Interest is the sum charged for borrowing money for a fixed period of time. Principal is the term used for the money that is borrowed, and the rate of interest is the percent per year of the principal charged for its use. Most of the profits for a bank are derived from the interest that they charge for the use of their own or their depositor’s money.
All problems in interest may be solved by using one general equation that may be stated as follows:
Interest = Principal X Rate X Time
Any one of the four quantities – that is, interest, principal, rate, or time – may be found when the other three are known. The time is expressed in years. The rate is expressed as a decimal fraction. Thus, 6 percent interest means six cents charged for the use of $1 of principal borrowed for one year. Although the time may be less than, equal to, or greater than one year, most applications for loans are for periods of less than one year. For purpose of computing interest for short periods, the commercial year or 360 days is commonly used, but when large sums of money are involved, exact interest is computed on the basis of 365 days.

With what topic is this passage primarily concerned?

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The increase in international business and in foreign investment has created a need for executives with knowledge of foreign languages and skills in cross-culture communication. Americans, however, have not been well trained in either area and, consequently, have not enjoyed the same level of success in negotiation in an international arena as have their foreign counterpart.
Negotiating is the process of communicating back and forth for the purpose of reaching an agreement. It involves persuasion and compromise, but in order to participate in either one, the negotiators must understand the ways in which people are persuaded and how compromise is reached within the culture of the negotiation.
In many international business negotiations abroad, Americans are perceived as wealthy and impersonal. It often appears to the foreign negotiator that the American represents a large multimillion- dollar corporation that can afford to pay the price without bargaining further. The American negotiator’s role becomes that of an impersonal purveyor of information and cash, an image that succeeds only in undermining the negotiation.
In studies of American negotiators abroad, several traits have been indentified that may serve to confirm this stereotypical perception, while subverting the negotiator's position. Two traits in particular that cause cross-culture misunderstanding are directness and impatience on the part of American negotiator. Furthermore, American negotiators often insist on realizing short-term goals. Foreign negotiators, on the other hand, may value the relationship established between negotiators and may be willing to invest time in it for long-term benefits. In order to solidify the relationship, they may opt for indirect interactions without regard for the time involved in getting to know the other negotiator.
Clearly, perceptions and differences in values affect the outcomes of negotiations and the success of negotiators. For Americans to play a more effective role in international business negotiations, they must put forth more effort to improve cross-cultural understanding.

The American negotiator is described as all of the following EXCEPT ....................

Read the following passage and choose among A, B, C or D the correct answer to each of the questions.

There has been much debate over the past few decades concerning fears that nation will

lead to robots replacing human workers on a massive scale.

The increasing use of robotics, computers and artificial intelligence is a reality, but its full

implications are far from cut and dried. Some forecasts present the future in a utopian way,

claiming that robots will take over the tedious heavy work thus freeing up human time and

potential, allowing for more creativity and innovation,  the other end of spectrum are those who

foresee an employment apocalypse, predicting that almost fifty percent of all American jobs

could vanish within the next few decades. Former Microsoft chairman Bill Gates states that in 20

years robots could be in place in a number of job categories, particularly those at lower end of

the scale in terms of skills. The bottom line is that while the future is always uncertain, robots are a fixture of our society, which is not going to disappear. As with the Industrial Revolution, where machines were utilized in many tasks in place of manual laborers and social upheaval followed, the Digital Revolution is likely to place robots in various jobs. In spite of that, many of today's jobs were not in existence before the Industrial Revolution, such as those of programmers, engineers and data scientists. This leads other experts to criticize this alarmist approach of robot scare-mongering, which is invariably compared to the 19th -century "Luddites". This group was textile workers who feared being displaced by machines and resorted to violence, burning down factories and destroying industrial equipment - their rejection of inevitable progress has come to symbolize mindless ignorance.

Needless to say, exactly what new kinds of jobs might exist in the future is difficult to envision at present. Therefore, the crux of the issue is not whether jobs will be lost, but whether the creation of new vacancies will outpace the ever-increasing number of losses and what skills will be required in the future.

