金融保險 101 年法學知識與英文考古題

行政院於會計年度結束後四個月內應向何一機關提出決算？ (A)立法院 (B)司法院 (C)監察院 (D)總統府

關於法定預算之敘述，依司法院大法官解釋，下列何者錯誤？ (A)法定預算為措施性法律 (B)預算案經立法院通過並公布者即為法定預算 (C)倘行政院停止法定預算執行致影響法定機關存續者，即非法之所許 (D)即使行政院重要政策變更涉及法定預算之停止執行時，立法院亦無參與決策權

監察委員所提出之彈劾案，須經幾人以上之審查及決定？ (A)9 人 (B)7 人 (C)5 人 (D)3 人

依據憲法第111 條規定，中央與地方權限分配遇有爭議時，由下列何機關解決？ (A)總統府 (B)行政院 (C)立法院 (D)監察院

依憲法本文及增修條文之規定，下列有關司法院大法官之敘述，何者正確？ (A)大法官係最高法院法官之尊稱 (B)大法官負責審理一般法官之彈劾案 (C)在職大法官總數依規定必須為奇數，以利二分之一可決 (D)大法官不得連任

依司法院釋字第499 號解釋，下列何者不屬於憲法中「具有本質之重要性而為規範秩序存立之基礎」而不得任意修改者？ (A)人民基本權利的保障 (B)行政國原則 (C)國民主權原則 (D)權力分立與制衡原則

依憲法增修條文之規定，總統於立法院解散後發布緊急命令，立法院至少須於幾日內自行集會？ (A)2 日 (B)3 日 (C)5 日 (D)7 日

有關立法院審議法律案程序中一讀會的進行，下列敘述何者錯誤？ (A)一讀會由主席將議案宣付朗讀行之 (B)立法委員提出之法律案，得於一讀會時經大體討論後，議決不予審議 (C)政府機關提出之法律案，應先送程序委員會，然後提報院會朗讀標題 (D)立法委員提出之法律案，應先送程序委員會，然後提報院會朗讀標題

下列何者並非行政院對立法院負責的方式？ (A)因施政方針變更涉及法定預算之停止執行，行政院院長或部會首長應向立法院提出報告並備質詢 (B)行政院對於立法院決議之條約案移請立法院覆議 (C)立法院對行政院院長提出不信任案 (D)立法院於每年集會時，得聽取行政院院長國情報告

依憲法增修條文規定，立法院對於行政院院長提出不信任案通過之議決人數為何？ (A)全體立法委員二分之一以上贊成 (B)全體立法委員三分之二以上贊成 (C)全體立法委員三分之一以上出席，出席委員二分之一以上贊成 (D)全體立法委員二分之一以上出席，出席委員三分之二以上贊成

下列何者非憲法增修條文所定有關總統發布緊急命令之條件？ (A)總統為避免國家或人民遭遇緊急危難或應付財政經濟上重大變故 (B)須經行政院會議之決議 (C)發布緊急命令後二十日內，應提交立法院追認 (D)立法院若不追認，該緊急命令失效

依憲法本文及增修條文之規定，有關總統、副總統均缺位時之敘述，下列何者錯誤？ (A)應重新辦理總統、副總統之選舉 (B)繼任者任期重新起算 (C)由行政院院長代行總統職權 (D)行政院院長代行總統職權時，其期限不得逾三個月

下列何種制度為憲法人身自由權保障之內容？ (A)聽證 (B)檢察一體 (C)審計 (D)提審

憲法保障居住及遷徙的自由，以下敘述何者正確？ (A)國民有權利移居外國 (B)即使患有法定傳染病，政府亦不可限制居所 (C)保釋在外的嫌疑犯可以自由旅行 (D)政府對於犯罪的國民可以拒絕其入境

依憲法增修條文之規定，憲法之修正須經出席立法委員多少比例之決議？ (A)二分之一 (B)三分之二 (C)四分之三 (D)五分之三

下列何種言論相較之下，可受較大之限制？ (A)鼓吹臺灣獨立 (B)主張共產主義 (C)藥物廣告 (D)在網際網路上徵求16 歲少女當援交對象

下列有關信賴保護原則的敘述，何者錯誤？ (A)信賴保護原則係源於法治國原則對於人民權利與法律秩序安定之維護 (B)行政機關可對人民主張信賴利益保護 (C)倘法規預先定有施行期間者，尚不發生信賴保護問題 (D)因公益之必要廢止法規，導致人民因信賴而生之利益受損害時，應採取合理之補救措施，或訂定過渡期間之條款

