Choose the letter A, B, C or D to complete the passage below

Football, also called association football or soccer, game …(1)…which two teams of 11 players, using any part of their bodies …(2)…their hands and arms, try to maneuver the ball into the opposing team’s goal. Only the goalkeeper is permitted to handle the ball and may do so only within the penalty area surrounding the goal. The team that scores more goals wins.

Football is the world’s most popular ball game in numbers of participants and …(3)…. Simple in its principal rules and essential equipment, the sport can be played almost anywhere, …(4)…official football playing fields (pitches) to gymnasiums, streets, school playgrounds, parks, or beaches. Football’s governing body, the Fédération Internationale de Football Association (FIFA), estimated that at the turn of the 21st century there were …(5)… 250 million football players and over 1.3 billion people “interested” in football; in 2010 a combined television audience of more than 26 billion watched football’s premier tournament, the quadrennial month-long World Cup finals.

(3)......................

Read the text below and decide which answer (A,B,C, or D) best fits each space.
Health and fitness are not just for young people. They are for anyone willing to accept the (1) _______ for a good diet and (2) _______ exercise. With age, there is a tendency to feel that  the body is no longer able to (3) _______. Aches and pains are (4) _______ normal. Instead of  pushing the body to do (5) _______, activities become limited. Yet examples after examples  have shown us that older people can – and should – be (6) 
_______. Men and women in their sixties have run in marathons, races of more than twenty six miles. Some professional athletes stay (7) _______ into their forties and fifties. For most  people, simple activities like walking and swimming are all that is needed to stay in (8)  _______. It’s important to include exercise in your daily routine. In the winter, (9) _______  push-ups, sit-ups, and other indoor exercises. Of course, such exercises will be of little use  (10) _______ you follow them with soda and chips. 

Câu 10....................

Synchronized swimming is a hybrid of swimming, gymnastics, and dance, consisting of swimmers (either individuals, duets, trios, teams or combos) performing a synchronized routine of elaborate and dramatic moves in the water, accompanied by music. 
Synchronized swimming demands proficient water skills, and requires strength, endurance, flexibility, grace, artistry and precise timing, not to mention exceptional breath control while upside down underwater. Developed in the early 1900 s in Canada, it is a sport performed almost exclusively by women, although there is some participation by men. In its early form it was some-times known as 'water ballet". 
It is a Summer Olympic Games sport. First demonstrated in 1952, it has been an official event since 1984. Olympic and World Championship competition is not currently open to men; but other international and national competitions allow male competitors: Both USA Synchro and Synchro Canada allow men to compete with women. 
Competitors show off their strength, flexibility, and aerobic endurance required to perform difficult routines. Swimmers perform two routines for the judges, one technical and one free.
Synchronized Swimming is governed internationally by FINA (Federation Internationale de Natation Amateur).

In the Synchronized Swimming competition, competitors ________

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 questions.

   Millions of people are using cellphones today. In many places, it is actually considered unusual not to use one. In many countries, cellphones are very popular with young people. They find that the phones are more than a means of communication – having a mobile phone shows that they are cool and connected.

   The explosion in mobile phone use around the world has made some health professionals worried. Some doctors are concerned that in the future many people may suffer health problems from the use of mobile phones. In England, there has been a serious debate about this issue. Mobile phone companies are worried about the negative publicity of such ideas. They say that there is no proof that mobile phones are bad for your health.

   On the other hand, medical studies have shown changes in the brain cells of some people who use mobile phones. Signs of change in the tissues of the brain and head can be detected with modern scanning equipment. In one case, a traveling salesman had to retire at young age because of serious memory loss. He couldn’t remember even simple tasks. He would often forget the name of his own son. This man used to talk on his mobile phone for about six hours a day, every day of his working week, for a couple of years. His family doctor blamed his mobile phone use, but his employer’s doctor didn’t agree.

   What is it that makes mobile phones potentially harmful? The answer is radiation. High-tech machines can detect very small amounts of radiation from mobile phones. Mobile phone companies agree that there is some radiation, but they say the amount is too small to worry about.

   As the discussion about their safety continues, it appears that it’s best to use mobile phones less often. Use your regular phone if you want to talk for a long time. Use your mobile phone only when you really need it. Mobile phones can be very useful and convenient, especially in emergencies. In the future, mobile phones may have a warning label that says they are bad for your health. So for now, it’s wise not to use your mobile phone too often.

