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is required, errors in counting are eliminated. Fraud and theft are also reduced and for the retailer, it reduces the cost of handling money. Sonys vision of having a chip embedded in
computers. TVs and games consoles means that films, music and games can be paid for easily and without having to input credit card details.
And what about the future of the banks? Within their grip on the market, banks and credit-card firms want to be in a position to collect most of the fees from the users of mobile and
contactless-payment systems. But the new system could prove to be a ‘disruptive technology’ as far as the banks are concerned. If payments for a few coffees, a train ticket and a newspaper
are made every day by a commuter with a mobile, this will not appear on their monthly credit card statements but on their mobile phone statements. And having spent fortunes on branding,
credit-card companies and banks do not want to see other payment systems gaining popularity. Its too early to say whether banks will miss out and if so, by how much. However, quite a few
American bankers are optimistic. They feel there is reason to be suspicious of those who predict that high-street banks may be a thing of the past. They point out that Internet banking
did not result in the closure of their high-street branches as was predicted. On the contrary, more Americans than ever are using local branches. So, whether well become a totally cash-
free society remains open to contention.
Question 36: What is the main idea of the first paragraph? A. The absence of traditional payment methods. C. Japans advanced forms of payment.
B. Predictions of future payment methods. D. The increasing popularity of new
payment methods.
Question 37: Why does the author mention ‘a small flat-screen device’ in the first paragraph?
A. to exemplify the e-cash system. C. to praise the e-cash system. B. to criticize the e-cash system. D. to inform the e-cash system.
Question 38: Which of the following is NOT true about the strong point of e-cash? A. faster speed
B. no fraud C. fewer mistakes D.
reduced cost Question 39: The word ‘embedded’ in the second paragraph is closest in meaning to
____________
A. manufactured. B. isolated. C. integrated.
D. generated. Question 40: The author mentions the case of commuter in the third paragraph to illustrate
__________
A. the modern technology of the e-cash system. C. the banks cooperation with credit-card
companies.
B. a possible drawback of the system. D. the transferability of the system. Question 41: What does the author think may happen in the future?
A. Daily expenses on drinks and tickets will appear on phone statements. B. Banks will collect their fees through credit-card companies.
C. Americans will no longer go to their local bank branches. D. Credit – card companies and banks will want to promote cash.
Question 42: How does the writer seem to feel about the future of banks? A. neutral
B. uncertain C. optimistic D. pessimistic
Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the answer correct answer to each of the questions
There are a number of natural disasters that can strike across the globe. Two that are frequently linked to one another are earthquakes and tsunamis. Both of them can cause a great
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amount of devastation when they hit. However, tsunamis are the direct result of earthquakes and cannot happen without them.
The Earth has three main parts. They are the crust, the mantle, and the core. The crust is the outer layer of the Earth. It is not a single piece of land. Instead, it is comprised of a number of
plates. There are a few enormous plates and many smaller ones. These plates essentially rest upon the mantle, which is fluid. As a result, the plates are in constant – yet slow – motion. The
plates may move away from or to word other plates. In some cases, they collide violently with the plates adjoining them. The movement of the plates causes tension in the rock. Over a long
time, this tension may build up. When it is released, an earthquake happens. Tens of thousands of earthquakes happen every year. The vast majority are so small that only
scientific instruments can perceive them. Others are powerful enough that people can feel them, yet they cause little harm or damage. More powerful earthquakes however, can cause
buildings, bridges, and other structures to collapse. They may additionally injure and kill thousands of people and might even cause the land to change its appearance. Since most of the
Earth’s surface is water, numerous earthquakes happen beneath the planet’s oceans. Underwater earthquakes can cause the seafloor to move. This results in the displacement of
water in the ocean. When this occurs, a tsunami may form. This is a wave that forms on the surface and moves in all directions from the place where the earthquake happened. A tsunami
moves extremely quickly and can travel thousands of kilometers. As it approaches land, the water near the coast gets sucked out to sea. This causes the tsunami to increase in height.
Minutes later, the tsunami arrives. A large tsunami – one more than ten meters in height- can travel far inland. As it does that, it can flood the land, destroy human settlements, and kill large
numbers of people.
Question 43: Which of the following statements does paragraph 1 support? A. A tsunami happens in tandem with an earthquake.
B. The most severe type of nature disaster is an earthquake. C. Earthquakes cause more destruction than tsunamis.
D. Earthquakes frequently take place after tsunamis. Question 44: The word ‘it’ in bold in paragraph 2 refers to______________
A. the core. B. the crust.
