IX. Выберите соответствующий глагол, вводящий косвенную речь.

1. Ms Smith … she was on analyst.

1. told

2. said

3. instructed

2. She .. she would finish the report by 8th of September.

1. promised

2. asked

3. ordered

3. I … her if her job was interesting.

asked

explained

told

4. She … to us that she earned $50 000 a year.

   told

   asked

   said

5. She … us that the share price could rise considerably.

asked

told

said

X. Прочитайте текст и укажите, верны (True) или нет (False) следующие за ним утверждения.

Who is more in debt: men or women?

A recent study by the Debt Foundation shows that it is young men who have the biggest debts on their credit cards, but it is young women who have the biggest problems with paying the debt. Why the difference?

Many people think that women are just bad at managing money. They cannot stop buying new shoes, handbags, or clothes when they see them, and so they borrow money on store cards that you can get from big shops. But the results of the survey show this is simply not true. Young men, it seems, use store cards as much as women. Sometimes, they are worse. Also, they save less money than women from their salaries. They open fewer saving accounts than women and take bigger risks with their finance, investing in things like shares. Young men are also less likely to have insurance on their homes and possessions.

The real reason women can’t pay is that women usually have debts on basic things for the home like rent and services simply because they are poorer and often have to support children or older parents on low incomes. The study shows that today at the age of 24 most women earn 15% less than men and have more responsibilities with family and children. These are the real causes of debt problems.

But the worst news form the survey is that, because of their poverty, women often cannot go to big banks to borrow money. They have to use other service companies that charge the highest rates of interest. So, they suffer more and pay more in interest because their family needs are more desperate. The result is that there are more women who have their gas or electricity turned off for non payment.

1. A recent British study shows that young men avoid using store cards.

   True

   False

2. Store cards are provided by local banks.

   True

   False

3. Women usually save more money from their salaries.

   True

   False

4. Women have insurance on their homes more often than men.

   True

   False

5. Young men and women in Great Britain earn the same money.

   True

   False

6. Smaller financial institutions charge higher interest rates.

True

False