依司法院大法官解釋，下列何者並非就人民財產權加以限制？ (A)主管機關依法為禁止設攤之公告或為道路擺設攤位之許可 (B)九二一大地震災區住屋全倒、半倒者，發給慰助金之對象，以是否實際居住於受災屋作為判斷依據 (C)法規規定電動玩具業不得容許未滿18 歲之兒童及少年進入其營業場所 (D)法律規定商標專用權人於商標專用期間內廢止營業者，其商標專用權當然消滅

在人權發展史上，下列何者是一般所公認最早之人權法典？ (A)美國之獨立宣言 (B)法國之人權宣言 (C)英國之大憲章 (D)世界人權宣言

依憲法增修條文之規定，現行立法委員之選舉採下列何種制度？ (A)單一選舉一票制 (B)單一選區兩票制 (C)複數選區一票制 (D)複數選區兩票制

依憲法增修條文第12 條之規定，有關修憲案複決公告之規定，下列敘述何者正確？ (A)修憲案提出後，毋須公告，應即進行複決 (B)修憲案提出後，須公告三個月後，方可進行複決 (C)修憲案提出後，須公告五個月後，方可進行複決 (D)修憲案提出後，須公告六個月後，方可進行複決

總統、副總統當選人之當選票數不實，足認有影響選舉結果之虞者，候選人得提起何種訴訟？ (A)撤銷當選公告之訴 (B)撤銷選舉公告之訴 (C)當選無效之訴 (D)選舉無效之訴

關於憲法第8 條人身自由的保障，司法院釋字第639 號解釋之敘述，下列何者錯誤？ (A)羈押之被告僅得向原法院聲請撤銷或變更該處分，不得提起抗告之審級救濟之法律規定，為立法機關基於訴訟迅速進行之考量所為合理之限制，未逾立法裁量之範疇，與憲法第16 條、第23 條尚無違背 (B)法律規定審判長、受命法官或受託法官得為羈押處分，與憲法第8 條並無牴觸 (C)審級制度乃訴訟權保障之核心內容，立法機關不得限制 (D)憲法第8 條所定之法院，包括依法獨立行使審判權之法官

國家賠償，其所應適用之法律，依國家賠償法第5 條及第6 條之規定，除國家賠償法本身外，尚有民法及其他特別法；至於其適用之順序，則為何？ (A)先適用國家賠償法，再適用民法，最後適用特別法 (B)先適用特別法，再適用國家賠償法，最後適用民法 (C)先適用國家賠償法，再適用特別法，最後適用民法 (D)先適用特別法，再適用民法，最後適用國家賠償法

下列有關勞工保險基金之敘述，何者錯誤？ (A)政府提供補助 (B)保險人繳納保費 (C)雇主有其分擔額 (D)為全體被保險人之私產

下列關於中華民國國籍之敘述，何者錯誤？ (A)有國籍者，始有國民身分 (B)我國法律規定，選舉權之行使，以有國籍之人為前提 (C)憲法本文對於雙重國籍，未有明文規定 (D)中華民國國民取得外國國籍者，不影響登記為總統、副總統候選人之權利

下列那一項不符合憲法上宗教信仰自由之精神？ (A)國家不應強制人民信仰宗教 (B)立法院得立法設立國教 (C)人民有傳教之自由 (D)人民不得因宗教信仰不同而受差別待遇

有關選舉、罷免訴訟之選舉法庭的審理，下列何者錯誤？ (A)採合議制方式審理 (B)判決確定，得提起再審 (C)應先於其他訴訟審判之 (D)審判審級，採二審終結

憲法第150 條規定國家應普設平民金融機構，其目的為何？ (A)防止通貨膨脹 (B)促進產業升級 (C)實現住者有其屋的理想 (D)救濟失業

地方自治之法規中，自治規則得依其性質，定名為何者？ (A)法律、命令、條例 (B)通則、地方命令、自治條例 (C)規程、規則、辦法 (D)地方通則、地區命令、自治通則

從法之淵源論，英美法系屬於不成文法系，單就美國法制，下列敘述，何者正確？ (A)有一部成文聯邦憲法 (B)尚無行政程序法典 (C)1803 年Marbury v. Madison 一案，樹立了州法優先原則 (D)非常重視公法與私法的區分

關於成文法與不成文法，下列敘述，何者錯誤？ (A)成文法較為明確，易於施行 (B)成文法與不成文法的區別，在於有無文字記載 (C)習慣與法理皆為不成文法 (D)成文法須經過立法程序及公布程序

