PGD Bank strives ---131--- the highest levels of client security and service. This applies not only to online- and telephone-based services but also to our brick-and-mortar locations. Our three branch offices have proudly been a part of the community ---132--- a combined total of 40 years.
To assist you even better in the future, our Smithville branch will be temporarily closed for renovations from July 8-22. ---133---. In the meantime, our other two regional branches in Pine Grove and Bradford will maintain normal business ---134---.

 

131...................

Only one of the people__________ was qualified for the job.
(132)_______

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The red double-decker bus is London’s famous ……………

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If our team defeat Banana team, we ________ the trophy.

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.
Culture has a strong influence on non–verbal communication. Even the simple act of looking someone in the eye is not at all that simple. In the USA, Americans are (1).......... to look directly  at people when speaking to them. It shows interest in what they are saying and is thought to carry a (2).......of honesty. Meanwhile, in Japan and Korea, people avoid long periods of eye contact. It is considered more polite to look to the side during a conversation. The Lebanese, (3)............ , stand close together and look intensely into each other's eyes. The action shows sincerity and gives people a better sense of what their counterparts want. Given such differences with even the most common expressions, people (4)................. travel or work abroad have a real need to learn the other culture's body language. People tend to be unaware of the messages they are sending to others. So, it is (5).................. to consider your own body language before dealing with people from other cultures. Knowing about the body language of friends, clients, and colleagues can be very helpful in improving understanding and avoiding miscommunication.

(2).........................................

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Playing sports is _________ good way to stay away from stress.

Read the passage below carefully, and then choose the best answer:
The Brain: Myths and Facts
There are a lot of myths about the human brain. We are going to tell you a little about these myths, and we are also going to give you the truth. One of the biggest myth is that we only use 10 percent of our brains. The next part of that myth is that if we can learn to use the rest of our brains, then we will be much smarter. People say this all the time, but it is absolutely not true. The truth is that although we don’t know everything about the human brain, we know that each part of it has an important function. Modern scientists call the “10 percent myth” ridiculous. The other most popular myth is about being “right brained” or “left brained”. According to this myth, people who use the right side of their brains tend to be more artistic and creative. People who use the left side of their brains tend to be better at maths and science. This myth is as popular as the 10 percent myth, and it is also wrong. In 2013, a study at an American university examined the right brain and left brain myth. According to the study, we use both sides of our brains equally. It is true that we use different parts of our brains for different things: We use our left side for language more, and our right side when we need to pay attention. But there is no evidence that creative people use the right side more, or that scientific people use the left side more. We have talked about myths, so let’s look at a few interesting facts about the brain. First of all, the brain feels no pain. Second, about 75 percent of the brain is made of water. It is also the fattest organ in your body. Another interesting fact about the brain is that around the time you turn 18 years old, it stops growing.
6. What did the study at the American university say?

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Thanks to our modern lifestyle, with more and more time spent sitting down in front of computers than ever before, the number of overweight people is at a new high. As people frantically search for a solution to this problem, they often try some of the popular fad diets being offered. Many people see fad diets as innocuous ways of losing weight, and they are grateful to have them. Unfortunately, not only don't fad diets usually do the trick, they can actually be dangerous for your health. Although permanent weight loss is the goal, fewareabletoachieveit. Expertsestimate that 95 percent of dieters return to their starting weight, or even add weight. While the reckless use of fad diets can bring some initial results, long-term results are very rare. Nonetheless, people who are fed up with the difficulties of changing their eating habits often turn to fad diets. Rather than being moderate, fad diets involve extreme dietary changes. They advise eating only one type of food, or they prohibit other types of foods entirely. This results in a situation where a person's body doesn't get all the vitamins and other things that it needs to stay healthy. One popular fad diet recommends eating lots of meat and animal products, while nearly eliminating carbohydrates. A scientific study from Britain found that this diet is very high in fat. According to the study, the increase of damaging fats in the blood can lead to heart disease and, in extreme cases, kidney failure. Furthermore, diets that are too low in carbohydrates can cause the body to use its own muscle for energy. The less muscle you have, the less food you use up, and the result is slower weight loss. Veteran dieters may well ask at this point, "What is the ideal diet?" Well, to some extent, it depends on the individual. A United States government agency has determined that to change your eating habits requires changing your psychology of eating, and everyone has a different psychology. That being said, the British study quoted above recommends a diet that is high in carbohydrates and high in fiber, with portions of fatty foods kept low. According to the study, such a diet is the best for people who want to stay healthy, lose weight, and keep that weight off. And, any dieting program is best undertaken with a doctor's supervision.
5. Which is not mentioned as an effect of the meat and animal product diet?

There can be no doubt at all that the Internet has made a huge difference to our lives. Parents are worried that children spend too much time playing on the Internet, hardly (1)_____ doing anything else in their spare time. Naturally, parents are (2)_____ to find out why the internet is so attractive, and they want to know if it can be harmful for their children. Should parents worry if their children are spending that much time (3)_____ their computer? Obviously, if children are bent over their computer for hours, (4)_____ in some game, instead of doing their homework, then something is wrong. Parents and children could decide how much use the children should make of the Internet, and the child should give his or her (5)____ that it won't interfere with homework. If the child is not holding to this arrangement, parents can take more drastic steps. Dealing with a child's use of the internet is not much different from negotiating any other sort of bargain about behavior.

