrt
t mm t s: t mtt
rr, s ], ]
m , mtt, rr
rtt mmx .
t r r tt tst
u ur r tm ttx ,
u su +s r st, r H-
m.
5
85 . 9"-"!") #+:"#&'&"!,.;
T 1
H mtt (1 - 10) mm (a - j):
8. DEFGH I5 how good or bad something is
15 JKILMEN O5 the buying and selling oI goods, services, currencies or
securities
B5 OKDMPHDD Q5 commercial activities in general, such as trading, buying
and selling, manuIacturing, arranging deals
C5 EGIRH R5 Iood, etc that is grown on a Iarm and sold
>5 SGFRKQH H5 a place where goods are sold to the public
T5 QFUSIPN V. a room or building that belongs to a company with rooms
where people can work at desks
@5 FVVMQH W. a business organization that makes or sells goods or services
X5 QKDEFUHG Y5 a person who works Ior another person or organization in
return Ior wages
35 HUSLFNHH M5 a person who buys something Irom a shop
825 ZFG[ \5 what a person does to earn money
6
O] m t n:
1 2 3 4 5 6 7 8 9 10
T 1b
H mtt (1 - 10) mm (a - j):
85 HQFPFUN I5 the amount oI money Ior which something can be bought or
sold
1. VMPIPQH O5 a person or organization that buys and sells, especially shares
or insurance
B5 QFDE Q5 a country`s money supply, trade and industry
C5 SGMQH R5 money received Irom work done, or Irom money invested or
property owned
>5 UFPHN H5 money as a resource Ior business and other activities
T5 OGF[HG V5 the amount oI money paid or charged Ior goods or services
@5 H]QYIPWH W5 means oI payment, especially coins and bank notes
X. UIG[HE Y5 giving or receiving something in return Ior something else
35 HUSLFNUHPE M5 the place where people meet Ior buying and selling
825 MPQFUH \5 regular paid work
O] m t n:
1 2 3 4 5 6 7 8 9 10
7

T 1c
H mtt (1 - 10) mm (a - j):
85 WFFRD I5 the act oI doing business or carrying out a business deal
15 EGIPDIQEMFP O5 manuIactured items or raw materials that are Ior sale
B5 QFUUHGQH Q5 an organization that holds money, important documents and
other valuables in saIe keeping, and lends money at interest
C5 HUSLFNHG R5 a list showing how much you have to pay Ior services or
goods received
>5 IQQFKPE H5 the buying and selling oI goods and services
T5 OIP[ V5 the desire oI consumers to obtain goods and services
@5 OMLL W5 a person or company that pays people to work Ior them
X5 QYHJKH Y5 an arrangement between a bank and a customer that allows
the customer to pay in and take out money
35 RHUIPR M5 a printed Iorm that you use to pay Ior something instead oI
using money
825 DKSSLN \5 the amount oI something that is available to use or buy
O] m t n:
1 2 3 4 5 6 7 8 9 10
8

Te 1d
H mtt (1 - 10) mm (a - j):
8. QFPDKUHG I5 a position oI regular paid work
15 \FO O5 an amount oI money that a business organization
has to spend on something
B5 MPVLIEMFP Q5 a person who buys goods and services Ior his / her own
use and not resale
C5 MPRKDEGN R5 a continuing increase in the prices oI goods and services
>5 LFIP H5 the production oI raw materials and goods
T5 QGHRME V. an amount charged Ior money borrowed
@5 MPEHGHDE W. a sum oI money paid into a bank or savings account
X5 H]SHPDH Y5 money or property used to produce wealth
35 RHSFDME M5 an arrangement with a shop, bank, supplier etc to buy
something now and pay Ior it later
825 QISMEIL \5 money borrowed Irom a bank, Iinancial institution, person
etc on which interest is usually paid to the lender until the
loan is repaid
O] m t n:
1 2 3 4 5 6 7 8 9 10
9
Te 1e
H mtt (1 - 10) mm (a - j):
8. GHEIML I5 money in the Iorm oI banknotes and coins
15 OKL[ O5 a business agreement to buy or sell goods or provide a service
B5 RHIL Q5 money owed by one person or organization to another
C5 QIDY R5 large size, volume or quantity
>5 RHOE H5 the sale oI goods to customers Ior their own use, rather than
to shops etc
T5 OFFU V5 money given to an employee by an employer in return Ior work
@5 SIN W5 a place where goods are stored and sold
X5 SGFVME M5 money lost in a business deal; a Iinancial deIicit
35 LFDD \5 a rapid increase in sales, proIits, production, etc; a time oI
prosperity
825 DYFS [5 the money gained in a business deal, especially the diIIerence
between the amount earned and the amount spent
O] m t n:
1 2 3 4 5 6 7 8 9 10


