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Ex.6

1F

2A

3G

4O

5K

6H

 

7M

8D

9C

10J

11E

12P

13L

14I

15B 16N

 

 

 

 

 

 

Ex.7

1c

2h

3e

4i

5f

 

6g

7d

8a

9b

10j

 

Ex.8

 

 

 

 

 

 

 

 

 

 

 

 

verb

 

 

noun

 

 

 

adjective

 

 

--------

 

 

entrepreneur

 

 

entrepreneurial

 

 

 

 

entrepreneurship

 

 

 

 

 

 

finance

 

finance

 

 

 

financial

 

 

 

 

 

 

financier

 

 

 

 

 

 

 

initiate

 

 

initiative

 

 

initiating

 

 

 

 

 

initiator

 

 

 

initiated

 

 

 

attract

 

 

attraction

 

 

attractive

 

 

differ

 

 

difference

 

 

different

 

 

 

invest

 

 

investor

 

 

 

investible

 

 

 

 

 

investment

 

 

 

 

 

 

 

require

 

 

requirement

 

 

required

 

 

 

save

 

 

savings

 

 

 

savable

 

 

 

 

 

 

saver

 

 

 

 

 

 

 

 

mediate

 

mediator

 

 

mediatory

 

 

intermediate

 

intermediary

 

 

intermediate

 

 

emerge

 

emergence

 

 

emerging

 

 

 

 

 

 

 

 

 

 

emerged

 

 

 

donate

 

 

donation

 

 

donating

 

 

 

 

 

 

 

 

 

 

 

donated

 

 

 

support

 

support

 

 

 

supportive

 

 

 

 

 

supporter

 

 

 

 

 

 

 

produce

 

production

 

 

productive

 

 

benefit

 

 

benefit

 

 

 

beneficial

 

 

 

 

 

beneficiary

 

 

 

 

 

 

 

specify

 

specificity

 

 

specific

 

 

 

promote

 

promotion

 

 

promotional

 

 

 

 

 

promoter

 

 

 

 

 

 

 

innovate

 

innovation

 

 

innovative

 

 

 

 

 

 

 

 

281

 

 

 

 

 

 

 

innovator

 

participate

participation

participating

 

participant

 

--------

efficiency

efficient

access

access

accessible

provide

provision

providing

 

provider

provided

Ex. 9

relationship

 

 

 

marked by

 

 

 

 

 

contrast

 

 

 

 

in contrast, however, but

 

 

 

 

time and sequence

 

 

while, first, second, finally

 

 

 

 

reason (cause)

 

 

since, because

 

 

 

 

 

result (effect)

 

 

consequently, so

 

 

 

 

addition

 

 

 

 

moreover, as well as

 

 

 

 

Ex.11

1(23)C

 

2(24)C

3(25)A

4(26)A

5(27)A

6(28)B

7(29)C

8(30)C

 

 

 

 

 

 

 

 

 

 

 

Ex. 13 1. haven’ t seen

2. have never seen 3. I’ve done

 

4. quitted 5.did you talk 6. have often wondered

7. did they manage

8. have you worked

9. Read 10. emerged; have emerged

 

Ex.14 1. has announced; provided

2. has chaired

3. had chaired

4. had just started; imposed

5. was supporting;

imposed

6. had

strongly been promoting

7. did investors obtain

8. had been

working; had raised; required 9. initiated; mediated

10. accessed

11. had he been attracting;

had

he

attracted 12.

haven’t

talked;

specified

 

 

 

 

 

 

 

 

 

 

 

 

Ex.15 1. rely; are used to raising

2. to get used to

3. would/used to

4. used to believe

5. used to have

 

 

 

 

 

 

Ex. 16

1b

2c

3c

4c

5a

6a

 

 

 

 

 

Ex.17

1C

2A

 

 

3B

4C

5D

 

 

 

 

 

 

 

 

 

 

 

282

 

 

 

 

 

Lesson 3

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ex.2

1C

2A (=resources) 3C

 

4B

5D

6C

7A 8C

9B

10D

Ex. 5

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1. settlement services

2.a lender of last resort

 

 

 

3.to implement monetary policy

 