(64)________

Mark the letter A, B, C, or D on your answer sheet to indicate the undelined part that needs correction in each of the following questions:
The cause of tooth decay is acid, which is produced by bacteria in the mouth. The acid removes minerals from tooth enamel, allowing tooth decay to begin; the saliva in your mouth encourages remineralization and neutralizes the acid. The rate at which bacteria in the mouth produce acid depends on the amount of plaque on the teeth, the composition of the microbial flora, and whether the bacteria of the plaque have been "primed" by frequent exposure to sugar. To keep your teeth healthy, a regular dental hygiene program should be followed.
Removing plaque with a toothbrush and dental floss temporarily reduces the numbers of bacteria in the mouth and thus reduces tooth decay. It also makes the surfaces of the teeth more accessible, enabling saliva to neutralize acid and remineralize lesions. If fluoride is present in drinking water when teeth are forming, some fluoride is incorporated into the enamel of the teeth, making them more resistant to attack by acid. Fluoride toothpaste seems to act in another way, by promoting the remineralization of early carious lesions.
In addition to a regular dental hygiene program, a good way to keep your teeth healthy is to reduce your intake of sweet food. The least cavity-causing way to eat sweets is to have them with meals and not between. The number of times you eat sweets rather than the total amount determines how much harmful acid the bacteria in your saliva produce. But the amount of sweets influences the quality of your saliva. Avoid, if you can, sticky sweets that stay in your mouth a long time. Also try to brush and floss your teeth after eating sugary foods. Even rinsing your mouth with water is effective. Whenever possible, eat foods with fiber, such as raw carrot sticks, apples, celery sticks, etc., that scrape off plaque, acting as a toothbrush. Cavities can be greatly reduced if these rules are followed when eating sweets.

The word “it” refers to     .

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After a long time of revision, she is gradually fond _________ English

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What is your ……… subject at school?

He wanted to know _____ shopping during the previous morning.

(230)_______

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An Amazing Invention
Look at your hand, and it might not seem very interesting at first, but it is an amazing tool. In fact, the human hand is as complex and as useful as a high tech machine. This might sound strange to you, but the development of the human hand changed the world. For example, the thumb helped human beings become the smartest and most powerful animals on the Earth. Your thumb is important because it faces your other fingers. This allows you to hold things, like tools. Being able to hold tools allowed our ancient ancestors to build things and become more advanced. It is also possible that when we developed thumbs and started to use tools, our brains developed faster as well. And how about this? Your fingers are the only parts of your body that are moved by a “remote control”. A remote control is the small device that you use to change the channel on your television. Your fingers are controlled by remote because they don’t have any muscles. You control your fingers with the muscles in your palms. The palms are connected to the fingers by tendons. The palms pull the tendons, and move them the same way a string moves a puppet. Every part of the human body is complicated, but the hand is especially complicated. It has a total of 29 bones. There are 34 different muscles that move the fingers and the thumb. Seventeen of those muscles are in the palm, and 18 are in the forearm. The human hand also has 48 nerves and 30 arteries. An artery is like a vein, but it carries blood away from the heart. Human beings are not as strong or as fast as other animals. However, our ancient ancestors were able to rule the world for two reasons.  First, they were intelligent. Second, they had these amazing instruments called hands. There is no other invention like them in the world. 
7. What would be another good title for the passage?

Read the following passage and choose the best answer (A, B, C, D):
Last year, there were millions of international tourist arrivals across the globe. Whether they were students on their (1)______ years looking for overseas adventure, stressed-out workers hoping to get away for a weekend, or retirees (2)______ to relax in an exotic location- clearly none of them thought they could find the same experience at home. The question is whether foreign travel brings more advantages or disadvantages. An obvious positive point is that going abroad sometimes helps people to expand their knowledge of the world. If they are (3)_____ – minded, they can learn about new cultures and hopefully gain a more accurate understanding about their way of life. In addition, there is the economic benefit of tourism to countries which have few other resources. It can provide an income to many people within the industry. Having said that, some people simply go to a foreign resort (4)______ by high walls and therefore learn little about their holiday (5)______. Another issue is that hordes of tourists often spoil the “unspoilt” places they visit. The most recent example of this is Antarctica, where last year cruise ships took thousands of visitors to view the disappearing icebergs and wildlife. Vegetation, nesting penguins and resting walrus are vulnerable when humans intrude