10
15 . 9"-"!") 4!(4!(;
Te 2a
H rr (1 - 10) mm (a - j):
8. EF OKN I5 to ask Ior payment Ior goods or services
1. EF DHLL O5 to get something by paying money
B5 EF UIPKVIQEKGH Q5 to make goods to sell Irom raw materials
C5 EF SIN R5 to give something to someone in exchange Ior money
>5 EF VMPIPQH H5 to grant or obtain the use oI property, land, machinery
etc Ior a Iixed period
T5 EF LHPR V. to obtain or supply money Ior a business or other activity
@5 EF OFGGFZ W. to give someone a sum oI money on the understanding
that it will be paid back with interest aIter a Iixed
period
X5 EF GHPE Y5 to pay money Ior the use oI land, or an oIIice, machinery etc
35 EF QYIGWH M5 to give money to someone Ior something
825 EF LHIDH \5 to receive money Irom a person, a bank or organization
and agree to pay it back later, usually with interest
O] m t n:
1 2 3 4 5 6 7 8 9 10
11
T 2b
H rr (1 - 10) mm (a - j):
8. EF RHUIPR I5 to make, grow or provide something
1. EF DKSSLN O5 to become less in amount or quantity
B5 EF EGIRH Q5 to need or require something
C5 EF SGFRKQH R5 to buy and sell goods, services or securities
>5 EF MPQGHIDH H. to buy and use goods, services, energy, or natural materials
T5 EF LFZHG V. to provide a person or an organization with a product or a
service
@5 EF QFPDKUH W. to buy something, especially something big or expensive
X5 EF QFDE Y5 to plan and control how much you spend
35 EF SKGQYIDH M5 to become or make something greater in number, quantity,
size etc
825 EF OKRWHE \5 to be the price oI something
O] m t n:
1 2 3 4 5 6 7 8 9 10

12
Te 2c
H rr (1 - 10) mm (a - j):


85 EF SGF^MRH I5 to give someone work, especially Ior payment
1. EF DSHPR O5 to give someone what they need, or to make sure they get it
B5 EF GKP Q5 to check that something is as it should be
C5 EF HUSLFN R5 to say that you are willing to give someone something, or to
give them it
>5 EF MP^HDE H. to increase in number, amount, or value
T5 EF FVVHG V. to use your money to buy or pay Ior things
@5 EF QFPEGFL W. to sell goods to other countries
X5 EF GMDH Y. to buy shares, bonds, property etc in order to make a proIit
35 EF MUSFGE M5 to control or be in charge oI an organization, company, or
system
825 EF H]SFGE \5 to bring something into a country Irom abroad, usually in order
to sell it
O] m t n:
1 2 3 4 5 6 7 8 9 10

13
B5 . 9"-"!") 9*"##/;
Te 3a

H ] (1 - 10) mm (a - j):

85 I UIG[HEHG I5 a person or an organization that promotes and sells
products and services in a certain market

15 I UIPIWHG O5 a student oI or an expert in economics
B5 _P IQQFKPEIPE Q5 a person whose job is to collect taxes
C5 I OFF[ ` [HHSHG R5 a person who is employed to control, organize and
direct part or all oI a business or organization
>5 I VMPIPQMHG H5 a person who audits accounts
T5 IP IKRMEFG V5 a person whose job is to sell goods
@5 I DILHDSHGDFP W5 a person whose job is recording business transactions