It is clearly not all doom and gloom, as demand for employees with skills in data analysis, coding, computer science, artificial intelligence and human-machine interface is rising and will continue to do so. Furthermore, the demand for skills in Jobs where humans surpass computers, such as those involving care, creativity and innovative craftmanship, are likely to increase considerably. Ultimately, the key lies in the adaptation of the workforces, through appropriate education and training, to keep pace with our world's technological progress.

What is the main idea of this article?

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Sir Anthony Van Dyck, one of the world’s greatest masters of portraiture, was born in Antwerp and was the seventh of twelve children. His affluent father apprenticed him to a painter when he was just a little over ten. Having become a member of the Antwerp Guild of painters before he was nineteen, he worked in the studio of Peter Paul Rubens for several years. In Italy, Van Dyck studied the great Venetian masters and painted flattering portraits of gorgeous ladies and haughty nobles in gilded velvet robes with lace and pearls. While he was sought after by the aristocracy for his acclaimed loose brushwork, his engravings and etchings also evinced his outstanding talent. Upon his return to Antwerp in 1628, he was influenced by Rubens’s interpretation of the artistic form and produced numerous religious paintings while holding an appointment as the court painter. During his tenure, he proved that his use of color, his sensitive elegance, and his remarkable insight were unexcelled.
His fame preceded him to England, where he was invited by King Charles I. After years of faithful service, he was knighted in recognition of his achievements in painting countless portraits of the king, the queen, the royal children, and the titled nobility of England.
However, Van Dyck’s greatest piece is one of his religious works, a true masterpiece displayed in the Antwerp gallery. This group scene exhibits his artful polish in painting the folds of fabric, the delicacy of human skin, landscape, and other externals, and puts him above other accomplished contemporary masters. Although Charles paid Van Dyck a salary and granted him a pension, the painter’s extravagant life-style and penchant for luxuries led him into debt, and he died without means.

The author of the passage implies that Van Dyck’s fame had largely to do with his

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For many American university students, the weeklong spring break holiday means on endless party on a sunny beach in Florida or Mexico. In Panama City Beach in Florida, a city with permanent population of around 36.000, more than half a million university students arrive during the month of March to play and party, making it the number one spring break destination in the United States
A weeklong drinking binge is not for everyone, however and a growing number of American university students have found a way to make spring break matter. For them, joining or leading a group of volunteers to travel locally or internationally and work to alleviate problems such as poverty, homelessness, or environmental damage makes spring break a unique learning experience that university students can feel good about.
During one spring break students at James Madison University in Virginia participated in 15 alternative spring break" trips to nearby states, three others to more distant parts of the United States and five international trips. One group of JMU students travelled to Bogalusa, Louisiana to help rebuild homes damaged by Hurricane Katrina. Another group traveled to Mississippi to organize creative activities for children living in homeless shelter. One group of students did go to exhausting physical labor such Florida. but not to lie on the sand. They performed as maintaining hiker rails and destroying invasive plant species that threaten the native Florida ecosystem.
Students who participate in alternative spring break projects find them very rewarding. While most university students have to get their degrees before they can start helping people, students volunteers are able to help people now. On the other hand, the accommodations are far from glamorous. Students often sleep on the floor of a school or church, or spend the week camping in tents. But students only pay around
$250 for meals and transportation, which is much less than some their peers spend to travel to more traditional spring break hotspots
Alternative spring break trips appear to be growing in popularity at universities across the United States. Students cite a number of reasons for participating. Some appreciate the opportunity to socialize and meet new friends. Others want to exercise their beliefs about peoples obligation to serve humanity and make the world a better place. Whatever their reasons, these students have discovered something that gives them rich rewards along with a break from school work.

The word “binge” in the second paragraph probably means    .