According to the passage, what makes mobile phones potentially harmful is ______.

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 questions.

   Millions of people are using cellphones today. In many places, it is actually considered unusual not to use one. In many countries, cellphones are very popular with young people. They find that the phones are more than a means of communication – having a mobile phone shows that they are cool and connected.

   The explosion in mobile phone use around the world has made some health professionals worried. Some doctors are concerned that in the future many people may suffer health problems from the use of mobile phones. In England, there has been a serious debate about this issue. Mobile phone companies are worried about the negative publicity of such ideas. They say that there is no proof that mobile phones are bad for your health.

   On the other hand, medical studies have shown changes in the brain cells of some people who use mobile phones. Signs of change in the tissues of the brain and head can be detected with modern scanning equipment. In one case, a traveling salesman had to retire at young age because of serious memory loss. He couldn’t remember even simple tasks. He would often forget the name of his own son. This man used to talk on his mobile phone for about six hours a day, every day of his working week, for a couple of years. His family doctor blamed his mobile phone use, but his employer’s doctor didn’t agree.

   What is it that makes mobile phones potentially harmful? The answer is radiation. High-tech machines can detect very small amounts of radiation from mobile phones. Mobile phone companies agree that there is some radiation, but they say the amount is too small to worry about.

   As the discussion about their safety continues, it appears that it’s best to use mobile phones less often. Use your regular phone if you want to talk for a long time. Use your mobile phone only when you really need it. Mobile phones can be very useful and convenient, especially in emergencies. In the future, mobile phones may have a warning label that says they are bad for your health. So for now, it’s wise not to use your mobile phone too often.

According to the passage, cellphones are especially popular with young people because ______.

THOMAS EDISON
On the night of 21 October 1931, millions of Americans took part in a coast-to-coast ceremony to commemorate the passing of a great man. Lights (31) _______ in homes and offices from New York to California. The ceremony marked the death of arguably the most important inventor of all time: Thomas Edison.
Few inventors have (32) _______ such an impact on everyday life, and many of his inventions played a crucial role in the development of modern technology. One should never (33) _______ how revolutionary some of Edison’s inventions were.
In many ways, Edison is the perfect example of an inventor - that is, not just someone who dreams up clever gadgets, but someone whose products transform the lives of millions. He possessed the key characteristics that an inventor needs to (34) _______ a success of inventions, notably sheer determination. Edison famously tried thousands of materials while working on a new type of battery, reacting to failure by cheerfully announcing to his colleagues: 'Well, (35) _______ we know 8,000 things that don’t work.’ Knowing when to take no notice of experts is also important. Edison’s proposal for electric lighting circuitry was received with total disbelief by eminent scientists, until he lit up whole streets with his lights.
(33)..................................................

Read the text below and decide which answer (A,B,C, or D) best fits each space.
THE HISTORY OF FOOTBALL

Football, or soccer, which is so popular all over the world, dates back to the Middle Ages.  At  that  (58)  ……..  it  was  very  different   from  the  game  we  play  today.  Any number of players could (59) …….. part and the matches usually developed into a free- for-all. In its modern (60) …….. , football is less than two hundred years old.

In 1846, the  first  rules  to  govern  the  game were  drawn (61) …….. at  Cambridge University. The number of players was (62) …….. to 11 per side, which made things much more (63) …….. than before. Later, in 1863, the Football Association was (64)…….. up to help promote the game in Britain.

The game is played on a grass or artificial (65) …….. with a goal net at each end. The (66) …….. is to move the ball around the field, (67) …….. the feet or head, until a player is in a (68) …….. to put the ball into the net and score a goal.

Professional football is not only the most popular (69) …….. sport in the world, (70)…….. also more people actually play football themselves than any other team sport. In 1904 FIFA, the world governing (71) …….. of football, was founded. It organizes the World Cup tournament every four years. Other kinds of football are popular, but less (72) …….. , for example American Football and Australian Rules Football.

60.................