我國學者認為，判例不但有事實上的權威，而且依據法律有其拘束力，為補充法源。所謂依據法律有其拘束力，見於： (A)司法院組織法 (B)法院組織法 (C)民事訴訟法 (D)刑事訴訟法

下列何項為立法院通過總統公布之法律？ (A)建築技術規則 (B)監督寺廟條例 (C)商標識別性審查基準 (D)立法院秘密會議注意事項

就法律行為論，表意人直接意欲發生一定的私法效果而為一定之舉動，稱之為： (A)觀念通知 (B)意思通知 (C)情感表示 (D)意思表示

下列何者為間接法源？ (A)憲法 (B)條約 (C)自治法規 (D)判例

下列法令，何者位階最高？ (A)自治規則 (B)下級自治團體自治條例 (C)上級自治團體自治條例 (D)自律規則

下列何者非屬法律之補充？ (A)類推 (B)擬制 (C)目的限縮 (D)法律續造

關於自己所有之物得否為刑法第320 條第1 項普通竊盜罪之行為客體的爭議，若援引立法理由關於財物得為竊盜罪之客體者之五要件的陳述：「…（第五）物之所有權，不問屬於自己抑屬於他人，均得成立本罪。」而為肯定之解釋時，試問此種解釋方法為何？ (A)立法解釋 (B)文理解釋 (C)擴充解釋 (D)歷史解釋

對於因精神障礙或其他心智缺陷，致其為意思表示或受意思表示，或辨識其意思表示效果之能力，顯有不足者，法院得因特定人之聲請，而為： (A)保護措施 (B)即時強制 (C)監護宣告 (D)輔助宣告

行政機關依法律授權發布的規章，稱為： (A)職務命令 (B)法規命令 (C)行政規則 (D)職權命令

父母於子女出生登記前，應以書面約定子女從父姓或母姓。其未約定或約定不成者，應如何處置？ (A)依其他子女所從姓氏 (B)原則從父姓 (C)於戶政事務所抽籤決定 (D)由申請者自行決定

為避免人民有朝令夕改，無所適從之感，法律往往不溯及既往生效，此為： (A)適用原則 (B)立法原則 (C)訓示原則 (D)變更原則

司法院大法官解釋：槍砲彈藥刀械管制條例第8 條第1 項：未經許可製造、販賣、運輸具殺傷力之空氣槍，不論情節輕重，處以無期徒刑或五年以上有期徒刑之規定違憲。係因違反下列何項法原則？ (A)平等原則 (B)比例原則 (C)法律保留原則 (D)法律優位原則

精神狀態正常之成年人張三，平時個性尚稱溫和，但酒後極易失態惹事生非，為張家製造無數困擾，張父有意將其逐出家門，在張母斡旋勸導下，父子達成協議，簽署「父子關係終止」切結書。就法言法，此切結書： (A)須召開親屬會議確認 (B)須先確認張氏父子簽約時處於健全意識狀態，否則雙方都有撤銷權 (C)有效 (D)無效

關於刑法褫奪公權之規定，下列敘述，何者錯誤？ (A)宣告無期徒刑者，宣告褫奪公權終身 (B)褫奪公權者，不得為公務員，但可參選民意代表 (C)褫奪公權，應於裁判時併為宣告 (D)褫奪公權之性質為從刑

為擴大對消費者之保護，消費者保護法與民法第191 條之1，均要求商品製造廠商承擔： (A)故意責任 (B)過失責任 (C)產品責任 (D)契約責任

甲申請山坡地開發許可作集合住宅使用，於申請後許可前，因山坡地保育利用條例修正規定：山坡地不得為建築使用。則建管機關應為如何之處理？ (A)適用新法駁回甲之申請 (B)適用舊法許可甲之申請 (C)適用新法駁回甲之申請，並予信賴補償 (D)適用舊法修正許可甲之申請

下列有關命令廢止之規定，何者錯誤？ (A)命令廢止由原發布機關為之 (B)應經立法院通過 (C)定有施行期限者，期滿當然廢止，但應由主管機關公告 (D)命令廢止得僅發布命令名稱及施行日期

行政院院會通過之預算案須經立法院審議通過，係本於下列何項憲政原則？ (A)法治國原則 (B)權力分立原則 (C)法律優位原則 (D)國會主權原則

行政程序法所稱行政機關，除了指代表國家、地方自治團體或其他行政主體表示意思，從事公共事務，具有單獨法定地位之組織外，尚包括： (A)各級民意機關 (B)司法機關 (C)監察機關 (D)受託行使公權力之個人或團體，在其接受委託的範圍內