X5 IP HQFPFUMDE Y5 a person engaged in Iinancing businesses, etc on a
large scale
35 I EI] MPDSHQEFG M5 an owner, a director or a manager oI a bank

825 I OIP[HG \5 a proIessionally trained person whose job is to keep
and check the Iinancial records oI an organization or
to advise people on income, spending, tax, etc.
O] m t n:
1 2 3 4 5 6 7 8 9 10
Te 3b

14
H ] (1 - 10) mm (a - j):

85 I QIDYMHG I5 an employee in an oIIice, usually working Ior another
person, dealing with letters, typing, Iiling etc
and making appointments and arrangements
15 I LIZNHG O5 a person whose job is to receive and pay out money in
a bank, shop, hotel etc
B5 IP MPDKGHG Q5 a person who is trained and qualiIied in legal matters
C5 I DHQGHEIGN R5 a person who writes programs Ior a computer

>5 I DQMHPEMDE H5 someone who works or is trained in science
T5 I GHQHSEMFPMDE V5 a person undertaking to make payment in case oI loss
etc
@5 I DFLMQMEFG W5 a person to whom money is owed
X5 I SGFWGIUUHG Y. a person employed to make appointments Ior and
receive clients at a hotel

35 I QGHRMEFG M5 a lawyer who prepares legal documents, advises clients
on legal matters, and speaks Ior them in the lower
courts

825 I UHGQYIPE \5 a wholesale trader, especially one who trades with
Ioreign countries
O] m t n:
1 2 3 4 5 6 7 8 9 10

C5 9"-"!"" 9*"## 9 "!(;;+ </'!"= (&"
Te 4

15
Ht s ] (a - j) m
(1 10):
Ia IQQFKPEIPE Va QFUSKEHG FSHGIEFG
Oa IR^HGEMDMPW H]HQKEM^H Wa QYIKVVHKG
Qa IDDHUOLN SHGDFP Ya GHQHSEMFPMDE
Ra DILHDSHGDFP Ma SHGDFPPHL FVVMQHG
Ha QLHG[ \a bcd eIPIWHG f
R&D Manager research and development manager

1.You will be in charge oI a team oI highly creative individuals delivering new
quality products and enhancing our existing range.

2. Reporting directly to Managing Director. You will take over Iinancial control
Ior all aspects oI daily operation.
3. SuccessIul applicant will be articulate and presentable. Remuneration includes
retainer and car allowance plus commission structure.

4. Duties include Iilling, mailing, reception and other general oIIice work.
5. Needed Ior night shiIt. Clean modern Iactory. Varied work. Good eyesight
essential.

6. You will be an essential member oI an agency responsible Ior some oI the
country`s top accounts. You will be responsible Ior the administration oI local
and national promotions.
7. Some experience in the above-mentioned soItware is essential but training will
be given to the successIul applicant.
8. Sober habits, clean driving licence, able to be on call 7 days per week at times.
uniIorm supplied.
9. You are the Iirst person our clients will meet so you need to be Iriendly,
stylish and eIIicient.
10. With particular responsibilities Ior recruitment and selection.
Communication skills and a pragmatic approach to problem solving
essential.
16

O] m t n:
1 2 3 4 5 6 7 8 9 10

>5 . 9"-"!")? %((&"0+=:% 0"#;"(
Te 5a
H rtt (1 10) , xsmm s
17
(a j):

85 YIGR-ZFG[MPW I5 concerned with practice and action rather than theory
15 YIGUFPMFKD O5 possessing intuition
B5 SKGSFDHVKL Q5 having conIidence in oneselI, one`s abilities
C5 SGKRHPE R5 Iree Irom disagreement or ill Ieeling
>5 DHLV-QFPVMRHPE H5 having power to inspire devotion and enthusiasm
T5 SGIQEMQIL V5 working with care and energy
@5 MPEKMEM^H W5 acting with or showing care and Ioresight
X5 QYIGMDUIEMQ Y5 consistently good in quality or perIomance, and so
deserving trust
35 GHLMIOLH M5 able to be trusted
825 VIMEYVKL \5 having or showing determination or will-power