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct word or phrase that best fits each of the numbered blanks from 26 to 30.
The Best Students
According to most professors, mature students are ideal students because they are hard-working and become actively involved in all aspects of the learning process. The majority of mature students have a poor educational (26) ________ but they manage to do exceptionally well at tertiary level. (27) _______ many of them have a job and children to raise, they are always present at seminars and lectures and always hand in essays on time. They like studying and writing essays and they enjoy the class discussions (28) _______ take place. Consequently, they achieve excellent results. In fact, as they have experienced many of life's pleasures, they are content with their lives and this has a positive effect on their attitude, making them eager to learn.
On the other hand, despite their enthusiasm and commitment, mature students suffer from anxiety. The fact that they have made (29) ______ sacrifices to get into university puts extra pressure on them to succeed. Nevertheless, completing a degree gives mature students a sense of achievement, (30) ______ their confidence and improves their job prospects.
Question 27:.....................

Read the passage carefully and choose the correct answers:
Synchronized swimming is a hybrid of swimming, gymnastics, and dance. This sport has an artistic effect, and really relates to those three sports. It consists of swimmers performing a synchronized routine of elaborate and dramatic moves in the water, accompanied by music.
Synchronized swimming demands first-rate water skills, and requires strength, endurance, flexibility, grace, artistry and precise timing, not to mention exceptional breath control while upside down underwater. Developed in the early 1900s in Canada, it is a sport performed almost exclusively by women, although there is some participation by men. In its early form it was sometimes known as “water ballet”.
It is a Summer Olympic Games sport. First demonstrated in 1952, it has been an official event since 1984. Olympic and world Championship competition is not currently open to men, but other international and national competitions allow male competitors. Both USA Synchro and Synchro Canada allow men to compete with women.
Competitors point to the strength, flexibility, and aerobic endurance required to perform difficult routines for the judges, one technical and one free.

The world ‘hybrid ‘in the first line could be best replaced by _________.

Read the text below and decide which answer (A,B,C, or D) best fits each space.
The heart has long been considered to be (1) feelings of love dwell. In love songs throughout  the ages, love almost always goes together (2) the heart. The heart has continuously been  viewed (3) the place where love begins and develops. Even the Bible gives (4) to love and the  heart. 
The role of the heart in love must come from what happens to it when a person feels strongly (5) to someone. The strong feelings (6) the other person, especially in the early stages of a relationship, have the results that the heart starts beating faster and  breathing starts speeding (7) . 
According to psychologists, a love relationship is a situation that (8) a lot of stress and the body reacts to this by getting ready to face the unknown. This has been called the  "fight or flight" (9) accelerates and (10) , meeting danger by fighting it or running away. So  with love, the heart becomes quick. 

Câu 7......................

Read the text below and decide which answer (A,B,C, or D) best fits each space.
In a world where 2 billion people live in homes that don't have light bulbs, technology holds  the key (1)_______ banishing poverty. Even the simplest technologies can transform lives and  save money. Vaccines, crops, computers and sources of solar energy can all reduce poverty in  developing countries. For example, cheap oral-rehydration therapy developed in Bangladesh  has dramatically cut the death (2) _______ from childhood diarrhoea. 
But even when such technologies exist, the depressing fact is that we can’t make them (3)  _______ for those who most need them. Solar panels, batteries and light bulbs are still beyond  the purse of many, but where they have been installed they change lives. A decent light in the evening gives children more time for homework and extends the productive day for adults.  Kenya has a thriving solar industry and six years ago Kenyan pioneers also (4) _______  connecting schools to the Internet via radio links. These people were fortunate (5) _______  being able to afford solar panels, radios and old computers. How much bigger would the  impact be if these things (6) _______ and priced specifically for poor people? Multinationals must become part of the solution, because (7)_______ they own around 60 per  cent of the world's technology, they seldom make products for poor customers. Of 1,223 new  drugs marketed worldwide from 1975 to 1996, for example, just 13 were for tropical diseases. People think those enterprises should do more to provide vital products such as medicines (8) _______ different prices around the world to suit (9) _______ people can afford.  Alternatively, they could pay a percentage of their profit towards research and development  for (10) _______. 

Question 2: ........................