4.unilateral

5.sovereignty

 

6.to keep afloat

7.to settle debts

8.liabilities

9.spillover

 

10.insolvency

11.balance sheet

 

12.money aggregate

 

 

13.account

14.deposit

15.opportunity costs

16.standing facility

17.interest rate

18.discount rate

19.open-market operations

 

20.public sector securities

 

 

 

 

 

 

 

 

 

 

Ex.6

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1F

2K

3N

4E

5A

6D

7O

8B

9J

10P

11C

12Q

13L

14H

15S

16R

17M

18G

19I

 

 

 

 

 

Ex.7

1e

2c

3i

4k

5f

6a

7j

 

8b

9g

10l

 

 

 

Extra words: balance sheet, a lender of last resort

 

 

Ex.8 1e 2d 3f

4b

5g

6b,c

7a

 

 

 

 

 

 

 

Ex.9 Therefore, whereas, On the one hand, On the other hand, because, in contrast to, as, so that, However, so as (types of relationships – see Lesson 2 ex.8)

Ex.10

a)a setting interest rate ceilings and floors b printing money, or destroying it

c open-market operations

d exchange rate supervision

 

e commercial banking supervision

 

f act as a lender of last resort

b)

1b

2a

3e

4d

5f

6c

Ex. 12

1.

will

2. are going to 3. starts 4. will 5. will 6. will not

7. am going to buy

8. am buying 9. will buy 10. are going to raise

Ex.13

1. will implement 2. will be implementing 3. will have implemented

283

4. will have been implementing 5. will probably provide

6. will be providing 7. will have provided 8. will have been providing 9. Will you be working 10. will be requiring

Ex. 14

 

1a

2c

3b

4b

5c

6c

 

 

 

 

Ex. 16

 

1b

2d

3d

4c

5d

6c

 

 

 

 

Ex.17

1B

2B

3D

4A

 

5C

6A

7B

8C

9D

10A

Self-study Text 1 Ex.1

1C (All her courses” means courses done by Stoeva)

2A (other European universities” apart from Maastricht University) 3D (“a Korean professor” university academics”)

4E (“some studies had shown” “another study he cited found”)

5B (“that doesn’t mean native English speakers… have a natural advantage” “A German student … might have an advantage”)

Ex.2 1T

2F

3N

4T

5F

6F

7N

Ex.3

 

 

 

 

 

 

 

1.

high school

2.tuition fee 3.bachelor’s and master’s degrees

4.credit

5.(a Colombian) counterpart

6.university academics

7.the native tongue, first language

8.to take notes

9.native speaker

10.tutorial

 

 

 

 

Ex.4

 

 

 

 

 

 

 

1.

high school

2.higher education

3.tutorials 4.the tuition fee

5.native tongue

6.counterparts

7.credit 8.native speaker

9.university academics

10.master's degree/ bachelor’s degree

Ex.5 Suggested answers

1.a) to study maths,

b) to study maths in English.

2.a) students (who are prepared to move to another country to study), b) university academics (who are eager to see their work published in the most respected journals).

284

3. a) reading (as they do it much slower), b) listening to lectures (because they have trouble taking notes), c) speaking and participating in discussions.

4. a) are put in small groups for tutorials, b) practice listening to recorded lectures.

Text 2

 

 

 

 

 

 

 

 

 

 

Ex.6

1d

2b

3i

4h

5c

6e

7g

8j

9f

10a

Ex.7

1D

2C

3A

4B

 

 

 

 

 

 

Ex.8

 

 

 

 

 

 

 

 

 

 

1. altitude

2.font 3.to promote a brand

4.a full-page ad (in a newspaper) 5.slot 6.to cut it

7.principal

8.a legitimate strategy 9.a short-term spur

10.to run a campaign 11.to provide a longer promotional shelf life

12.by nature 13.any effort to stand out

14.the ethos (of separate

brands)

 

 

 

 

 

 

 

 

Ex.9

 

 

 

 

 

 

 

 

1. to sponsor/sponsorship 2.slot 3.prime time

4.live

5.profit 6.differentiation

7.advertising campaign

8.consumer goods

9.branding

10.to overlap

 

