Problem: Australia uses three main time zones: Australian Western Standard Time (AWST; ), Australian Central Standard Time (ACST; ), and Australian Eastern Standard Time (AEST; ). Time is regulated by the individual state governments, some of which observe daylight saving time (DST). Australia's external territories observe different time zones.

Standard time was introduced in the 1890s when all of the Australian colonies adopted it. Before the switch to standard time zones, each local city or town was free to determine its local time, called local mean time. Now, Western Australia uses Western Standard Time; South Australia and the Northern Territory use Central Standard Time; while New South Wales, Queensland, Tasmania, Victoria, and the Australian Capital Territory (ACT) use Eastern Standard Time.

Daylight saving time is used in South Australia, New South Wales, Victoria, Tasmania, and the ACT. It is not currently used in Western Australia, Queensland or the Northern Territory.

The standardization of time in Australia began in 1892, when surveyors from the six colonies in Australia met in Melbourne for the Intercolonial Conference of Surveyors. The delegates accepted the recommendation of the 1884 International Meridian Conference to adopt Greenwich Mean Time (GMT) as the basis for standard time.

The colonies enacted time zone legislation, which took effect in February 1895. The clocks were set ahead of GMT by eight hours in Western Australia; by nine hours in South Australia (and the Northern Territory, which it governed); and by 10 hours in Queensland, New South Wales, Victoria, and Tasmania. The three time zones became known as "Eastern Standard Time", "Central Standard Time", and "Western Standard Time". Broken Hill in the far west of New South Wales also adopted Central Standard Time due to it being connected by rail to Adelaide but not Sydney at the time.
1. How many times zones does Australia have?
2. Who regulates time?
3. Do they all observe DST?
Answer: 1. three
2. ndividual state governments
3. no

Problem: ATLANTA, Georgia (CNN) -- Eric Hahn thought his financial situation was set after he was approved for a private student loan with an 8 percent interest rate to supplement his federal education loans.

Eric Hahn, 21, estimates he will be in debt for the next five to seven years for his undergraduate tuition.

Just a few weeks later, Hahn, 21, was forced to cash in his savings and investments so he could make his rent and tuition after finding out that the lender, MyRichUncle.com, had suspended its private student loan program.

"Due to continued disruptions in the capital markets, combined with the continued demand we have experienced this year, we are reaching funding capacity limits," a message on his cell phone said, mimicking a statement on the company's Web site.

The sudden news left Hahn, a senior-year finance major, scrambling to find additional funding after maxing out his borrowing options from the federal government. Eventually, the country's leading student loan provider, Sallie Mae, approved him for a private loan at 12 percent.

After he graduates, Hahn estimates it will take him anywhere from five to seven years to repay about $30,000 he will have borrowed by then.

"Money isn't cheap," said Hahn, who transferred to Georgia State University in Atlanta from the University of Connecticut last year because the tuition was less expensive. "The process is time-consuming, and there's also the stress of having to liquidate my investments and wonder where I'm going to find money."

About 8 percent of student borrowers rely on private loans, which tend to be costlier and stricter than federal loans, said Robert Shierman, executive director of the Institute for College Access and Success. In doing so, Hahn and others like him are getting a crash course in market volatility and its effects on the consumer's ability to find money. Watch how the current economic troubles affect consumers "
1. What is Hahn studying?
2. At which university?
3. Where did he attend last year?
4. Why did he transfer?
5. What year of student is he?
6. at how old?
7. How long does he anticipate being in debt?
8. How much will he have borrowed in total?
9. Which company ended its loan program and left him in a bind?
10. What rate was he anticipating with that company?
11. What reasoning did they give?
12. Where did he end up borrowing from instead?
13. At what percentage rate?
14. Is this a well-utilized company?
15. Why couldn't he receive more money from the government?
16. Is the government more lenient than private options?
17. Which option is cheaper?
18. According to whom?
19. at which organization?
20. what title does he hold there?
Answer: 1. finance
2. Georgia State University
3. the University of Connecticut
4. tuition was less expensive
5. senior-year
6. 21
7. five to seven years
8. $30,000
9. MyRichUncle.com
10. 8 percent
11. "Due to continued disruptions in the capital markets, combined with the continued demand we have experienced this year, we are reaching funding capacity limits"
12. Sallie Mae
13. 12 percent
14. yes
15. he maxed out his borrowing options from the federal government
16. Yes
17. federal loans
18. Robert Shierman
19. the Institute for College Access and Success
20. executive director

Problem: (CNN) -- Pope John XXIII and Pope John Paul II are to be made into saints this weekend in an unprecedented double papal canonization.

While millions across the world remember John Paul II affectionately, John XXIII -- known as "The Good Pope" -- may not be as familiar. Here are five things you need to know about the much-loved pontiff.

1. He was born in poverty -- and proud of it

Angelo Giuseppe Roncalli, the man who would become Pope John XXIII, was the third of 13 surviving children born to a family of farmers in the tiny village of Sotto il Monte, near Bergamo, northern Italy in November 1881.

Roncalli left home to study for the priesthood at the age of 11, but even after he became Pope in 1958 at the age of 76 he eschewed the trappings of his position, and refused to take advantage of it either for himself or his family.

In his last will and testament, Pope John XXIII wrote: "Born poor, but of humble and respected folk, I am particularly happy to die poor.

"I thank God for this grace of poverty to which I vowed fidelity in my youth... which has strengthened me in my resolve never to ask for anything -- positions, money or favors -- never either for myself of for my relations and friends."

When John XXIII died in June 1963 he was mourned around the world as "Il Papa Buono" ("The Good Pope"). He left his personal "fortune" to the surviving members of his family -- they each received less than $20.
1. What Pope was born into poverty?
2. Where was he born?
3. When did he die?
4. Was he made into a saint?
5. How much money did he leave to his family?
6. How many surviving siblings did he have?
7. What year was he born?
8. Was he happy to be poor?
9. What else was he called?
10. Which means?
11. Who else was sainted at the same time?
12. Was he more well known?
Answer:
1. John XXIII
2. Sotto il Monte
3. June 1963
4. yes
5. each person received less than $20
6. 12
7. 1881
8. yes
9. Il Papa Buono
10. The Good Pope
11. Pope John Paul II
12. yes