O] m t n:
1 2 3 4 5 6 7 8 9 10

Te 5b
H rtt (1 10) , xsmm s
(a j):
18
85 [MPR I5 having or showing power oI learning, understanding and
reasoning
15 WHPHGFKD O5 relaxed in manner; placid and tolerant

B5 MPEHLLMWHPE Q5 Iriendly and thoughtIul to others
C5 QYHHGVKL R5 Iree Irom meanness or prejudice
>5 HIDNWFMPW H5 not vain or boastIul

T5 UFRHDE V5 causing happiness; pleasant
@5 ZMEEN W5 Iull oI clever humour
X5 HPEYKDMIDEMQ Y5 having or showing the skill or qualities oI a proIessional
person
35 SGFVHDDMFPIL M5 behaving in a kind and pleasant way
825 VGMHPRLN \5 Ieeling or showing a lot oI interest and excitement about
something
O] m t n:
1 2 3 4 5 6 7 8 9 10

T5 A- 9"-"!") (0!$.; &9(; ;""-7"'
Te 6a
H s (1 10) mm
(a j):
19
85 OIP[ UIPIWHG I5 a manager who is in charge oI making materials or
goods
15 OKDMPHDD UIPIWHG O5 a manager in a company who is responsible Ior the
development and marketing oI a particular
product

B5 SGFRKQE UIPIWHG Q5 someone in charge oI a branch oI a bank
C5 SGFRKQEMFP UIPIWHG R5 a manager who has a wide range oI management
skills, rather than one special skill
>5 WHPHGIL UIPIWHr H5 a manager whose job is to develop new products

T5 GHDHIGQY UIPIWHr V5 someone in charge oI a company`s selling activities
and the people whose job is to sell its products
@5 DILHD UIPIWHG W5 a manager who is in charge oI taking care oI a
company`s employees, organizing recruitment,
training
X5 SHGDFPHL UIPIWHG Y5 a person or organization responsible Ior a
particular piece oI work that will create
something new or improve a situation

35 SGF\HQE UIPIWHG M5 someone whose job is to manage investments Ior
a Iinancial institution or its clients

825 MP^HDEUHPE UIPIWHG \5 a person whose job is to manage and control the
Iinancial activities oI a company, organization,
or part oI organization
O] m t n:
1 2 3 4 5 6 7 8 9 10
20
Te 6b
H s (1 10) mm
(a j):
85 IQQFKPE UIPIWHG I5 a manager involved with business activities oI a
company, especially dealing with customers,
rather than with other activities
15 IDDMDEIPE UIPIWHG O5 a manager who is directly in charge oI producing
21
goods or providing services, and who works most
closely with ordinary employees

B5 OGIPQY UIPIWHG Q5 someone who helps another manager, does their
work when they are not there etc

C5 OGIPR UIPIWHG R5 a manager who is in charge oI a particular Iactory
>5 QFUUHGQMIL UIPIWHr H5 an investment manager with a group oI diIIerent
types oI investments, who tries to balance the
risks and proIits oI each in relation to the rest

T5 VLFFG UIPIWHr V5 someone who deals with a particular client or
group oI clients, especially in a bank
@5 VKPR UIPIWHG W5 someone whose job is to manage a department or
Iloor in a large store
X5 LMPH UIPIWHG Y5 someone in charge oI a particular branch oI a
bank, shop in a chain oI shops

