Hình thức cho vay đòi hỏi người vay phải có tài sản thế chấp có giá trị tương đương với lượng vốn cho vay gọi là cho vay gì?

Điện thế là đại lượng:

Vào năm 2020, dân số của một quốc gia là khoảng 97 triệu người và tốc độ tăng trưởng dân số là \(0,91 \%\). Nếu tốc độ tăng trưởng dân số này được giữ nguyên hàng năm, hãy ước tính dân số quốc gia đó vào năm 2030 (Lấy phần nguyên)

Read the following passage about the impact of social media on mental health and mark the letter A, B, C, or D on your answer sheet to indicate the best answer to each of the following questions

[I] In recent years, social media platforms have become a central part of daily life, offering users countless ways to connect, share, and communicate. [II] While these platforms offer many advantages, experts have noted rising concerns about their effects on mental health, particularly among young people (Smith & Anderson, 2018). [III] Studies reveal that excessive social media use can contribute to feelings of anxiety, depression, and loneliness, despite its intention to promote connection and social interaction (Twenge & Campbell, 2019). [IV]

A primary reason for these mental health concerns is the tendency for social media users to compare themselves to others. Platforms like Instagram and Facebook often highlight idealized lifestyles, leading users to feel inadequate about their own lives. Additionally, the constant notifications and messages contribute to a "fear of missing out," or FOMO, which keeps individuals in a cycle of checking their phones, often reducing the quality of sleep and overall well-being.

There is also a growing body of research suggesting a link between social media use and decreased attention spans. When users frequently switch between apps and notifications, their ability to focus for extended periods may diminish (Rosen, 2019). This shift in attention can interfere with productivity, especially in academic and professional settings, where sustained focus is essential.

Addressing these challenges requires a multi-faceted approach. Some mental health professionals suggest limiting screen time and setting boundaries, such as "device-free" hours before bedtime. Others recommend engaging in offline activities, like reading or exercising, to reduce dependence on social media and build healthier habits. According to psychologists, such strategies can bu mental resilience and allow for more meaningful, balanced relationships (Robinson & Smith, 2020).

Which of the following best summarizes paragraph 3?

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the best answer to each of the following questions from 31 to 40.

Mountain Lions Amid Wildfires: A Struggle for Survival

Beth Pratt, the California director for the National Wildlife Federation, has spent her career protecting Los Angeles’ mountain lions. These top predators live in a rocky area surrounded by fancy houses and many roads. When wildfires destroy vast stretches of open land, the survival options for these animals become critically limited. “This is the LA area—these mountain lions can’t just move into the Kardashians’ backyard,” Pratt says, her voice filled with concern for the animals in such a difficult situation.

(I) The chaparral vegetation, covering about 10% of California, is one of the world’s most flammable ecosystems. (II) In Los Angeles, suburban sprawl intrudes on these areas, blocking wildlife escape routes. (III)Fires strip the land of food and shelter, transforming vibrant ecosystems into barren landscapes. (IV) Pratt highlights the urgency of the situation, explaining how areas that once supported life are now “taken out of commission,” leaving many species to starve or struggle for survival.

The consequences extend beyond wildlife. Wildfires have caused devastating human losses, with 88,000 people evacuated and a rising death toll of 25. Meanwhile, the non-human world suffers equally, particularly endangered species with limited ranges. Red-legged frogs, reintroduced into Santa Monica streams in 2014, are among the most affected, with their habitats repeatedly destroyed. The Woolsey Fire of 2018 was followed by mudslides that wiped out much of the region's delicate ecosystem, and scientists fear similar outcomes this time. California newts, reptiles, and snakes are also at high risk, while mammals and birds, although more likely to escape, face challenges in finding food and shelter as the ecosystem bounces back.