設臺北市政府擬訂「臺北市商業區管理自治條例」規定：違反營業時間規定者，處新臺幣十萬元以下罰鍰，並得命令歇業。本項自治條例經臺北市議會通過後，須報下列何機關核定？ (A)行政院 (B)內政部 (C)經濟部 (D)法務部

刑法第131 條公務員圖利罪於民國90 年進行修正時，將原規定「公務員對於主管或監督之事務，直接或間接圖利者」，修改為「公務員對於主管或監督之事務，明知違背法令，直接或間接圖自己或其他私人不法利益，因而獲得利益者」，其主要用意為： (A)與貪污治罪條例相關規定區隔 (B)強調防弊之政策思維 (C)強調區隔圖利與便民，以鼓勵公務員積極任事，提升行政效率 (D)配合嚴懲行為犯之刑事法潮流

身心障礙者權益保障法原有規定：非視覺障礙者，不得從事按摩業。因違反下列何原則，經司法院大法官解釋應自100 年10 月31 日失其效力？ (A)比例原則 (B)信賴保護原則 (C)平等原則 (D)誠信原則

依著作權法規定，著作財產權原則上存續於著作人之生存期間及其死亡後多少年？ (A)15 年 (B)20 年 (C)30 年 (D)50 年

突破我國傳統各種訴訟之分野就特定類型案件，可以綜理其民、刑事訴訟及行政訴訟，於97 年7 月全新設置之專業法院為： (A)交通事件法院 (B)智慧財產法院 (C)行政法院 (D)行政執行法院

下列法律原則，何者並非本於法治國原理所衍生？ (A)權力分立原則 (B)個人主義原則 (C)依法審判原則 (D)法律優位原則

下列何項得為著作權之標的？ (A)司法院委請學者譯成英文出版之大法官會議解釋彙編 (B)內政部編印出版之營建法令彙編 (C)財政部舉行學術研討會出版之研討會論文集 (D)立法院就法案審議過程出版之法律案專輯

依地方制度法規定，人口聚居達多少人以上，且在政治、經濟、文化及都會區域發展上，有特殊需要之地區得設直轄市？ (A)50 萬 (B)100 萬 (C)125 萬 (D)150 萬

全民健康保險被保險人對於核定之投保金額不服者，應循下列何項程序救濟？ (A)爭議審議、訴願及行政訴訟 (B)爭議審議及行政訴訟 (C)訴願及行政訴訟 (D)民事訴訟

I am going to choose for my main course because I love seafood. (A)steak (B)chicken (C)pork (D)lobster

Mary’s absence made her mother feel lonely and . (A)conceited (B)devoted (C)neglected (D)resolved

To have enough food and water is a need of all people. (A)basic (B)false (C)bare (D)remaining

Jesus Christ in the West and Confucius in the East both had a lot of who were influenced by their teachingsand tried to follow their good examples. (A)descendants (B)offsprings (C)siblings (D)disciples

The computer was to our project—without it, we couldn’t have finished our report in time. (A)efficient (B)unnecessary (C)problematic (D)indispensable

Nearly 1,000 tornadoes ripped across the U.S. heartland in 2011, killing more than 500 people and $9billion in damage. (A)evolving (B)inflicting (C)conjuring (D)meditating

All Taipei- flights have been canceled due to the heavy fog. Passengers could do nothing but wait forfurther notice. (A)built (B)bound (C)concerned (D)confused

The dynamic workforce of design professionals has enabled the industry to perform well and gain customer . (A)patronage (B)consumption (C)supplement (D)warranty

It is very rude of these naughty boys to their classmate’s new hair style. (A)take advantage of (B)put an end to (C)make fun of (D)show respect for

Student numbers are growing as the economy places knowledge at a , and traditional blue-collar jobs migratein search of lower wages and production costs. (A)pendulum (B)premium (C)uranium (D)vacuum

The medicine does not seem to be , for all of his symptoms show no signs of improvement. (A)inventive (B)poisonous (C)comfortable (D)effective

The “Hero Worship” phenomenon among young people has long been studied by sociologists, and there is aof information about this on the Internet and in books. (A)sustenance (B)gluttony (C)dichotomy (D)plethora