35 SLIPE UIPIWHG M5 someone in a company responsible Ior developing
and selling one particular brand oI product

825 SFGEVFLMF UIPIWHG \5 someone whose job is to manage a particular type
oI investment Ior a Iinancial institution or its
clients
O] m t n:
1 2 3 4 5 6 7 8 9 10
22
@5 A- #+:"#&'&"!,.; #&'"&#&'+=:% ; #;'
Test 7
H mtt (1 15 ) mm t (a o):
85 SKGQYIDHG I5 diIIiculty
15 QGMDMD O5 saving
B5 HQFPFUN Q5 commerce
C5 UIPIWHUHPE R5 buyer
23
>5 VMPIPQH H5 administration
T5 SGFRKQEMFP V5 employment
@5 SGFVHDDMFP W5 earnings
X5 MPQFUH Y5 making
35 EGIRHG M5 beneIit
825 MPEHGHDE \5 seller
885 JKILMEN [5 banknotes
815 WFFRD L5 stock
8B5 UFPHN U5 characteristics
8C5 RHUIPR P5 commodities
8>5 DKSSLN F5 need
O] m t n:
1 2 3 4 5 6 7 8 9 1
0
1
1
1
2
1
3
1
4
15
X5 A- #+:"#&'&"!,.; #&'"&#&'+=:% ; (&;'

gH#& X
H mtt (1 10) mm t (a j):
85 SGFRKQEMFP I5 deIlation
15 MPQFUH O5 city

B5 SGFVMQMHPQN Q5 lack
24
C5 QFKPEGN R5 consumption

>5 DKSSLN H5 expenditure
T5 ZFG[HG V5 honesty
@5 WGFZEY W5 incompetence
X5 MPVLIEMFP Y5 idler
35 QFGGKSEMFP M5 decline
825 GMD[ \5 saIety
O] m t n:
1 2 3 4 5 6 7 8 9 10

35 A- 4!(4!(; #&'"&#&'+=:% ; #;'
Te 9

H rr (1 10) mm t (a j):
85 EF EGIRH I5 to hire
15 EF OKN O5 to lend

B5 EF DKSSLN Q5 to exchange
25
C5 EF GHPE R5 to use

>5 EF LFIP H5 to have
T5 EF QFUSHEH V5 to purchase
@5 EF QGHIEH W5 to provide
X5 EF SGFRKQH Y5 to make
35 EF QFPDKUH M5 to manuIacture
825 EF FZP \5 to challenge
O] m t n:
1 2 3 4 5 6 7 8 9 10

825 A- 4!(4!(; #&'"&#&'+=:% ; (&;'
Te 10
H rr (1 10) mm t (a j):
85 EF OKN I5 to use up
15 EF VM] O5 to harm

B5 EF GMDH Q5 to lack
26
C5 EF DKSSLN R5 to low

>5 EF LHPR H5 to sell
T5 EF DI^H V5 to borrow
@5 EF ZFG[ W5 to change
X5 EF ZYFLHDILH Y5 to spend
35 EF OHPHVME M5 to rest
825 EF GHDHG^H \5 to retail
O] m t n:
1 2 3 4 5 6 7 8 9 10

885 A- 9!(4(&"!,.; #&'"&#&'+=:% ; #;'
Te 11
H rtt (1 10) mm t (a j):
85 OKDN I5 own
15 ZMRH O5 regional

B5 H]SHPDM^H Q5 cut-price
C5 QYHIS R5 active

>5 I^IMLIOLH H5 broad
27
T5 SGM^IEH V5 costly
@5 UFRHGP W5 obtainable
X5 DKQQHDDVKL Y5 innovative
35 LFQIL M5 well-doing
825 MPEHGPIL \5 domestic
O] m t n:
1 2 3 4 5 6 7 8 9 10

815 A- 9!(4(&"!,.; #&'"&#&'+=:% ; (&;'
Te 12
H rtt (1 10) mm t (a j):
85 SGM^IEH I5 low
15 OKDN O5 same

B5 H]SHPDM^H Q5 public
C5 YMWY R5 cheap

>5 ^IQIPE H5 lazy
T5 ^ILKIOLH V5 occupied
28
@5 DIVH W5 Ilexible
X5 GMWMR Y5 risky
35 SHGDFPIL M5 useless
825 FSSFDMEH \5 public
O] m t n:
1 2 3 4 5 6 7 8 9 10