Despite the devastation, hope remains. The chaparral is a fire-adapted ecosystem, and life often endures beneath the soil. Seeds can survive and germinate quickly, with grasses sprouting weeks after the first rain. Shrubs may take up to a decade to recover, depending on rainfall. Prof. Stefan Doerr, an expert on wildfires, emphasizes the resilience of this landscape, noting its evolutionary adaptation to high-intensity fires occurring every 30 to 100 years. While the aftermath looks bleak, these fires play a role in maintaining biodiversity, offering a glimmer of hope for recovery.

The phrase “taken out of commission” in paragraph 2 could best be replaced by:

Phương án nào sau đây giải thích đúng nhất vai trò của thiết bị thông minh đối với xã hội trong cuộc cách mạng công nghiệp lần thứ tư?

Ý nào dưới đây không phải là nội dung về chức năng của thị trường?

Công nghệ nào sau đây được ứng dụng trong bảo quản sản phẩm trồng trọt?

Tôn giáo bị cấm đoán ngặt nghèo thời Nguyễn là

Xác định một từ/cụm từ SAI về ngữ pháp/hoặc ngữ nghĩa/logic/phong cách.

Trong sáng tác văn học, không phải ai cũng thể hiện được cái tôi của mình trên trang viết bởi cái tôi gắn liền với cá tính sáng tạo của một người cầm bút.

Khẳng định nào sau đây là đúng?

Kết thúc quá trình đường phân, tế bào thu được số phân tử ATP là?

Cho tập hợp $B=\left\{x \in \mathbb{R} \, | \, (x^2 - 4).(x^2 + 25) = 0\right\}$. Tập hợp $B$ viết bằng cách liệt kê các phần tử là

Read the following passage about Artificial Intelligence and mark the letter A, B, C, or D on your answer sheet to indicate the best answer to each of the following questions from 23 to 30.

Artificial Intelligence (AI) refers to the simulation of human intelligence in machines that are designed to think, learn, and adapt. AI is applied in various fields, including healthcare, education, transportation, and entertainment. Technologies such as machine learning, natural language processing, and robotics enable AI systems to perform tasks like diagnosing diseases, personalizing education, and even driving autonomous vehicles.

One significant benefit of AI is its ability to enhance efficiency and accuracy. For example, AI-powered systems can analyze vast amounts of data faster than humans, identifying patterns and trends that might otherwise go unnoticed. In healthcare, this means earlier diagnosis and improved treatment plans. In transportation, AI contributes to safer roads with the development of self-driving cars.

Despite these advantages, AI poses several challenges. Concerns include ethical issues, such as bias in algorithms, and the potential loss of jobs due to automation. Cybersecurity risks are also heightened as AI systems become more integrated into critical infrastructure. Addressing these challenges requires transparency, regulation, and collaboration among stakeholders.

To maximize its benefits, society must approach AI development responsibly. Governments, private organizations, and researchers are working together to create ethical guidelines and ensure that AI serves humanity’s best interests. As AI continues to evolve, it holds the promise of transforming the way we live and work.

Which of the following best paraphrases the underlined sentence in paragraph 4?

Nội dung nào dưới đây không đúng quy định quyền hạn, nghĩa vụ của cơ quan, tổ chức, đơn vị, cá nhân có liên quan đến ngân sách nhà nước?

Mark the letter A, B, C or D on your answer sheet to indicate the best arrangement of utterances or sentences to make a meaningful exchange or text in each of thefollowing questions from 13 to 17.

Hi Harry,

a. I hope you’re doing well! I wanted to share some exciting news with you.

b. I’ve planted tomatoes, basil, and a few flowers to brighten the space.

c. Recently, I’ve started a small garden on my balcony, and it’s growing beautifully.

d. If you’re interested, I’d love to share some tips and learn about your gardening adventures too!

e. It’s been a fun project, and I can’t wait to see the first harvest.

Take care,

Jasmine

Phát biểu nào sau đây không đúng?

Trong nền kinh tế thị trường, giá cả là công cụ quan trọng để làm gì? 

Cho 5,9 gam amin đơn chức X tác dụng vừa đủ với dung dịch HC1, tạo ra 9,55 gam muối, số công thức cấu tạo ứng với công thức phân tử của X là