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              THE FUTURE OF WATER
Many of us often wonder what the future holds; some believe major advances in technology will occur which will result in improvements to our everyday lives. Scientists have predicted shortages in fossil fuels and changes in the weather patterns of the world. (1).......... , one significant change that will have an alarming impact on all of us is the global water shortage. Analysts have forecast that some of the consequences of this will be mass migration from Africa to Europe and wars between countries over clean water. The main causes of this disturbing water shortage are global warming, climate change and the increasing world population. The supply of fresh water (2)....... comes from mountain glaciers and  flows  into  lakes  and  rivers  is  diminishing,  and  this also (3).......... to the shortage. Water analysts and government leaders need to start making radical changes to the way water use is managed and they need to find new sources that will be able to meet the demands of an ever-growing population.  In addition, more things need to be done to control global warming as this will help to reduce water shortages.   People   should   be made  (4)......... of the situation and warned not to waste water. Multinational companies should invest in developing better water management systems. In summary, if we start (5) ............. action now, we might be able to prevent a world disaster.
(5).................................

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In Viet Nam festivals often take place during the three months in spring and in autumn when people have a lot of leisure time. In addition, the climate in spring and autumn is especially suitable for holding festivals and for festivals goers to enjoy. Traditional festivals constitute a form of cultural activities, a spiritual product which the people have created and developed during the course of history. From generation to generation, the Vietnamese people preserve the fine tradition of “remembering the source while drinking water.” Festivals are events which represent this tradition of the community as well as honour the holy figures named as “gods” -the real persons in national history or legendary persons. The images of gods converge the noble characteristics of mankind. They are national heroes who fought against foreign invaders, reclaimed new lands, treated people, fought against natural calamities, or those legendary characters who affect the earthly life.
Accordingly, first and foremost, festivals are events when people pay tribute to divinities that rendered merits to the community and the nation. These are occasions when people come back to either their natural or national roots, which form a sacred part in their mind. Furthermore, testivals represent the strength of the commune or village, the local region or even the whole nation. Worshipping the same god, the people unite in solidarity to overcome difficulties, striving for a happy and wealthy life.
Moreover, festivals display the demand for creativity and enjoyment of spiritual and material cultural values of all social strata. They become a form of education under which fine traditional moral values can be handed from one generation to the next in a unique way of combining spiritual characters with competition and entertainment games. Festivals are also the time people can express their sadness and worries in a wish that gods might bestow favour on them to help them strive for a better life.

What affects the time to hold festivals in Viet Nam?

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What geologists call the Basin and Range Province in the United States roughly coincides in its northern portions with the geographic province known as the Great Basin. The Great Basin is hemmed in west by the Sierra Nevada and on the east Line by the Rocky Mountains; it has no outlet to the sea. The prevailing winds in the Great Basin are from the west. Warm, moist air from the Pacific Ocean is forced upward as it crosses the Sierra Nevada. At the higher altitudes it cools and the moisture it carries is precipitated as rain or snow on the western slopes of the mountains. That which reaches the Basin is air wrung dry of moisture. What little water falls there as rain or snow, mostly in the winter months, evaporates on the broad, flat desert floors. It is, therefore, an environment in which organisms battle for survival. Along the rare watercourses, cottonwoods and willows eke out a sparse existence. In the upland ranges, pinion pines and junipers struggle to hold their own.
But the Great Basin has not always been so arid. Many of its dry, closed depressions were once filled with water. Owens Valley, Panamint Valley, and Death Valley were once a string of interconnected lakes .The two largest of the ancient lakes of the Great Basin were Lake Lahontan and Lake Bonneville. The Great Salt Lake is all that remains of the latter, and Pyramid Lake is one of the last briny remnants of the former. There seem to have been several periods within the last tens of thousands of years when water accumulated in these basins. The rise and fall of the lakes were undoubtedly linked to the advances and retreats of the great ice sheets that covered much of the northern part of the North American continent during those times.
Climatic changes during the Ice Ages sometimes brought cooler, wetter weather to mid latitude deserts worldwide, including those of the Great Basin. The broken valleys of the Great Basin provided ready receptacles for this moisture.