8B5 A- 9-%-/:% 9 #;.#!+ #!' ' (0!$.% 9"-!7"/%
Te 13a
Bt r xm t :
1.The ...... line was shut down Ior two hours as a result oI damaged machinery.
Ia SGFRKQEMFP Oa RHLM^HGN Qa QFPEGFL
2. InIormation on ....... prices is available to brokers throughout the world.
Ia UIG[HE Oa DYIGH Qa EGIRMPW
3. I am going to ....... my trip to New-York. The situation changed completely.
Ia RHPN Oa GHVKDH Qa QIPQHL
4. The recent boom in consumer spending resulted in sales ....... .
Ia GHQHDDMFP Oa WGFZEY Qa MUSGF^HUHPE
5. Hewlett Packard is known as one oI the most reputable ...... in the electronic and
computer industry.
Ia QKDEFUHGD Oa DKSSLMHGD Qa OKNHGD
29
6. What is the secret oI their Iantastic commercial ........ ?
Ia SGFRKQEMFP Oa DKQQHDD Qa UIG[HE
7. A movement oI money into or out oI an account is called ....... .
Ia EGIPDIQEMFP Oa FSEMFP Qa MP^FMQH
8. We decided to ...... the new model at the trade Iair in autumn.
Ia UIPKVIQEKGH Oa SGFRKQH Qa LIKPQY
9.Our company is ready to sponsor the city Iootball team iI they wear our .... on their
shirts.
Ia LFWF Oa OGIPR Qa DLFWIP
10.The 1929 ...... market crash led to the great depression in many countries.
Ia DYIGH Oa DEFQ[ Qa DEI[H
O] m t n:
1 2 3 4 5 6 7 8 9 10
Te 13b
Bt r xm t :
1. During the bear market a lot oI Iirms went ......... .
Ia IYHIR Oa OIP[GKSE Qa UHLRMPW
2. Monthly salaries oI our staII go directly into their ....... .
Ia MP^FMQHD Oa MPEHGHDED Qa IQQFKPED
3. My cash ........ was $ 300.
Ia QGHRME Oa DKU Qa RHSFDME
4. II you own some shares oI a company you receive ........per share.
Ia MPEHGHDE Oa RM^MRHPRD Qa DILIGN
5. He ....... most oI his savings in the Stock Exchange.
Ia WI^H Oa VM]HR Qa MP^HDEHR
6. A great number oI companies in Russia were ..... by the 1998 Iinancial crash.
Ia HVVHQEHR Oa IVVHQEHR Qa MPVHQEHR
30
7. This type oI coIIee is the ... leader.
Ia LFWF Oa DLFWIP Qa OGIPR
8. Last month they started their advertising campaign with the new corporate .... .
Ia DLFWIP Oa EHIU Qa ISSHIL
9. New technologies make global .... easier.
Ia QFUUKPMQIEMFP Oa EGI^HLLMPW Qa UIG[HE
10. You can buy the same soItware quite .... at our local market.
Ia GHIDFPIOLH Oa QYHISLN Qa VGHH