Scientists have discovered the bones of what may be the largest meat-eating dinosaur ever to walk the earth. The discovery was made by a team of researchers from Argentina and North America in Patagonia, a desert on the eastern slopes of the Andes in South America. Besides the interesting fact that the dinosaur was huge and horrifying, it is even more astounding that the bones of a number of the dinosaurs were found together. This discovery challenges the prior theory that the biggest meat-eaters lived as loners and instead indicates that they may have lived and hunted in packs. The Tyrannosaurus Rex lived in North America and was believed to hunt and live alone.
The newly discovered meat-eater appears to be related to the Giganotosaurus family, being as closely related to it as a fox would be to a dog. It is actually not of the same family at all as the Tyrannosaurus Rex, being as different from it as a cat is from a dog.
The fossilized remains indicate that the animals lived about 100 million years ago. With needle-shaped noses and razor sharp teeth, they were larger than the Tyrannosaurus Rex, although their legs were slightly shorter, and their jaws were designed to be better able to dissect their prey quickly and precisely.

The word it in the second paragraph refers to ________.

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 questions.

   Traditionally in America, helping the poor was a matter for private charities or local governments. Arriving immigrants depended mainly on predecessors from their homeland to help them start a new life. In the late 19th and early 20th centuries, several European nations instituted public-welfare programs. But such a movement was slow to take hold in the United States because the rapid pace of industrialization and the ready availability of farmland seemed to confirm the belief that anyone who was willing to work could find a job.

   Most of the programs started during the Depression era were temporary relief measures, but one of the programs Social Security – has become an American institution. Paid for by deductions from the paychecks of working people, Social Security ensures that retired persons receive a modest monthly income and also provides unemployment insurance, disability insurance, and other assistance to those who need it. Social Security payments to retired persons can start at age 62, but many wait until age 65, when the payments are slightly higher. Recently, there has been concern that the Social Security fund may not have enough money to fulfill its obligations in the 21st century, when the population of elderly Americans is expected to increase dramatically. Policy makers have proposed various ways to make up the anticipated deficit, but a long-term solution is still being debated. In the years since Roosevelt, other American presidents have established assistance programs. These include Medicaid and Medicare; food stamps, certificates that people can use to purchase food; and public housing which is built at federal expense and made available to persons on low incomes. Needy Americans can also turn to sources other than the government for help. A broad spectrum of private charities and voluntary organizations is available. Volunteerism is on the rise in the United States, especially among retired persons. It is estimated that almost 50 percent of Americans over age 18 do volunteer work, and nearly 75 percent of U.S. households contribute money to charity.

It took welfare programs a long time to gain a foothold in the U.S. due to the fast growth of______.

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 questions.

   Supernovas are the most powerful and spectacular outbursts known in nature. What is called a Type II supernova is due to the collapse of a massive star, at least eight times as massive as the sun, that has used up its main nuclear fuel and produced a nickel-iron core. When this core can no longer support the pressure of the star’s outer layer, it collapses to form a neutron star of immense density. Over 2,500 million tons of neutron star packed into a matchbox. Its temperature is around 100,000 million degrees centigrade.

   Multitudes of neutrons are produced in the collapsed star, which pass directly through the star into space, and this release of neutrons causes the core to respond with a shock wave that moves outward.

   When it meets the material that is falling inward, the result is a catastrophic explosion. Sometimes most of the star’s material is blown away, leaving only a small, incredibly dense remnant that may be a neutron star or, in extreme cases, a black hole.

   A supernova is often more than 500 million times as luminous as the sun. A supernova remnant (SNR) may be detectable as a pulsar, an example of which is the Crab Nebula, known to be a remnant of the supernova observed in the year 1054. The 1987 supernova in the Large Cloud of Magellan had a low peak luminosity by supernova standards, only about 250 million times that of the sun. As its brightest the supernova shone as a star between magnitudes 2 and 3, even though it was 170,000 light-years away.

What is the main topic of the passage?

Read the text below and decide which answer (A,B,C, or D) best fits each space.
THE HISTORY OF FOOTBALL

Football, or soccer, which is so popular all over the world, dates back to the Middle Ages.  At  that  (58)  ……..  it  was  very  different   from  the  game  we  play  today.  Any number of players could (59) …….. part and the matches usually developed into a free- for-all. In its modern (60) …….. , football is less than two hundred years old.

