Read the following article and select the best answer. Article: Do you usually go Dutch(AA) when you take someone out to dinner? Do you expect your date to pay for the whole meal? Many people say that as long as there's love, money doesn't matter much. But this might change when the relationship gets serious and it is related to the money borrowed from the bank, the family present accounts and debt. A survey among 8 million couples in the UK suggested that 44% of married couples don't know exactly what their partner earns. An astonishing 23% actively try to keep their finances secret from their partners. About 38% of them are open to each other. Another 12% refuses to tell the truth. British relationship expert Russell says: "It's very difficult to talk about money. Often there's guilt, there's shame. To start those conversations is difficult. Money can be about how we value ourselves, how we feel valued. It's not just a simple case of talking about hard cash." So if you are in a couple, it might be a good idea to check if you both are on the same page about money before bills pile up on the kitchen table and love flies out of the window. When moving in together, couples should not only talk about their personal habits but also about their financial ones. Russell has a word of advice: "Accept the fact that in your relationship you might do money differently - there might be a spender or a saver. It's very attractive if your partner does things differently to say they're wrong. Do it differently but plan it well." And now, back to that date. Would you be bored with someone who was attractive but expected you to pay the bill by yourself? There's food for thought. Question: According to relationship expert Russell, what should people do no matter whether they are savers or spenders? - They should value themselves about spending money. - They should have a plan about money. - They should talk more about their personal spending habits. - They should spend money differently.
They should have a plan about money.

Read the following article and select the best answer. Article: A new study suggests that early exposure to germs strengthens the immune system. That means letting children get a little dirty might be good for their health later in life. The study involved laboratory mice. It found that adult mice raised in a germ-free environment were more likely to develop allergies, asthma and other autoimmune disorders. There are more than eighty disorders where cells that normally defend the body instead attack tissues and organs. Richard Blumberg,who led the study,is a professor at Harvard Medical School in Boston,Massachusetts. He says,in 1989,medical researchers who sought to explain these diseases, first discovered that the increasing use of antibacterial soaps and other products, especially early in life, could weaken immune systems. Now, Dr. Blumberg and his team have what is the first biological evidence to link early exposure to germs to stronger adult immune systems. They say this exposure could prevent the development of some autoimmune diseases. In the adult germ-free mice, they found that inflammation in the lungs and colon was caused by so-called killer T cells. These normally fight infection. But they became overactive and targeted healthy tissue--an autoimmune condition seen in asthma and a disease called ulcerative colitis . Dr. Blumberg says the mice raised in a normal environment did not have the same reaction. He says their immune systems had been "educated" by early exposure to germs. Rates of autoimmune disorders are rising worldwide, but mostly in wealthier, industrialized countries. According to Dr. Blumberg, it might be high time that people were warned to be more careful with the early use of antibiotics and the prescription from their doctors. Rob Dunn is a professor of ecology and evolutionary biology at North Carolina State University in Raleigh. He says the new study does not mean people should stop washing. "Wash your hands , but don't do it with antibacterial soap. Let your kids play in a reasonable amount of dirt and get outside and get... Question: Why are germ-free mice easy to develop lung inflammation? - Because their T cell fight bacteria effectively. - Because their T cells attack the healthy tissues. - Because their lungs become abnormally active. - Because their lungs have weaker tissues.
Because their T cells attack the healthy tissues.

Read the following article and select the best answer. Article: I'll be the first to admit that I am a technophobe .Who would have guessed that a website would help repay a 20-year-old loan? I'1l always remember my last day at school. My best friend, Jenny, had organized a party in the Sixth Form Common Room; Jenny asked me to go to the supermarket with her to buy all the snacks. "I'm really looking forward to this party, Stingy," she said. Everyone called me Stingy instead of Debbie because they thought I didn't like to spend money. Actually, it was true. "There's lots of money in the kitty . Let's go crazy!" Going crazy meant buying enough snacks to feed an army. It came to PS 19.90,which was a lot of money in 1982. Jenny gave me a guilty( ) look. "I've left-the kitty money in the common room. Can you pay and I'll give you back the money?" "Sure," I replied, trying to look relaxed. ' Neither a lender or a borrower be' was my motto but I didn't want to look stingy . I gave PS20 to the impatient shop assistant. Well, the Party was a great success. So great that I completely forgot about my loan until I was flying to America the next day. I was going to live with my uncle's family until I started university. I tried to get in touch with Jenny but her family had moved. My PS20 was lost. Until... I'd heard about a website called Friends Reunited which helped people contact old school friends. My husband helped me log on and find my school. There she was,Jenny Frost. I'm now married with a beautiful daughter called Debbie. Does anyone know how to get in touch with Debbie 'Stingy' Jones? I still owe her PS20! We met two months later and the PS20 was returned, plus interest of course. After all, I'm a bank manager now, so loans are my business. Question: How did Debbie get her money at last? - Her husband found Jenny. - Jenny had a website on the Internet. - Debbie met Jenny. - Debbie put a message on the Friends Reunited website.
Debbie put a message on the Friends Reunited website.