Read the following article and answer the question. Article: A popular saying goes, "Sticks and stone may break my bones, but words will never hurt me." However, that's not really true. Words have the power to build us up or tear us down. It doesn't matter if the words come from someone else or ourselves-the positive and negative effects are just as lasting. We all talk to ourselves sometimes. We're usually too embarrassed to admit it, though. But we really shouldn't be, because more and more experts believe talking to ourselves out loud is a healthy habit. This self-talk helps us motivate ourselves, remember things, solve problems, and calm ourselves down. Beware, though, that as much as 77% of self-talk tends to be negative. So in order to stay positive, we should only speak words of encouragement to ourselves. We should also be quick to give ourselves a pat on the back. The next time you finish a project, do well in a test, or finally clean your room, join me in saying, "Good job !" Often, words come out of our mouths without our thinking about the effects they will have; but we should be aware that our words cause certain responses to others. For example, when returning an item to a store, we might use warm friendly language during the exchange. And the clerk will probably respond in a similar manner. Or we can use harsh, critical language, which will most likely cause the clerk to be defensive. Words possess power because of their lasting effects. Many of us regret something we once said. And we remember unkind words said to us! Before speaking, we should always ask ourselves:Is it true? Is it loving? Is it needed? If what we want to say doesn't pass this test, then it's better left unsaid. Words possess power both positive and negative. Those around us receive encouragement when we speak positively. We can offer hope, build self-esteem and motivate others to do their best. Negative words destroy all those things. Will we use our words to hurt or to heal?The choice is ours. Question: Which of the following statements would the author agree to? Answer:
OPTIONS:
- Unkind words are more likely to be forgotten.
- It is better to think twice before talking to others.
- Words always possess long positive effects.
- Kind words are sometimes not needed at all.

Answer: It is better to think twice before talking to others.

Read the following article and answer the question. Article: A few months ago, Dr. Ken Duckworth, a psychiatrist in Massachusetts, was swimming in his community's pool, chatting with other swimmers. When he mentioned his career, one man wanted Duckworth's opinion on his struggles with depression; another asked for advice on a family member's mental illness. "I was sort of amazed. They were talking openly about their mental disabilities with a stranger in a swimming locker room, " said Duckworth, "That wouldn't have happened 15 years ago. " New research shows that these swimmers aren't the only ones opening up. According to a new study, more American adults than ever are reporting being disabled by the symptoms of depression, anxiety or other emotional problems. The report, published Thursday in the American Journal of Public Health, found that people who said they couldn't perform everyday tasks or engage in social and leisure activities because of a mental illness increased from 2 percent in 1999 to 2.7 percent in 2009. That increase amounts to nearly 2 million more people disabled by mental distress in the past decade, the report said. Although people did not say they felt more mental distressed compared to past years, they reported that their mental health problems had a greater impact on their daily lives. Dr. Ramin Mojtabai, the study's author, said it's unclear whether the findings tell a sad story of greater mental distress in recent times or point to a victory for public education about the importance of acknowledging and evaluating mental illness. "It is possible that people are realizing the effects of mental illness more acutely now than before," he said. "People could be becoming more aware. " Mojtabai said it's also possible that a number of factors could be taking a toll on the population's mental well-being. High unemployment, economic hardships and a growing sense of isolation could be putting greater stress on Americans. But Duckworth said there could be a more positive explanation -- like his fellow swimmers, people may be getting more comfortable... Question: What does the underline phrase "taking a toll on" in para.8 mean? Answer:
OPTIONS:
- making a contribution to
- taking part in
- playing a part in
- doing harm to

Answer: doing harm to

Read the following article and answer the question. Article: Banks are not ordinarily prepared to pay out all accounts(,); they rely on depositors not to demand payment all at the same time. If depositors should come to fear that a bank is not safe, that it cannot pay off all its depositors, then that fear might cause all the depositors to appear on the same day. If they did, the bank could not pay all accounts. However, if they did not all appear at once, then there would always be enough money to pay those who wanted their money when they wanted it. Mrs. Elsie Vaught has told us of a terrifying bank run that she experienced. One day in December of 1925 several banks failed to open in a city where Mrs. Vaught lived. The other banks expected a run the next day, and so the officers of the bank in which Mrs Vaught worked as a teller had enough money on hand to pay off their depositors. The officers simply told the tellers to pay on demand. The next morning a crowd gathered in the bank and on the sidewalk outside. The length of the line made many think that the bank could not possibly pay off everyone. People began to push and then to fight for places near the tellers' windows. The power of the panic atmosphere was such that two tellers, though they knew that the bank was quite all right and could pay all depositors, drew their own money from the bank. Mrs Vaught says that she had difficulty keeping herself from doing the same. Question: A bank run happens when _ . Answer:
OPTIONS:
- too many depositors try to draw out their money at one time
- a bank is closed for one or more days *ks5*u
- there is enough money to pay all its depositors at one time
- tellers of a bank take their own money from the bank

Answer:
too many depositors try to draw out their money at one time