X. Complete the sentences with prepositions:

1. Hongkong Bank’s net interest income increased a)….. 19 % last year.

2. Chrysler might run b) …. money to pay interest c) …. its bonds.

3. Your accountant will make d) ….. your accounts and prepare your tax return.

4. Total public spending will rise e) ….. real terms f) ….. 4 % this financial year and will

continue g) ….. this pace in the year to spring 2010.

5. Interest h) ….. the instruments i) ….. the interest rate basket is usually received more

frequent by than annually and most often j) ….. intervals of three months.

6. Construction lending has been badly hit by restrictions k) ….. loans.

7. Where can I exchange my dollars l) ….. pounds?

8. Investors have doubled their money after swapping the bonds m) … a package of cash and shares.

9. Some states allow card payments n) … certain taxes.

10. Basically, commercial banks – the ones that people use to keep their savings o) … and to borrow their money p) … the country’s central bank.

XI. Read the text and choose the correct word or words from a, b, c or d to fill in each gap: Money: its functions and characteristics

Money is something that ___1___ all of us take for granted in so far as we need it to carry out our daily lives. Riding on a bus, purchasing a soft drink or an ice-cream are simple yet very frequent examples of when we hand ___2___ a few coins or a note to whoever ___3___ these things for us. The process is so simple in fact that we have no need to even think about it. Having said that, all of us (except possibly for Bill Gates of Microsoft) would like more money, but is a different ___4___ as we saw earlier.

The money we pay for purchases is usually our national currency, such as dollars, euros, rubles, rupees and so on. The coins and paper notes themselves have little or no intrinsic value – their value to us stems directly from the fact that sellers have complete ___5___ in the money we are giving to them and so exchange it for the goods and services we ___6___. This confidence in turn ___7___ them to buy supplies for their shop or petrol for their bus and so on. In the simple way described above, we have shown the functions of money.

The practice of using money is absolutely ___8___ for the ___9___ operation of businesses and international transactions in the modern global economy. In the absence of the sort of money we know, people would have rely on barter.

From the economist’s standpoint, money has three necessary functions. If any of these functions break down and cannot be met, people lose confidence in money. When this occurs, economic collapse is the only outcome.

1	A	accidentally	B	extremely	C	virtually	D	controversially
2	A	on	B	up	C	round	D	over
3	A	is preventing	B	is providing	C	is prohibiting	D	is forbidding
4	A	note	B	matter	C	notice	D	indicator
5	A	confidence	B	hesitation	C	anxiety	D	doubt
6	A	give up	B	fail	C	require	D	call
7	A	gives over	B	ceases	C	is able	D	enables
8	A	inherit	B	essential	C	inherent	D	accessory
9	A	quiet	B	calm	C	smooth	D	rough