 

 

 

 

Text 3

 

 

 

 

 

 

 

 

Ex.10

A2

B4

C5

D1

E3

You don’t need heading #6

Ex.11

1T

2F

3F

4F

5N

6T

7T

 

Ex.12

 

 

 

 

 

 

 

 

1. poverty 2.benefits of financial services 3.credit scores

4.to pay bills 5.to withdraw cash from an automated teller machine

(ATM)

6.(account) holder

7.to write a cheque

8.overdraft

 

9.balance sheet

10.to disenfranchise customers without credit scores

11.to charge monthly fees 12.interest rate

13.to resist imposition of

fees 14.the disenfranchised

15.marginalized 16.affluent areas

Ex.13

1f

2i

3b

4d

5e

6h

7a

8k

9j

10g

11c

 

 

 

 

 

 

285

 

 

 

 

 

Unit 2

Lesson 1

Ex. 3 There is a digital divide between countries, social strata and even genders.

Ex. 4 1. T; 2. T; 3. F; 4. F; 5. T; 6. T.

Ex. 5 1. effort; 2. benefit; 3. access to; 4. varied widely; 5. breakthrough; 6. average; 7. gap; 8. quantify.

Ex. 6 1. access; 2. effort, 3.average; 4. quantify; 5. breakthrough; 6. gap; 7. benefit.

Ex. 7 1. average; 2. effort; 3. breakthrough; 4. benefit; 5. quantify; 6. gap; 7. access to.

Ex. 8 1. at; 2. to; 3. -; 4. with; 5. to; 6. with; 7. for.

Ex. 10 1. communication; 2. association; 3. dispersion; 4. benefit; 5. comparison; 6. distribution

Ex. 11

1.Yes, as it is a transitive verb.

2.The obsolete meaning (5).

3.divide, dispense, dole out, deal, ration

4.Dispense is connected to measurement.

5.a – disperse, b - classify

6.distribute help/ wagons/ works/ themselves

7.pronunciation, antonyms, collocations, related words,

Ex. 13 Divide (T), access (T), measure (T, I), participate (I), include (T), disperse (T, I), quantify (T), vary (T, I), direct (T, I), correct (T), compute (T, I), base (T), associate (T, I).

Ex. 14 1. I; 2. T; 3. T; 4. I; 5. T; 6. T; 7. T; 8. T. 286

Ex. 16 Ved (regular verbs): measure, associate, disperse, direct, communicate, compare, provide, apply; V3 (irregular forms): understand (understood), make (made), give (gave), undertake (undertook), overcome (overcame), lead (lead).

Ex. 17 1. is composed; 2. is associated with; 3. was directed by; 4. is often undertaken; 5. overcome; 6. provides.

Ex. 18

1.The Internet is associated with a spider web.

2.Each child was provided a personal computer due to the One Laptop Per Child initiative.

3.The initiative was undertaken to give children the opportunity to learn.

4.The access to technology in different countries was compared.

5.The algorithm was applied to different sets of data.

6.The misunderstanding was overcome.

Ex. 19 1. lead; 2. required; 3. used; 4. are used; 5. were taken; 6. are processed; 7. was used; 8. is also called; 9. was applied.

Ex. 20

1.Possible career paths for computer engineers are explored in this paper.

2.Large sets of data are processed.

3.Numerous concepts from the field were described by these scholars.

4.The necessary data was/ were extracted from the available databases.

5.Possible ways of bridging the digital divide in developing countries are outlined in this article.

Ex. 21

1.The microwave oven was invented by Percy Spencer by accident.

2.Graphite pencils were first manufactured/ already used in the 18th century.

287

3.Toothbrushes were already used in China 5000 years ago.

4.Ice cream was invented in the first century a.d.

5.World Wide Web was invented in 1980s.

6.Neptune was discovered after a mathematical prediction.

7.X-rays were discovered in Germany in 1895.

Ex. 22.

1.In this set the objects are ordered from largest to smallest.

2.First maps were disseminated throughout Europe during the fifteenth century.

3.Two methods are associated with the market approach: the guideline public company method, and the comparable transaction method.