The words "the former" refer to

The Robots Are Doing the Thinking

Some robots may take care of the dishes, do your laundry, keep the house clean, or even go to the store to do your shopping. Robots that use artificial intelligence are the ones that a lot of people are holding out for. Not only will these robots be able to take care of (1)__________, but they will be able to learn as well.

There are some types of robots that already use a form of artificial intelligence called “swarm intelligence”. As a(n) (2)___________ of how this works, scientists have created underwater robots that will be used to repair coral reefs that have been damaged. What these robots do is work together to rebuild damaged reefs. As they (3)__________, each one knows what has been done in one area of a reef and can help build other areas or build onto something that another robot has done. Working together, the robots create a new reef that can then be (4)__________ to grow and thrive on its own.

Amazon, the major electronic commerce company, has recently come (5)_________ an ingenious idea. Instead of having a package delivered to a customer via delivery truck, Amazon will send out flying drones that will bring a package to a person’s house for delivery almost immediately. 

(4)__________

Read the following passage and choose among A, B, C or D the correct answer to each of the questions.

FIRST TIME IN THE AIR

When John Mills was going to fly in an aero plane for the first time, he was frightened.

He did not like the idea of being thousands of feet up in the air. "I also didn't like the fact that I wouldn't be in control," says John.

"I'm a terrible passenger in the car. When somebody else is driving, I tell them what to so. It drives everybody crazy."

However John couldn't avoid flying any longer. It was the only way he could visit his grandchildren in Canada.

"I had made up my mind that I was going to do it, I couldn't let my son, his wife and their three children travel all the way here to visit me. It would be so expensive for them and I know Tom's business isn't doing so well at the moment - it would also be tiring for the children - it's a nine-hour flight!" he says.

To get ready for the flight John did lots of reading about aero planes. When he booked his seat, he was told that he would be flying on a Boeing 747, which is better known as a jumbo jet. "I needed to know as much as possible before getting in that plane. I suppose it was a way of making myself feel better. The Boeing 747 is the largest passenger aircraft in the world at the moment. The first one flew on February 9th 1969 in the USA. It can carry up to 524 passengers and 3.400 pieces of luggage. The fuel for aero planes is kept in the wings and the 747 is wings are so big that they can carry enough fuel for an average car to be able to travel 16,000 kilometers a year for 70 years. Isn't that unbelievable? Even though I had discovered all this very interesting information about the jumbo, when I saw it for the first time, just before I was going to travel to Canada, I still couldn't believe that something so enormous was going to get up in the air and fly. I was even more impressed when I saw how big it was inside with hundreds of people!"

The biggest surprise of all for John was the flight itself. "The take-off itself was much smoother than I expected although I was still quite scared until we were in the air. In the end, I managed to relax, enjoy the food and watch one of the movies and the view from the window was spectacular. I even managed to sleep for a while! Of course," continues John, "the best reward of all was when I arrived in Canada and saw my son and his family, particularly my beautiful grandchildren. Suddenly, I felt so silly about all the years when I couldn't even think of getting on a plane. I had let my fear of living stop me from seeing the people I love most in the world. I can visit my son and family as often as I like now!"

How did John feel about his fears in the end?

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.
            Finding Beauty in the City
Cities are known to have lives of their own, and photographers are able to (1).............. some of it. Whether taking shots of people walking on a crowded street or time-lapse shots of cars driving at night, the (2).......photos can be breathtaking. Because many of the shots taken are of man-made objects like architecture, many emotions that come into (3)........ wouldn’t be found in nature photography. Photos can show the wonder of a child staring at a fountain as water shoots upward in the sunlight. They can also show the sadder side, such as a camp of homeless people living in terrible poverty. (4)............ of what they show, there is always beauty to be found, even if it is beauty in something that is showing an ugly truth. Depending on the time of the day, photos taken in an urban environment can change drastically. To see the (5)............ of a building as its shadow is cast on the lawn of a park is always amazing to see.
(3).........................