O] m t n:
1 2 3 4 5 6 7 8 9 10

Te 13c
Bt r xm t :
1. The income made by the normal activities oI a business is known as ...... .
Ia EKGPF^HG Oa FSHGIEMPW SGFVME Qa WGFDD SGFVME
2. Fixed assets are what a company ...... .
Ia FZHD Oa FZPD Qa DHLLD
3. Current liabilities are what a company ....... .
Ia MP^HDED Oa OKND Qa FZHD
4. Wealth used to produce more wealth is called .... .
Ia LMIOMLMEMHD Oa QISMEIL Qa WFFRD
5. Balance sheet is a statement oI how much ..... has come in and how much has gone
out.
aa DYIGHD Oa UFPHN Qa QISMEIL
6. The goods which a company intends to sell to its customers are known as ... .
Ia I DEFQ[ Oa I QISMEIL Qa I DEI[H
7. Venture capital is money lent to ....... .
31
Ia DSHPR FP QYIGMEN Oa DEIGE I GMD[N OKDMPHDD Qa OKN IP HDEIEH
8. In the summer sales you can sometimes get warm clothes at a ..... prices.
Ia VGHH Oa QYHISLN Qa WM^HIZIN
9. I`m a salesman and work in the ..... department.
Ia H]SFGE Oa IR^HGEMDMPW Qa SGFRKQEMFP
10. Due to our new supply system more products are ..... to consumers.
Ia I^IMLIOLH Oa GHRKQH Qa LMUMEHR
O] m t n:
1 2 3 4 5 6 7 8 9 10
8C5 A- 9-%-/:% 9 #;.#!+ *(0 ' (0!$.% 9"-!7"/%
Te 14
Bt r u? xm t:
I5 oIIice work V5 pragmatic approach
O5 Iinancial control W5 particular responsibilities
Q5 problem solving Y5 fR&D Manager
R5 clean driving licence M5computer operator
H5 night shiIt \5 creative individuals

R&D Manager research and development manager
1. She`s an .... oI this team. We can`t do without her.
2. You get more money iI you work on ...... but it ruins your social liIe.
3. He had a very .... to solving problems.
32
4. I didn`t get the job as a driver as I didn`t have a .... .
5. My .... are health and saIety but I`m also concerned with the general welIare
oI employees.
6. ...... is a person whose proIession is to operate a computer.
7. They made these things by means oI skill and intelligence. They are very ..... .
8. My ..... is to do important duties in the oIIice.
9. Can you Iind approach to ..... ?
10. Who takes over .... Ior this project?
O] m t n:
1 2 3 4 5 6 7 8 9 10
33
8>5 A- 9-%-/:% 9 #;.#!+ #!' ' 9"-!7"/% &"#&(
Te 15a
Bt xm t (a-j) (1-10) :
Ia DIVHWKIGRMPW Va VMPIPQMPW
Oa QGHRME Wa MPEHGHDE
Qa UFGEWIWH Ya LHPRMPW
Ra DHQKGMEMHD Ma QISMEIL
Ha RHOE \a QFPRMEMFPD

With the (1) ... crunch, Fannie and Freddie, the country`s (2)..... giants,
have become more important than ever, (3) .... some 80 oI mortgages. So they will
need to keep (4) ....... . Nor is the scope to oIIload their portIolios oI mortgage-backed
(5) ..... , given that there are scarcely any buyers oI such (6)... . And iI the Fed
has to worry about (7) ......... . Fannie and Freddie, can it aIIord to raise (8)
..... rates to combat inIlation? American monetary policy may be constrained. Fannie
34
and Freddie can survive without raising (9) ..... until market (10) .......
improve.
O] m t n:
1 2 3 4 5 6 7 8 9 10

Te 15b
Bt xm t (a-j) (1-10) :
Ia RH^HLFSHR Va HUSLFNHHD
Oa GHIDFP Wa EGIMPMPW
Qa ZFG[HGD Ya DEIVV
Ra GHEMGHUHPE Ma WHPHGIEMFP
Ha LFDMPW \a KPHUSLFNUHPE

In France the (1) ..... age is 60, not 65 as in most (2) .... countries. The
main (3) ..... is that in the 1980s, when there was high (4) ......., the
government promoted early retirement. That entrenched the idea that older (5) .......
were less productive. Now companies are worried about (6) ...... their most skilled
workers, especially as the baby-boom (7) ..... nears retirement. Areva, a nuclear-
power group, recently launched a scheme to address the needs oI older (8) ....., and
plans to use about 100 retired people a year through Experc!!ec". Areva stopped (9) .....
engineers, so that much oI its expertise lies with its (10) .... .

