Read the following article and select the best answer. Article: Millions of families around the world have been given a helping hand out of poverty by micro-credits. These very small loans , usually less than US$200, have enabled the very poorest people to set up or expand businesses and become self-sufficient. The micro-credit movement started with Professor Muhammad Yunus, who founded the Grameen Bank in Bangladesh. Professor Yunus, who won the 2006 Nobel Peace Prize, used his own money to set up a bank to benefit the poorest people in Bangladesh--families living on less than US$1 a day. There are now hundreds of organizations around the world following his blueprint to help people escape from poverty. So how does the system work? Local microfinance institutions (MFIs) make contact with families and offer loans, usually to women, to enable them to start or expand a business. These are very poor people who would not normally be able to get credit, but as no collateral is required they can get micro-credits. They pay back the loan on a weekly basis, over six months to a year. A very important aspect to the success of the micro-credit system is that receivers get local support. The MFIs educate local communities about ways to improve their lives, and offer practical support as well as collecting weekly loans payments. They encourage people to help each other, so that the whole community can pull itself out of poverty. MFIs may also help with literacy and health problems. Micro-credits are mainly given to women. Experience has shown that women are more motivated to improve their children's lives and will spend the money they make on better nutrition and schooling for their children. This may be the first chance they've had to contribute financially to the family, and their status in the home and the local community is raised. The micro-credit system is not charity. The payments are fixed-term loans and interest is charged. The costs of making such small loans, collecting them and giving personal support are high. This is shown in the interest rates, which range from 15... Question: Micro-credits are offered to the poorest people around the world in order to _ . - make money out of the poor - support poor people out of poverty - set up more charity organizations - encourage economic growth worldwide
support poor people out of poverty

Read the following article and select the best answer. Article: Everyone hates to wait in lines. We get that anxious feeling that our precious life is slipping away while we're doing something so meaningless. But it's not always the length of the wait we find so unbearable. Some people camp outside Apple stores for an entire night just to get their hands on the latest product. But waiting 10 minutes in a grocery store just to buy a drink? Forget it. Our behavior when waiting is only partly decided by the length of the wait. "Often the psychology of queuing is more important than the statistics of the wait itself," notes the MIT researcher Richard Larson. One apparent aspect of queuing psychology is that we get bored when we wait in line. This issue is solved in many ways, from magazines in hospital waiting rooms to mirrors in elevators so that we can check our appearance. We really hate it when we expect a short wait and then get a long one. But studies show that we are much more patient when we are given an idea of how long we'll be waiting. Walt Disney Co knows this better than anyone else. It posts estimated waiting times for attractions in its theme parks. But according to Larson, these times are overestimated so that visitors get to the front of the queue more quickly than they expect. It keeps them happy. But perhaps the biggest influence on our feelings about waiting in a line has to do with our sense of fairness. When it comes to queues, the universally acknowledged standard is first come, first served. Any departure from this principle is regarded as unfair and can lead to violent queue anger. You've probably experienced mild queue anger yourself in fast food restaurants, watching people in the other line zoom ahead of you, cursing yourself for having chosen the "wrong" line. In order to solve this problem, the serpentine line was invented. The serpentine line guides all customers into one big snaking queue, separated by ropes or barriers. When you reach the head of the queue, you are directed to the next available server, or teller, or customs official. The... Question: Walt Disney Co makes people queuing happily by _ . - having people queue in serpentine line - letting people know how long they will wait exactly - making people queue shorter than they are informed - offering people magazines to read when waiting in lines
making people queue shorter than they are informed

Read the following article and select the best answer. Article: Parents might tell older children to "Act your age". But some researchers say that is what persons from thirteen to nineteen years old are doing. While teenagers can look all grown up, studies have shown that their brains are still developing. How much this explains their behavior, though, is a subject of debate. Jay Giedd of America's National Institutes of Health is a leader in this area of research. Doctor Giedd has been studying a group of young people since 1991. They visit him every two years for imaging tests of their brains. He says considerable development continues in young people from the teenage years into the twenties. A part of the brain called the dorsal-lateral prefrontal cortex appears especially undeveloped in teenagers. Researchers believe that this area controls judgment and consideration of risk. So, its underdevelopment may explain why young people seem more willing to take risks like driving too fast. Laurence Steinberg is a psychology professor at Temple University in Philadelphia. He says stronger laws and stronger parental control are needed to protect teens from themselves. That includes raising the age for driving. He says research shows that teenage brains are not fully equipped to control behavior. Other researchers, however, say there is not enough evidence to make a strong case for such findings. Psychologist Robert Epstein is a visiting scholar at the University of California in San Diego. Mr. Epstein notes that teen behavior differs from culture to culture. He says behavior depends for the most part on socialization. He believes that teenagers will demonstrate better, safer behavior if they spend more time with adults, and are treated more like them. But is that always true? Mike Males works at the Center on Juvenile and Criminal Justice in San Francisco. He suggests that all of this talk lately about brainless teens could be an attempt to take away attention from the reality. Writing in the New York Times, he says it is middle-aged adults whose behavior has worsened. In his... Question: Why do young people seem more willing to take adventures? - Because they can all look grown up in that way. - Because their dorsal-lateral prefrontal cortex appears undeveloped. - Because some researchers have been studying and encouraging them. - Because stronger laws and stronger parental control protect them
Because their dorsal-lateral prefrontal cortex appears undeveloped.