Mike his ankle and he had to walk with crutches for at least two months. (A)sprained (B)sprinkled (C)squeezed (D)swelled

The world’s cities are at the seams: by 2050, an estimated 6.4 billion people—compared to about 3.5 billiontoday—will be living in cities. (A)crawling (B)bursting (C)flocking (D)melting

The defendant’s lawyer was so that the jury believed the innocence of the accused. (A)courteous (B)ignorant (C)obedient (D)persuasive請依下文回答第39～41 題Some of the most interesting words in English are the actual names of the people first involved in the activitiessuggested by the meanings of the words. The word boycott, 39 , derives from the case of Sir Charles Boycott(1832-97), a land agent in Ireland whose tenants expelled him because he refused to lower their rents. Vidkun Quisling’sname quickly became an infamous addition to the English language during World War Ⅱ. He was a Norwegian politicianwho betrayed his country to the Nazis, and his name, quisling, means 40 . Perhaps the most common example is theword sandwich, 41 the fourth Earl of Sandwich (1718-92), who created this quick portable meal so that he would nothave to leave the gambling table to eat.

The task of the scientist is to see what the case is rather than to make up a case. (A)The task of the scientist is to see and to invent. (B)The responsibility of the scientist is to look for a case. (C)The task of the scientist is to investigate instead of inventing a case. (D)The task of the scientist is seeing and believing.

(A)for instance (B)such as (C)in short (D)as a result

To compensate for all the greenhouse gases his plane trips spewed into the atmosphere, Mr. Grover began payingClimate Care to help make the world a little greener. (A)Mr. Grover was aware of the environmental burden his air travels have created, so he started to contribute fees toClimate Care to help reduce greenhouse gases. (B)Mr. Grover was charged by Climate Care, which found him guilty for his role in producing the greenhouse effectwhen he traveled by plane. (C)Mr. Grover’s plane trips inevitably spewed a lot of carbon dioxide into the atmosphere. He felt so guilty that hedecided to travel only with Climate Care. (D)The goal of Climate Care was to accelerate the global warming process, a cause supported by manyenvironmentally insensitive persons like Mr. Grover.

(A)traitor (B)patriot (C)trick (D)foolishness

Whether or not the artistic quality of the bullfight outweighs the moral question of the animals’ suffering issomething that each person must decide for themselves. (A)Everyone has his/her interpretation on whether the beauty of the bullfight is more important than the suffering ofthe bull. (B)People in our society are forced to decide whether the artistic quality of the bullfight is more valuable than thesuffering of the animal. (C)Whether the bullfight is an art or a moral issue is a question to which each person has an answer. (D)In our society, some consider the bullfight an artistic performance rather than an act of murder and of inflictingpain.

(A)following from (B)resulting in (C)divided by (D)named after請依下文回答第42～45 題A condemned US inmate who turned from a gang leader to an anti-gang advocate 42 bars has been nominatedfor the 2006 Nobel peace prize, the college professor behind the nomination said Tuesday. Professor Philip Gasper ofNotre Dame de Namur University in California has nominated convicted killer Stanley “Tookie” Williams for the prizefive years 43 , according to Alice Kim of the Campaign to Stop the Death Penalty. A Swiss parliamentarian was thefirst to 44 Williams for the prize, Kim said. “I respect him for his willingness to be public with his stand againstgangs and for peace, though he must 45 daily with a violent prison environment full of gang members and unfriendlyprison officials, many of whom do not support his message or his work,” said Gasper.

The American Dream is so associated with immigrants’ hopes that incomers’ experiences are a good place to startsampling a widespread literary dissatisfaction with America. (A)The American Dream is all about immigrants’ hopes for a better life, but many Americans start writing about thedark side of America in order to stop the influx of immigrants. (B)The American Dream is built upon immigrants’ dreams for a better future and also their fear of not being able tofulfill their dreams. (C)The American Dream is built upon immigrants’ wishful thinking for a better life, and yet many accounts of theimmigrants speak of their disillusion with such a dream place. (D)The American Dream is all about immigrants’ dreams for a better life, but many new immigrants startexperiencing the bitterness of such sweet dreams.請依下文回答第42～46 題。The seventeenth century was a period of great advances in science. For example, early in this century, Galileoperfected the telescope and in 1609 published “The Sidereal Messenger,” in which he reported the results of his42 of the Milky Way, the moon, and the planet Jupiter. Only a few years later, the Dutch scientist Anton vanLeeuwenhoek performed 43 research with the microscope, discovering among other things that weevils, fleas, andother 44 creatures come from eggs rather than being spontaneously generated. Not long after this, William Harvey,an English physician, discovered the method 45 which blood circulates in humans and other animals and in 1628published his findings in the historic treatise “On the Motion of the Heart and Blood in Animals.” 46 , in the 1660s,Isaac Newton discovered the law of gravitation and the laws governing the physics of light, and he also inventeddifferential calculus.