35
O] m t n:
1 2 3 4 5 6 7 8 9 10


gH#& 8>Q
Bt xm t (a-j) (1-10) :
Ia RHQGHIDH Oa MPQGHIDH
Qa QFDE Ra GHIDFPD
Ha SGMQHD Va DKSSLMHGD
Wa HQFPFUMDED Ya I DYFGEIWH
Ma ZIWHD \a QKDEFUHGD
InIlation is an overall (1) ... in prices over a certain period oI time. In most oI
Europe, Ior example, (2) .... have risen year aIter year Ior at least the last 50 years.
DeIlation
is an overall (3) ..... in prices, but the trend is mostly Ior the (4) .... oI living to
increase.
InIlation can happen Ior a number oI (5) ...., but the (6) ..... say there are
two main culprits. These are demand-pull inIlation and cost-push inIlation. Demand-pull
inIlation can happen when the economy is growing Iast. Aggregate demand begins to grow
Iaster than (7) .... can cope with. This causes (8) ...... and prices rise. At Iirst,
36
( 9) ..... may be able to pay the higher prices, and demand grows again. Cost-push
inIlation, on the other hand, occurs when prices rise without an increase in demand. This
happens when suppliers` variable costs increase sharply. For example, workers may demand
higher (10) ..... or raw materials may become more expensive. Producers then pass these
increases on to consumers by raising prices. So, as usual, we are ones to pay.
O] m t n:
1 2 3 4 5 6 7 8 9 10
Te 15d
Bt (1-10) xm t (a-j):
Ia MPEHGHDE Va MPVLKHPQH
Oa MPQFUH Wa EF DSHPR
Qa HQFPFUN Ya SGFRKQED
Ra QFPDKUHG Ma SGFRKQHGD
Ha GHDFKGQHD \a OKDMPHDDHD
Most people earn their (1) .... Irom the work they perIorm. Some people
also receive income by renting or selling land and other natural (2) ... they own, as proIit
Irom a business or entrepreneurial venture, or Irom (3) .... paid on their savings
accounts or other investments.
In a market (4) ...., the basic resources used to make the goods and services that
satisIy (5) .... demands are owned by private consumers and households. Payments or
incomes that households receive Ior these resources rise and Iall and that Iluctuation has a
direct (6) .... on the amount consumers are willing (7) .... Ior the goods and
services they want.
Whether consumers are young or old; male or Iemale; rich, poor or middle class, every
dollar or pound they spend is a signal a kind oI economic vote telling (8) ...... what
37
goods and services they want to see produced. Consumer spending represents the basic source
oI demand Ior (9) ..... sold in the marketplace, which is halI oI what determines the
market prices Ior goods and services. The other halI is based on decisions (10) ... make
about what to produce and how to produce it.
O] m t n:
1 2 3 4 5 6 7 8 9 10
Te 15e
Bt (1-10) xm t (a-j):
Ia I SGFVME Va EF HIGP
Oa I OIP[ Wa FVVHG
Qa OKDMPHDD Ya WF^HGPUHPE
Ra SGF^MRH Ma RHSFDMED
Ha WGFZEY \a EF IQYMH^H
The way in which (1) .... is organized and operates is determined by its objectives
and by the type oI economy in which it conducts its (2) ..... . A bank may not necessarily
be in business to make (3) ..... . Central banks, Ior example, (4) ..... a country
with a number oI services, while development banks exist to increase the economic (5)
.... oI a country and raise the living standard oI its population. On the other hand, the
aim oI commercial banks is (6) ..... proIits. They thereIore provide and develop services
that can be sold at a price that will yield a proIit.
Many banks (7) .... a combination oI wholesale and retail banking. The Iormer
provides large-scale services to companies, (8) ...... agencies and other banks. The
latter mainly provides smaller-scale services to the general public. Both types oI banking,
however, have three essential Iunctions, which are: (9) ..... , payments, credits. These
38
three Iunctions are the basis oI the services oIIered by banks. They make it possible Ior banks
to generate proIits and (10) ...... their operating aims.

O] m t n:
1 2 3 4 5 6 7 8 9 10
39