Read the passage below carefully, and then choose the best answer:
A World without Wires
We are lucky to live in a world that is full of incredible technology. Our living rooms are packed with computers, LCD TVs, video game systems, and Blue-ray players that help us enjoy the latest entertainment. Although these items bring us joy and convenience, they also create a lot of clutter. Each device needs its own plug and adaptor to keep its batteries recharged, and over time these wires get _tangled_. Thankfully, something has come along to help get rid our homes of this mess while still supplying these devices with the power they need. It’s called wireless charging and this trend is just starting. Wireless charging, also known as inductive charging, has a lot of potential for smartphones and other electronic devices. Coils are used to create a magnetic field. Electronic devices can then absorb the electricity once they are placed on a special charging pad. There are several advantages that wireless charging offers over traditional methods. For starters, cords have a tendency to wear out with use. Wireless charging eliminates this hassle so users never have to worry about buying replacement cords. Wireless charging is also far more convenient for medical implants, as patients won’t need to recharge their devices through the skin using cords. In turn, this cuts down on the risks of infection. Wireless charging can also bring safety benefits, as wired charging devices that come in contact with water can increase the chances of getting an electric shock. Wireless charging eliminates that danger completely. Still, there are a few drawbacks to wireless charging. The first is speed. It takes a bit longer to charge devices wirelessly than it does if the device is plugged in. The process also requires more heat, so devices tend to get a bit hotter, which could create other safety issues. Also, since devices must be left on a special pad while charging, it is harder to operate them while they are powering up. This limitation may be eliminated in the future, as researchers are developing transmitters that can charge several different devices in a room without the need to connect to a charging pad. Although wireless-charging technology may be far from perfect, it seems like a step in the right direction as we move towards a less-tangled future.
1. What does the passage say is a problem with many modern appliances?

Our new neighbors are quite nice _____ they are sometimes talkative.

(297)_______

Read the passage below carefully, and then choose the best answer:
The Great Energy Debate
Modern civilization is heavily dependent on energy. Without reliable power sources, we couldn’t operate machines, use transportation, communicate via Internet, or do many other things. Although everyone recognizes the importance of energy, deciding what kind of energy the world should use in the future is not a simple task. The two leading candidates for this role are green energy and nuclear energy. Currently, most of the energy we use is derived from fossil fuels. Although this energy source has got us this far, there are several problems with it. For starters, it is a finite resource which is quickly running out. Some analysts have even estimated that the Earth could run out of coal and oil within the next 50 years. Burning fossil fuels also creates large amount of pollution, which is harmful to the environment. Although fossil fuels still provide the majority of our power, governments are seeking better energy sources to use going forward. Green energy is one option that is becoming increasingly attractive. It includes technologies such as solar, wind, and hydro power. These are seen as clean sources of energy because they cause very little pollution. In addition, they are completely renewable, so there is no danger that it will run out. The major disadvantage with green energy sources is that they are not cheap. The other alternative is nuclear power. Like green energy, it is also a renewable source of power that will not run out, and it also doesn’t produce air pollution. In addition, nuclear power is more reliable than green energy, as it doesn’t depend on sunshine, rain, or wind to operate. The major issues with nuclear power are safety concerns and nuclear waste. Nuclear power plants create a considerable amount of nuclear waste which is extremely hazardous to people’s health. If they happen to have a meltdown, this could destroy the surrounding area for years to come. The recent nuclear disaster in Fukushima, Japan brought this reality into the spotlight once again. In response, Germany announced it would close down eight of its nuclear plants immediately, and close the rest by 2022. Meanwhile, other nations refuse to give up on nuclear power, stating that these disasters are rare. The debate of whether to use green or nuclear power will likely continue for some time. In the end, it is quite possible that both energy sources will be used to fuel our planet.
2.  What is the major problem with using fossil fuels?

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Residents in my area are concerning _________ water safety.

Tom and Josh are discussing their summer vacation plan.

- Tom: “ _______.”

- Josh: “I don’t think that’s a good idea because it will be costly and strenuous.”

(100)______

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:
An air pollutnt is defined as a compound added directly or indirectly by humans to the atmosphere in such quantities as to affect humans, animals, vegetation, or materials adversely. Air pollution requires a very flexible definition that permits continuous change. When the first air pollution laws were established in England in the fourteenth century, air pollutants were limited to compounds that could be seen or smelled – a far cry from the extensive list of harmful subtances known today. As technology has developed and knowledge of the health aspects of various chemicals has increased, the list of air pollutants has lengthened. In the future, even water vapor might be considered an air pollutant under certain conditions.
Many of the more important air pollutants, such as sulfur oxides, carbon monoxide, and notrigen oxides, are found in nature. As the Earth developed, the concentration of these pollutants was altered by various chemical reactions; they became components in biogeochemical cycles. These serve as an air purification scheme by allowing the compounds to move from the air to the water or soil. On a global basis, nature’s output of these compounds dwarfs that resulting from human activities.
However, human production usually occurs in a localized area, such as as city. In such a region, human output may be dominant and may temporarily overload the natural purification scheme of the cycles. The result is an increased concentration of noxious chemicals in the air. The concentrations at which the adverse effects appear will be greater than the concentrations that the pollutants would have in the absence of human activities. The actual concentration need not be large for a subtance to be a pollutant; in fact, the numerial value tells us little until we know how much of an increase this represents over ther concentration that would occur naturally in the area. For example, sulfur dioxide has detectable health effects at 0.08 parts per million (ppm), which is about 400 times its natural level. Carbon monoxide, however, has a natural level of 0.1 ppm and is not usually a pollutant until its level reaches about 15 ppm.

For which of the following reasons can natural pollutants play an important role in controlling air pollution ?