Question 11: A. another B. others C. the others D. the other

PERSONAL FINANCE NOTE: SAVING AND INVESTING WISELY

Before You Invest

• Set clear goals for travel, study, or retirement.

• First, (7) __________ enough money for emergencies instead of locking all your income into long-term plans.

• A surprisingly large (8) __________ of young earners now track every monthly expense.

Balancing Risk

• Safer choices usually offer lower returns, while shares and funds may be more (9) __________ in the short term.

• (10) __________ higher living costs, regular saving has become more difficult for many households.

Keeping a Plan

• Of the two accounts described here, one is designed for daily use; (11) __________ is intended for longer-term goals.

• Good results often depend on patience, discipline, and a clear sense of financial (12) __________.

QUIET CRACKING

When people look fine but are falling apart in silence

— Behind the surface

Quiet cracking describes a state in which people still meet deadlines, reply politely, and appear dependable, yet feel (1) __________ inside. Unlike open burnout, it is hard to notice because performance often stays stable.

— How it grows

In many workplaces, employees paper (2) __________ the cracks with humour, extra effort, or silence. Managers, many of (3) __________ focus mainly on results, may miss the signs completely. A (4) __________ can make rest look like weakness and honesty feel risky.

— Why it matters

Over time, workers may avoid (5) __________ that anything is wrong. At home, they can even (6) __________ the pressure on to other people without meaning to. Quiet cracking is dangerous not because it is dramatic, but because it is so easy to hide.