In 1846, the  first  rules  to  govern  the  game were  drawn (61) …….. at  Cambridge University. The number of players was (62) …….. to 11 per side, which made things much more (63) …….. than before. Later, in 1863, the Football Association was (64)…….. up to help promote the game in Britain.

The game is played on a grass or artificial (65) …….. with a goal net at each end. The (66) …….. is to move the ball around the field, (67) …….. the feet or head, until a player is in a (68) …….. to put the ball into the net and score a goal.

Professional football is not only the most popular (69) …….. sport in the world, (70)…….. also more people actually play football themselves than any other team sport. In 1904 FIFA, the world governing (71) …….. of football, was founded. It organizes the World Cup tournament every four years. Other kinds of football are popular, but less (72) …….. , for example American Football and Australian Rules Football.

66....................

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 questions.

   Supernovas are the most powerful and spectacular outbursts known in nature. What is called a Type II supernova is due to the collapse of a massive star, at least eight times as massive as the sun, that has used up its main nuclear fuel and produced a nickel-iron core. When this core can no longer support the pressure of the star’s outer layer, it collapses to form a neutron star of immense density. Over 2,500 million tons of neutron star packed into a matchbox. Its temperature is around 100,000 million degrees centigrade.

   Multitudes of neutrons are produced in the collapsed star, which pass directly through the star into space, and this release of neutrons causes the core to respond with a shock wave that moves outward.

   When it meets the material that is falling inward, the result is a catastrophic explosion. Sometimes most of the star’s material is blown away, leaving only a small, incredibly dense remnant that may be a neutron star or, in extreme cases, a black hole.

   A supernova is often more than 500 million times as luminous as the sun. A supernova remnant (SNR) may be detectable as a pulsar, an example of which is the Crab Nebula, known to be a remnant of the supernova observed in the year 1054. The 1987 supernova in the Large Cloud of Magellan had a low peak luminosity by supernova standards, only about 250 million times that of the sun. As its brightest the supernova shone as a star between magnitudes 2 and 3, even though it was 170,000 light-years away.

The author of this passage is most likely __________________ .

Fill in each numbered blank with one suitable word or phrase

Rowing is a sport in which athletes race against each other on river, lakes or on the ocean, (1) _____ on the type of race and the discipline. The boats are propelled by the reaction forces on the oar blades (2) _____ they are pushed against the water. The sport can be both recreational, focusing (3)____ learning the techniques required, and competitive where overall fitness plays a large role. It is also one of (4) _____ oldest Olympic sports. In the United States, Australia and Canada, high school and collegial rowing is sometimes referred to as crew.

(5) _____ rowing, the athlete sits in the boat facing backwards, towards the stern, and uses the oars which are held in (6) ____ by the oarlocks to propel the boat forward, towards the bow. It is a demanding sport requiring strong core balance as well as physical (7) _____ and cardiovascular endurance.

Since the action of rowing (8) _____ fairly popular throughout the world, there are many different types of (9) _____. These include endurance races, time trials, stake racing, bumps racing, and the side-by-side format used in the Olympic Games. The many different formats are a result of the long (10) _____ of the sport, its development in different regions of the world, and specific local requirements and restrictions.

(8) ________

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 questions from 36 to 42.
A study was set up to examine the old marriage advice about whether it's more important to be happy or to be right. Couples therapists sometimes suggest that in an attempt to avoid constant arguments, spouses weigh up whether pressing the point is worth the misery of marital discord. The researchers from the University of Auckland noticed that many of their patients were adding stress to their lives by insisting on being right, even when it worked against their well-being.
The researchers then found a couple who were willing to record their quality of life on a scale of 1 to 10. They told the man, who wanted to be happy more than right, about the purpose of the study and asked him to agree with every opinion and request his wife had without complaint, even when he profoundly didn't agree. The wife was not informed of the purpose of the study and just asked to record her quality of life.
Things went rapidly downhill for the couple. The man's quality-of-life scores fell, from 7 to 3, over the course of the experiment. The wife's scores rose modestly, from 8 to 8.5, before she became hostile to the idea of recording the scores. Rather than creating harmony, the husband's agreeableness led to the wife becoming increasingly critical of what he did and said (in the husband's opinion). After 12 days he broke down, and the study was called off because of severe adverse outcomes."
The researchers concluded, shockingly, that humans need to be right and acknowledged as right, at least some of the time, to be happy. They also noted this was further proof that if given too much power, humans tend to "assume the alpha position and, as with chimpanzees, they become very aggressive and dangerous." It is often said that there can be no peace without justice, and that's true of domestic sphere.
Obviously the results are to be taken with extreme caution, since this was just one couple with who-knows-what underlying issues beforehand. But the study's chief author, Dr. Bruce Arroll, maintains that the question of happiness vs. rightness, theoretically, could be settled by scientific inquiry with a wider sample. "This would include a randomized controlled trial,” he says. "However, we would be reluctant to do the definitive study because of the concern about divorce."