(A)behind (B)of (C)at (D)within

(A)observations (B)descriptions (C)abstractions (D)generalizations

(A)on the scene (B)for a while (C)in a row (D)under siege

(A)traditional (B)pioneering (C)inconsistent (D)falsifiable

(A)award (B)consult (C)advise (D)recommend

(A)spineless (B)earthly (C)minute (D)mysterious

(A)juggle (B)cooperate (C)cope (D)accord請依下文回答第46～50 題Together with the gorilla, the chimpanzee is our closest cousin in the animal world. Most people feel an immediatekinship with this great ape, with its large range of facial gestures, body postures, and expressive sounds.The chimp has a skill once attributed only to humans but now known to occur in various animal groups—the use ofsimple tools. The chimp even makes its own tools for specific purposes. It will take a leafy twig and strip the leaves tomake a long, thin stick for use as a termite catcher. The chimp pokes it through a narrow entrance into a termite nest, thenit extracts the stick and licks off the juicy termites.Chimps also crush leaves in their palms for use as sponges. They hold the leaves in water that they cannot reach withtheir mouths, such as that in a hollow log. Then they extract the leafy sponge and suck the moisture from it.Like the young gorillas and humans, baby chimps have a long childhood, up to ten years in some cases. During thistime, they find out how to feed and groom themselves, avoid danger, and communicate with other members of theirgroup. Their behavior is partly instinctive. They also learn by observing other members of the group, and through trialand error.

(A)on (B)to (C)at (D)by

What does “this great ape” refer to？ (A)Chimp (B)Gorilla (C)Cousin (D)Human

(A)Finally (B)Obviously (C)Evidentially (D)Previously請依下文回答第47～50 題。The United States is awash in debt. Median household debt has risen to more than $100,000 from less than $60,000 in1990, even as median incomes have increased only slightly. Much of the debt is held by workers who are building uploans on credit cards, or obtaining dubious mortgages in a bid to secure some fraction of the lifestyle of an upper classthat keeps getting richer. This increase in debt has occurred as the gap between the rich and the poor has continued towiden and the visibility of coveted luxury goods on television and the Internet has continued to grow.Some laud the democratization of credit, seeing its availability to wider swaths of the American population asbroadening opportunity; some criticize it as the ruthless seduction by financial institutions of working people who willone day face bankruptcy because they will be unable to pay credit card bills and mortgages.But this is much clear: the spread of debt is one of the most significant social phenomena in the United States today,allowing the less affluent to spend more than they have. As long as interest rates do not rise steeply, this will continue tohappen.

According to the passage, which of the following does NOT know how to use tools？ (A)Chimps. (B)Gorillas. (C)Humans. (D)Termites.

What is the main idea of this passage? (A)The US is deeply in debt and credit cards are to blame. (B)The gap between the rich and the poor is bridged by the poor borrowing more. (C)The spread of debt is a social phenomenon and can’t be changed. (D)Opinions about heavy borrowing vary, but the spread of debt is likely to continue.

Paragraphs 2 and 3 emphasize the function of chimps’ . (A)feet (B)hands (C)mouths (D)tails

What does the sentence “The United States is awash in debt” mean? (A)The United States’ national treasury is stuck with debts. (B)Many people in the United States are cleansed of debt. (C)Americans borrow so much money that they are washed away. (D)Many people borrow so much that the US is like floating in a sea of debt.

For the water that the chimps cannot reach, they will use the to get it. (A)leaves (B)logs (C)sticks (D)twigs

Why are many workers building up loans on credit cards? (A)They want to enjoy the lifestyle of the rich. (B)They want to bridge the gap between the rich and the poor. (C)They want to take part in the democratization of credit. (D)They want to test their ability to pay.

According to the last paragraph, which of the following is true about baby chimps？ (A)They learn from other group members. (B)On average, their childhood lasts for more than ten years. (C)They learn how to avoid danger by grooming themselves. (D)They use tools like young gorillas and humans.

On the last line of the last paragraph, what does “this” refer to? (A)The rise of interest rates (B)The availability of credit cards (C)The spread of debt (D)The United States