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A healthy way to know a city Maybe you are staying in a city, and there is no park nearby where you can take your morning job. One of the more recent trend is to go on a running tour, but you are not leading the way. Rather, a running enthusiast (1).......   knows the best (2)..... in the city acts as your guide. You are going out for a run, but you are also being shown highlights of the city while you are doing it.
Guided running tours are a trend that seems to be catching (3)...... in quite a few of the bigger cities in the United States. New York City, Chicago, and San Francisco are just three of the major cities that  have  running  tours in (4)........... They offer these tours to individuals, groups, and even for corporate events. If you are going into a city with colleagues to attend a business meeting or a convention, what better way is there to see the city and network with others (5) .......while taking a healthy run? 
(5).......................................

Are organically grown foods the best food choices? The advantages claimed for such foods over conventionally grown and marketed food products are now being debated. Advocates of organic foods - a term whose meaning varies greatly - frequently proclaim that such products are safer and more nutritious than others.
The growing interest of consumers in the safety and nutritional quality of the typical North American diet is a welcome development. However, much of this interest has been sparked by sweeping claims that the food supply is unsafe or inadequate in meeting nutritional needs.
Although most of these claims are not supported by scientific evidence, the preponderance of written material advancing such claims makes it difficult for the general public to separate fact from fiction. As a result, claims that eating a diet consisting entirely of organically grown foods prevents or cures disease or provides other benefits to health have become widely publicized and form the basis for folklore.
Almost daily the public is besieged by claims for “no-aging” diets, new vitamins, and other wonder foods. There are numerous unsubstantiated reports that natural vitamins are superior to synthetic ones, that fertilized eggs are nutritionally superior to unfertilized eggs, that untreated grains are better than fumigated grains, and the like.
One thing that most organically grown food products seem to have in common is that they cost more than conventionally grown foods. But in many cases consumers are misled if they believe organic foods can maintain health and provide better nutritional quality than conventionally grown foods. So there is real cause for concern if consumers, particularly those with limited incomes, distrust the regular food supply and buy only expensive organic foods instead.

The word “those” stands for     _?

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“ Calcite- containing dust particles blow into the air and combine with nitric acid in polluted air from factories to form an entirely new particle – calcium nitrate , ” said Alexander Laskin, a senior research scientist at the Department of Energy’s Pacific Northwest National Laboratory in Richland, Washington .These nitrates have optical and chemical properties that are completely different from those of the originally dry dust particles . Due to this, climate models need to be updated to reflect this chemistry. Calcite dust is common in arid areas such as Israel, where scientists collected particles for analysis.
Working from a mountaintop, the team collected dust that had blown in from the northern shores of Egypt, Sinai,and southern Israel. The particles had combined with air containing pollutants that came from Cairo.They analyzed nearly 2,00 individual particles and observed the physical and chemical changes at the W.R Wiley Environmental Sciences Laboratory.
A key change in the properties of the newly formed nitrate particles is that they begin to absorb water and retain the moisture .These wet particles can scatter and absorb sunlight-presenting climate modelers, who need to know where the energy is going , a new wild card to deal with . Companion studies of dust samples from the Sahara and the Saudi coast and loess from China show that the higher the calcium in the mineral , the more reactive they are in with nitric acid .And once the particle is changed , it stays that way.
“When dust storms kick up these particles and they enter polluted areas , the particles change ,” Laskin said . “To what extent this is happening globally, as more of the world becomes industrialized , we don’t know . But now we have the laboratory and field evidence that shows it is definitely happening . The story is much more complicated than anybody thought .”

What is the main idea of the passage ?

