Question 4: A. to being B. to be C. been D. being

Question 6: A. time        B. timely        C. timing        D. timed

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.

Question 7: A. other        B. others        C. another        D. the other

Question 8: A. number        B. level        C. amount        D. deal

Question 9: A. get on with        B. take part in        C. give up        D. look after

Question 10: A. In the event of        B. Because of        C. Subsequent to        D. As long as

Question 11: A. appreciation        B. prejudice        C. comparison        D. admiration

Question 12: A. details        B. signs        C. traits        D. features

Question 20:

A.  Young adults aged 35 to 44 use cash for less than 10% of their purchases

B.  Most adults over 65 years old still prefer using cash for all of their shopping

C.  The number of digital transactions has stayed the same during the last decade

D.  People are now encouraged to use cash more often to avoid high transaction fees

Question 21: 

A.  For instance, the "cashless effect" is often cited as a major benefit for those wanting to avoid physical contact

B.  However, research has identified the "cashless effect" – a psychological tendency to spend more freely

C.  Consequently, the digital era has witnessed the rise of a certain "cashless effect" that promotes careful spending

D.  Furthermore, financial experts have pointed to the "cashless effect" as a primary reason for better money management

Question 5: A. from        B. with        C. into        D. for