Read the following passage and mark the letter A, B, C or D on your answer sheet to indicate the option that best fits each of the numbered blanks from 18 to 22.
The Rise of Buy Now, Pay Later: Convenience or Debt Trap?
Buy Now, Pay Later (BNPL) has become an increasingly popular payment method in modern shopping. Instead of paying the full price immediately, (18) __________. If payments are made on time, users often avoid interest, which makes BNPL seem both convenient and affordable. As a result, services such as PayPal Credit, Affirm, and Klarna (19) __________.
However, BNPL can also lead to financial pressure. Because each instalment is relatively small, it is easy to underestimate the total cost and lose track of multiple payment schedules. Many people use BNPL for non-essential items like fashion or electronics, (20) __________. When a payment tool becomes a way to cover basic expenses, it may suggest that a person is already facing a tight budget.
The biggest risks are overspending and late fees. Breaking a price into instalments can make products appear cheaper, (21) __________. If someone misses a due date, extra charges may quickly increase the overall cost and create debt, a situation (22) __________. BNPL can be a helpful option when used responsibly, but users should monitor their spending carefully, keep track of deadlines, and avoid depending on it for essential living costs.
A. and several smaller instalments are divided into a purchase over a short period
B. purchasers can be divided into several smaller instalments over a short period
C. customers can divide a purchase into several smaller instalments over a short period
D. a purchase can divide into several smaller instalments for customers over a short period
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Tiếng Anh
Read the following leaflet and mark the letter A, B, C or D on your answer sheet to indicate the opt...
Đề bài
Read the following leaflet and mark the letter A, B, C or D on your answer sheet to indicate the option that best fits each of the numbered blanks from 7 to 12.
Women Who Changed the World – A Message for Gender Equality
Angela Burdett-Coutts was one of the richest women in England, but she used her wealth to help (7) __________ through charity. She built schools and houses for poor families and worked with famous charities like the RSPCA and the NSPCC. While many women of her time stayed at home, she showed that women could also lead and support communities.
Florence Nightingale gave another example of (8) __________. She left behind a wealthy life to serve as a nurse. During the Crimean War, she became known as “The Lady with the Lamp,” visiting soldiers at night. She also wrote papers and used pictures to explain medical ideas. Her work proved that women could change not only health care but also education.
Even today, a high (9) __________ of inequality prevents many women from following their dreams. Yet both Angela and Florence proved that women could stand up for justice and inspire change.
(10) __________ many barriers in the 19th century, they showed that women had the same value as men. While one woman became a leader in charity and the other in nursing, many others continued their (11) __________ equal rights.
By respecting values like (12) __________ and fairness, and by giving women equal opportunities in society, we can make great progress—just as these women once did.
[Adapted from Bright workbook 10]
Question 7:A. others B. another C. the other D. the others
Read the following announcement and mark the letter A, B, C or D on your answer sheet to indicate th...
Đề bài
Read the following announcement and mark the letter A, B, C or D on your answer sheet to indicate the option that best fits each of the numbered blanks from 1 to 6.
SCROLL SMART CHALLENGE (2026): 14 Days to a Healthier Feed
If social media is your “quick break” that quietly becomes an hour, you’re not alone. Join our free Scroll Smart Challenge and try a reset that fits real life. You’ll receive a (1) __________ guidebook plus daily prompts you can finish in under 5 minutes.
Track your progress on a dashboard (2) __________ small wins—less doomscrolling, better sleep, and fewer impulsive clicks. By Day 3, many participants report (3) __________ calmer in the morning because they stop checking notifications before breakfast.
Here’s the twist: Only when you pause do you notice what you’ve been missing. We’ll help you take (4) __________ of your feed with simple settings, “mute lists,” and a news-check routine.
You’ll also learn to comment (5) __________ during disagreements, without turning every thread into a fight. Need support? Our hotline connects trained coaches (6) __________ you within minutes.
Question 1:A. two-week backed-research social media
