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I'm taking a test and have to guess the right answer to the question after the article. Article: Are you a saver or a spender? "A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. " _ " is another way to talk about saving for the future. People who hate to spend money are known as "tightwads," while those who like to get the most value for their money are called "thrifty." A thrifty person is different from a "spendthrift." A spendthrift is someone who spends wastefully. People like that are often said to spend money "like a drunken sailor" or "like there's no tomorrow." In the United States, people who want to start a savings account have different choices of where to put their money. These include banks and credit unions. Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations. Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. Longer terms, and larger amounts, pay higher interest. People can withdraw their money early but they have to pay a fine. In a number of countries, people have been saving less over the years. The Organization for Economic Cooperation and Development is a group of thirty-four countries. The OECD says in 1990, Americans had a household savings rate of seven percent. This year, that rate is expected to be a little more than four percent and many European countries have higher rates like the UK and France , but Americans save more than families in countries like Japan and South Korea. Question: If you have $10,000, which of the following may help you get higher interest ? Options: A: Choose certificates of deposit for one year. B: Put the money in banks for one year. C: Put the money in credit unions for one year. D: Choose certificates of deposit for one year but withdraw the money ahead of time.
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A

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I'm taking a test and have to guess the right answer to the question after the article. Article: The researchers, led by Hwang Woo-suk, insist they cloned an Afghan hound, only to help investigate human disease, including the possibility of cloning stem cells for treatment purposes. But others immediately renewed calls for a global ban on human reproductive cloning before the technology moves any farther. "Successful cloning of an increasing number of species confirms the general impression that it would be possible to clone any species of mammals, including humans," said Ian Wilmut, a reproductive biologist at the University of Edinburgh who produced the first cloned mammal, Dolly the sheep, from an adult cell nearly a decade ago. Researchers have since cloned cats, goats, cows, mice, pigs, rabbits, horses, deer, mules and gaur, a large wild ox of Southeast Asia. So far, efforts to clone a monkey or another primate with the same techniques have failed. Uncertainties about the health and life span of cloned animals continue to exsist; Dolly died at a young age in 2003 after developing cancer and arthritis. Wilmut and others _ Hwang's achievement, reported Wednesday in the journal Nature. But they said politicians and scientists must face the larger issue -- how to go on with the research without crossing the moral boundary of copying human life in the lab. "The ability to use the technology is hopeful," said Robert Schenken, president of the American Society for Reproductive Medicine. "However, the paper also points out that in dogs as in most species, cloning for reproductive purposes is unsafe." The cloned puppy was the lone success from more than 100 dogs implanted with more than 1,000 cloned embryos. In a news conference in Seoul, the cloning team also condemned the reproductive cloning of humans as "unsafe and inefficient." Human reproductive cloning already is banned in South Korea. Other nations, including the United States, are divided on whether to ban just human cloning or cloning of all kinds, including the production of stem cells. Question: An Afghan hound is a kind of _ . Options: A: cat B: dog C: cow D: goat
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B

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I'm taking a test and have to guess the right answer to the question after the article. Article: In the past two years, his wife, Merlie, and their seven children have said "goodbye" to him four times, most recently last month. Each time it has been unnecessary. Mr. Smart had a hip replacement in February at the Burnie hospital but was rushed back two months later with internal bleeding. "The doctors couldn't stop the bleeding," Mrs. Smart said. Medical staff told Mrs. Smart to contact her family, which includes children in Western Australia. "It took two days for them to get here. We had to hope he _ ." he did. "The doctors were there 24 hours a day and they stopped the bleeding. They brought him back," Mrs. Smart said. "I certainly believe in miracles because I've seen one happen, but it wouldn't have happened if the doctors didn't do what they did." It was the second time Mrs. Smart thought she was losing her husband of 54 years. Two years ago, Mr. Smart was admitted to the Launceston General Hospital after a heart attack and a few days later with intense pain caused by a hemorrhage . Again, the family was called to say goodbye---twice. "I was given a 50-50 chance of coming out of it, " Mr. Smart said. Going through the ordeal (,) then was trying on the family, who had prepared themselves for the worst. But to face the same situation only two years later was hard. The Smarts said the support they received at the Burnie hospital helped them through. And it seems the experience has also left an impression at the hospital. Mrs. Smart said when she rang recently and mentioned her husband's name, the reply was "ah the miracle man". Question: When Mr. Smart was rushed back to the hospital with internal bleeding, _ . Options: A: only his wife believed he could survive B: no one believed that he could survive C: he had given up hope of recovering D: it didn't take the doctors long to stop the bleeding
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B