4.The Quetelet indexwas first formally evaluated by epidemiologists working on data from a large cohort study.

5.Acidity is measured on the pH scale.

6.Often mathematics, as a discipline,is categorized in two general areas: theoretical mathematics and applied mathematics.

Ex. 23 1. c; 2. b; 3. a; 4. a; 5. d; 6. b; 7. d; 8. c; 9. c.

Ex. 24 7

Ex. 25

Step 1. you click on a webpage hyperlink or enter a URL Step 2. the browser sends the URL to a DNS server

Step 3. the DNS server finds the necessary IP address in a table Step 4. the IP address is sent back to the browser

Step 5. the browser sends a request to the Web server

Step 6. the Web server sends the requested webpage back to the browser computer

Step 7. packets arrive at the browser computer, combined to form the webpage and displayed in your browser

Lesson 2

Ex. 4 1. b; 2. c; 3. c; 4. b; 5. a.

288

Ex. 5 2. How; 3. Why.

Ex. 6 1. sophisticated; 2. predict the probability; 3. reach; 4. attempt; 5.extensive; 6. estimate; 7. at a tremendous rate; 8. to slightly adjust; 9. to meet this challenge; 10. legitimate.

Ex. 7 1. to meet the challenge; 2. estimate; 3. extensive; 4. at a tremendous rate; 5. sophisticated; 6. legitimate; 7. attempt.

Ex. 8 1. introduction (введение), receipt (получение), production (производство), suspect (подозреваемый), prediction (предсказание), occurrence (возникновение); 2. unsolicited (нежданный), underlying (лежащая в основе), unnoticed (незамеченный); 3. regularly (регулярно), fortunately (к счастью), statistically (статистически), frequently (часто), slightly (намного), constantly (постоянно).

Ex. 9 1. frequently; 2. slightly; 3. constantly, regularly; 4. Fortunately; 5.constantly, regularly; 6. Statistically.

Ex. 10 1. unsolicited e-mail; 2. the cost is negligible; 3. reach recipients; 4. via data analysis; 5. special characters; 6. training set; 7. performance will be assessed; 8. be updated frequently; 9. filter through unnoticed.

Ex. 11 1. The letter didn't eventually reach the recipient. 2. The equipment has to be frequently updated. 3. The new estimates have been received via data analysis.4. The training set can be used, because the cost is negligible. 5. Special characters distinguish junk mail.

Ex. 13 1. scarcity; 2. friendship; 3.happiness; 4. decision; 5.enjoyment; 6. existence.

289

Ex. 14 1. a. v, b. n; 2. a. v, b. n; 3. a. n, b. v; 4. a. n, b. v.

Ex. 15 1. a. object b. objected 2. a. survey b. surveyed 3. a. permit b. permit 4. a. suspect b. suspected 5. a. decrease b. decreasing

Ex. 16 1. transitive; 2. Origin; 3. Related; 4. Idioms; 5. synonyms; 6. antonyms; 7. collocations.

Ex. 17 1. vain/ fruitless/ futile/ unsuccessful; 2. Rescue; 3. abandon; 4. In.

Ex. 19 1. h; 2. b; 3. f; 4. g; 5. d; 6. b; 7. a; 8. e.

Ex. 20

1.The outdated hardware will be replaced with the new one.

2.This question has already been discussed.

3.I may be invited to give a speech at a conference this year.

4.The contract will be signed by both parties.

5.Our proposal was not accepted.

6.He has not been congratulated on passing the exam yet.

7.A meeting is being held at my office at the moment.

Ex. 21 1. is being developed; 2. has been used; 3. will be paid; 4. is being worked/ is worked; 5. will be organized; 6. has recently been proposed.

Ex. 22

1.Telephones have been improved over the years.

2.The notebook has been destroyed.

3.The computer has been infected by a virus.

Ex. 23 1. b; 2. c; 3. a; 4. b; 5. c; 6. d; 7. d.

Ex. 24 1. H; 2. D; 3. G; 4. C; 5. J; 6. F; 7. I; 8. B; 9. A; 10. E.

Ex. 25 1. E; 2. C; 3. A; 4. D; 5. F; 6. B.

290