Q: Read the following article and answer the question. Article: In March 2004, Joe Ryan got a collection notice from a billing agency for Littleton Adventist Hospital near prefix = st1 /Denver,Colorado. The hospital wanted payment for surgery totaling $41,188. Ryan had never set foot in that hospital. Obviously there was some mistake. "I thought it was a joke," says Ryan. But when he called the billing agency, nobody laughed. Someone named Joe Ryan, using Ryan's Social Security number, had indeed been admitted for surgery. He figured clearing this up would take just a few phone calls. Two years later, Ryan continues to suffer from the damage to his credit rating and still doesn't know if his medical record has been cleared of wrong information. Joe Ryan was the victim of a little-known but frightening type of consumer fraud that is on the rise: medical identity theft, which involves using your name to get drugs, expensive medical treatment and even cheating insurance payments. As Ryan discovered, money isn't the half of it. When someone steals your name to receive health care, his medical history becomes part of your record -- and setting the record straight can be extremely difficult. That's because, in part, the information is distributed among dozens of caregivers, from doctors to medicine stores to insurance companies and labs. "I wanted to help straighten this out," says Ryan, "so I went to the hospital, and they had a three-inch-thick record for me, but they wouldn't let me see it. I showed them my ID, and they said that's not Joe Ryan's signature. Well, of course not! They had this other guy's signature." Ryan had fallen into a victim's Catch-22: If your record doesn't appear to be yours, you may not have the right to see it, much less change it. Ryan's next step was a visit to the Police Department. But the cops concluded there was not much they could do; local law enforcement has little experience with medical ID theft, and cases can end up being considered a civil matter. Question: At first Joe Ryan thought his problem was _ . Answer: | OPTIONS:
- easy to settle
- difficult to settle
- impossible to solve
- unnecessary to solve
A: easy to settle

Q: Read the following article and answer the question. Article: British paychologists have found evidence of a link between excessive Internet use and depression, a research has shown. Leeds University researchers, writing in the Psychopathology journal, said a small part of Internet users were classed as Internet addicts and that people in this group were more likely to be depressed than non-addicted users. The article on the relationship between excessive Internet use and depression is from a questionnaire-based study of 1,319 young people and adults. The respondents answered questions about how much time they spent on the Internet and what they used it for; they also complete the Beck Depression Inventory---a series of questions designed to measure the seriousness of depression. The six--page report, by the university's Institute of Psychological Science, said 18 of the people who complete the questionnaire were Internet addict."Our research indicates that excessive Internet use is associated with depression, but what we don't know is which comes first--are depressed people drawn to the Internet or does the Internet cause depression?" the article's lead author Dr Catriona Morrison said."What is clear is that, for a small part of people, excessive use of the Internet could be warning signal for depressive tendencies." The age range of all respondents was between 16 and 51 years, with an average age of 21.24. The average age of the 18 Internet addicts was 18.3 years. By comparing the levels of depression within this group to that within a group of 18 non--addicted Internet users, researchers found the Internet addicts had a higher chance of developing depression than non-addicts. They also discovered that addicts spent more time visiting sexually pleasing website, online gaming sites and online communities. "The public speculation was further proved by this study. That's to say, over-engaging in websites which serve to replace normal social function might be linked to psychological disorders like depression and addiction," Morrison said."We now need to consider the... Question: It is thought by the public that online communities _ . Answer: | OPTIONS:
- can never replace normal social function
- are intended to replace normal social function
- are associated with psychological disorders
- shouldn't take the blame for psychological disorders
A: are intended to replace normal social function

Q: Read the following article and answer the question. Article: I still clearly remember that day. I was on the side of the road for close to four hours with my big Jeep. I put signs in the windows that said, "NEED A JACK ". Right as I was about to give up, a truck stopped and a man got off. He sized up the situation and went back to take a jack. After about two hours, we finished the job with sweats. We were both dirty. His wife produced a large water jug for us to wash our hands in. I tried to put $20 in the man's hand, but he wouldn't take it, so instead I went up and gave it to his wife as quietly as I could. I thanked them up one side and down the other. I asked the little girl, their daughter, where they lived, thinking maybe I'd send them a gift. She said they lived in Mexico. They were in Oregon now so Mommy and Daddy could pick cherries for the next few weeks. After that, they were going to pick peaches, and then go back home. After I said my goodbyes and started walking back to the Jeep, the girl called out and asked if I'd had lunch. When I told her no, she ran up and handed me a tamale . I thanked them again and walked back to my car. When I opened the tamale, what did I find inside? My $20 bill! I ran to the van and the guy rolled down his window. He saw the $20 in my hand, started shaking his head smiling, and with what looked like great concentration said in English: "Today you, tomorrow me." Then he rolled up his window and drove away, with his daughter waving to me from the back. This family, working on a seasonal basis where time is money, took a couple of hours to help a stranger while others passed by quietly. Since then I've helped many people like the Mexican family. I didn't accept money. But every time I was able to help, I felt as if I was putting something in the bank. Question: Which of the following is TRUE about the author? Answer: | OPTIONS:
- He hated those who didn't offer help.
- He would send a present to the family soon.
- He wondered why they didn't take the money.
- He considered helping others as saving money in the bank.
A: He considered helping others as saving money in the bank.