The word "critical" in paragraph 3 is closest in meaning to ________. 

 Choose the word or phrase among A, B, C or D that best fits the blank space in the following passage:

"Many outdoor (1)….. enjoy canoeing or kayaking (2) ….. recreation on ponds, lakes, and rivers. Some people use canoes and kayaks to travel across bodies of water to remote camping locations. They (3)…. Their supplies, such as tents, sleeping bags, and food, in their boats. The Boundary Waters Canoe Area Wilderness and Voyageurs National Park, both (4)…..  along the border between Minnesota and Ontario, Canada, are two of the most popular canoeing areas in North America.
 Whitewater canoeing and kayaking on fast-flowing rivers is another popular activity. The (5)….. whitewater refers (6)........ the burbling foam created when fast-moving water spills over and around rocks or other (7)….. Whitewater enthusiasts maneuver their boats around rocks, logjams and other natural obstacles. If the current and obstacles (8)…… a passage (9)…. difficult to navigate, a canoeist might make a portage, or carry the canoe (10)…..  land for a short distance, thereby avoiding the danger."

9. a passage (9)…. difficult to navigate, a canoeist might make a portage, 

Choose the letter A, B, C or D to answer these following questions:
Swimming is the sport or activity of propelling oneself through water using the limbs. Swimming can be both an individual or team sport. There are a number of different swimming styles including breaststroke, freestyle, backstroke and butterfly. 
Swimming is for everyone no matter what age or level of fitness. Any age can learn to swim and there is no age limit on when you can no longer swim. Swimming is a lifelong skill that could save your or another’s life. It is never too late to learn to swim. Swimming is an excellent way to keep fit and most swimming pools cater for all.. We would also suggest goggles to protect eyes. Most swimming pools have classes for all levels of ability, from adult only to toddler beginner’s lessons. Time tables and your local pools are available on our website.

What is NOT true about swimming?

A. It is a kind of sport.

B. Players use their limbs to propel themselves through water.

C. You can practice swimming individually or with your team mates.

D. It is easy to swim.

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 questions.

   Traditionally in America, helping the poor was a matter for private charities or local governments. Arriving immigrants depended mainly on predecessors from their homeland to help them start a new life. In the late 19th and early 20th centuries, several European nations instituted public-welfare programs. But such a movement was slow to take hold in the United States because the rapid pace of industrialization and the ready availability of farmland seemed to confirm the belief that anyone who was willing to work could find a job.

   Most of the programs started during the Depression era were temporary relief measures, but one of the programs Social Security – has become an American institution. Paid for by deductions from the paychecks of working people, Social Security ensures that retired persons receive a modest monthly income and also provides unemployment insurance, disability insurance, and other assistance to those who need it. Social Security payments to retired persons can start at age 62, but many wait until age 65, when the payments are slightly higher. Recently, there has been concern that the Social Security fund may not have enough money to fulfill its obligations in the 21st century, when the population of elderly Americans is expected to increase dramatically. Policy makers have proposed various ways to make up the anticipated deficit, but a long-term solution is still being debated. In the years since Roosevelt, other American presidents have established assistance programs. These include Medicaid and Medicare; food stamps, certificates that people can use to purchase food; and public housing which is built at federal expense and made available to persons on low incomes. Needy Americans can also turn to sources other than the government for help. A broad spectrum of private charities and voluntary organizations is available. Volunteerism is on the rise in the United States, especially among retired persons. It is estimated that almost 50 percent of Americans over age 18 do volunteer work, and nearly 75 percent of U.S. households contribute money to charity.

The Social Security program has become possible thanks to ______.