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In young language learners, there is a critical period of time beyond which it becomes increasingly difficult to acquire a language. Children generally attain proficiency in their first language by the age of five and continue in a state of relative linguistic plasticity until puberty. [A] Neurolinguistic research has singled out the lateralization of the brain as the reason for this dramatic change from fluidity to rigidity in language function. Lateralization is the process by which the brain hemispheres become dominant for different tasks. The right hemisphere of the brain controls emotions and social functions, whereas the left hemisphere regulates the control of analytical functions, intelligence, and logic. [B] For the majority of adults, language functions are dominant on the left side of the brain. [C] Numerous studies have demonstrated that it is nearly impossible to attain a nativelike accent in a second language, though some adults have overcome the odds, after lateralization is complete. [D]
Cognitive development also affects language acquisition, but in this case adult learners may have some advantages over child learners. Small children tend to have a very concrete, here- and-now view of the world around them, but at puberty, about the time that lateralization is complete, people become capable of abstract thinking, which is particularly useful for language. Generally speaking, adults can profit from grammatical explanations, whereas children cannot. This is evidenced by the fact that children are rather unreceptive to correction of grammatical features and instead tend to focus on the meaning of  an utterance rather than its form. However, language learning theory suggests that for both adults and children, optimal language acquisition occurs in a meaning centered context. Though children have the edge over adult language learners with respect to attaining a nativelike pronunciation, adults clearly have an intellectual advantage which greatly facilitates language learning.

The word “critical” could best be replaced by     .

Choose the best answer:
When another old cave is discovered in the south of France, it is not usually news. Rather, it is an ordinary event. Such discoveries are so frequent these days that hardly anybody pays heed to them. However, when the Lascaux cave complex was discovered in 1940, the world was amazed. Painted directly on its walls were hundreds of scenes showing how people lived thousands of years ago. The scenes show people hunting animals, such as bison or wild cats. Other images depict birds and, most noticeably, horses, which appear in more than 300 wall images, by far outnumbering all other animals.
Early artists drawing these animals accomplished a monumental and difficult task. “They” did not limit themselves to the easily accessible walls but carried their painting materials to spaces that required climbing steep walls or crawling into narrow passages in the Lascaux complex.
Unfortunately, the paintings have been exposed to the destructive action of water and temperature changes, which easily wear the images away. Because the Lascaux caves have many entrances, air movement has also damaged the images inside. Although they are not out in the open air, where natural light would have destroyed them long ago, many of the images have deteriorated and are barely recognizable. To prevent further damage, the site was closed to tourists in 1963, 23 years after it was discovered.
2.Based on the passage, what is probably true about the south of France?

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

We won't have robot doctors for a long time, (1) ____ the human doctors we have now are beginning to learn on specialized artificial intelligence to help save time.

Google Deep Mind has just announced a partnership with University College London Hospital(UCLH) which will explore (2) ____ artificial intelligence to treat patients with head and neck cancers. The goal is to develop tools to automatically identify cancerous cells for radiology machines.

Currently, radiologists employ a manual process, called image (3) ____, to make CT and MRI scans and use them to create a map of the patient's anatomy with clear guidelines of where to direct the (4) ____.

Avoiding healthy areas of the head and neck requires that map to be extraordinarily detailed; typically it takes four hours to create. Google believes it can do the same job or better in one hour.

Deep Mind, Google's research arm, works primarily in deep learning, a form of artificial intelligence that learns to identify patterns from looking at large amount of data. In this case, DeepMind researchers will (5) ____ access to anonymized radiology scans from up to 700 former UCLH patients, and then feed them into (6) ____ that would process the scans to learn the visual difference between healthy and cancerous tissue.

The partnership will (7) ____ researchers to train their algorithms with highly-specialized, high- quality data, which theoretically will enable the algorithm to (8) ____ at a higher rate of success than if they had been using publicly available scans.

For those concerned about machines making health (9) ____ decisions, UCLH made it clear in a statement to the newspaper Guardian that clinicians will be in complete control of diagnoses and treatment.

DeepMind isn't the first care. Samsung Medison, the South Korean (10) ____ company's medical device arm, recently released an ultrasound machine that uses deep learning to quickly recommend whether breast tissue is cancerous or benign. The machine's algorithm was trained on 9,000 breast tissue scans, and is pending FDA approval in the US.

(7) ____

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Neil Armstrong started flying at an early age. He became interested in airplanes at the age of 2. At 15, he took flying lessons. He got a license to fly at 16. He learned how to fly before he learned how to drive a car. At university, he studied aeronautical engineering. This is the study of designing and making aircraft.
After Armstrong became an astronaut in 1962, he was trained for 4 years for the Apollo program. The Apollo mission was to put a man on the moon in ten years. On July 16, 1969, the Apollo 11 landed on the moon. Because Armstrong was the leader, he became the first man to step on the moon. He said, "This is one small step for a man, one giant leap for mankind." He and his fellow astronaut, Buzz Aldrin, walked on the moon for two and a half hours. They collected rocks and did some experiments.

The word “This” in paragraph 1 refers to     .

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Public holidays in the United Kingdom, commonly referred to as bank holidays, are days where most businesses and non – essential services are closed although an increasing number of retail businesses (especially the larger ones) do open on some of the public holidays. There are restrictions on trading on Sundays and Christmas Day. Four public holidays are common to all countries of the United Kingdom. These are: New Year's Day, the first Monday in May, Christmas Day, and Boxing Day. Some banks open on some bank holidays. In Scotland, while New Year's Day and Christmas Day are national holidays, other bank holidays are not necessarily public holidays, since the Scots instead observe traditional local customs and practice for their public holidays. In Northern Ireland, once again, bank holidays other than New Year's
Day and Christmas Day are not necessarily public holidays. Good Friday and Christmas Day are common law holidays, except in Scotland, where they are bank holidays. In Scotland the holiday on 1 January (or 2 January if 1 January is Sunday) is statutory, and 25 December is also a statutory holiday (or 26 December if Christmas Day falls on a Sunday). Boxing Day is a holiday traditionally celebrated  the day following Christmas Day, when servants and tradesmen would receive gifts, known as a "Christmas box", from their bosses or employers. Today, Boxing Day is the bank holiday that generally takes place on 26 December. And 28 December only is given if Boxing Day is Saturday.
Like Denmark, the United Kingdom has no national day holiday marked or celebrated for its formal founding date. Increasingly, there are calls for public holidays on the patron saints' days in England, Scotland and Wales. An online petition sent to the Prime Minister received 11,000 signatures for a public holiday in Wales on St. David's Day; the Scottish Parliament has passed a bill creating a public holiday  on St. Andrew's Day although it must be taken in place of another public holiday; campaigners in England are calling for a bank holiday on St. George's Day; and in Cornwall, there are calls for a public holiday on St. Piran's Day.

Bank holidays besides New Year's Day and Christmas Day are not public holidays in Scotland because    .

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In the United States, friendship can be close, constant, intense, generous and real, yet fade away in a short time if circumstances change. Neither side feels hurt by this. Both may exchange Christmas greetings for a year or two, perhaps a few letters for a while - then no more. If the same two people meet again by chance, even years later, they pick up the friendship where they left off and are delighted.
In the United States, you can feel free to visit people's homes, share their holidays, or enjoy their lives without fear that they are taking on a lasting obligation. Do not hesitate to accept hospitality because you can’t give it in turn. No one will expect you to do so for they know you are far from home. Americans will enjoy welcoming you and be pleased if you accept their hospitality easily.
Once you arrived there, the welcome will be fun, warm, and real. Most visitors find themselves readily invited into many homes there. In some countries it is considered inhospitable to entertain at home, offering what is felt as only home cooked food, not doing something for your guests." It is felt that restaurant entertaining shows more respect and welcome. Or for other different reasons, such as crowded space, language difficulties, or family customs, outsiders are not invited into homes.
In the United States, both methods are used, but it is often considered friendlier to invite a person to one's home than to go to a public place, except in purely business relationship. So, if your host or hostess brings you home, do not feel that you are being shown inferior treatment.
Don't feel neglected if you do not find flowers awaiting you in your hotel room, either. Flowers are very expensive there; hotel delivery is uncertain; arrival times are delayed, changed or cancelled - so flowers are not customarily sent as a welcoming touch. Please do not feel unwanted! Outward signs vary in different lands; the inward welcome is what matters, and this will be real.A

In the United States, inviting guests to a family dinner is    than inviting them to a public place, except some situations.