Отрицательная форма

I	Shall
You
Не
She
It	will	not open an account with the bank.
We
You
They

Вопросительная форма

Shall	I
	you
	he
	she
Will	it	open an account with the bank.
	we
	you
	they

Сокращения: ‘ll=will

won’t=will not

Оборот to be going to

Утвердительная форма

I	am
You	are
He She It	is	going to open an account with the bank
We You They	are

Отрицательная форма

I	am
You	are
He She It	is	not going to open an account with the bank
We You They	are

Вопросительная форма

Am	I
Are	you
Is	he she it	going to open an account with the bank?
Are	we you they

Сокращения: 'm=am

're=are aren't=are not

's=is isn't=is not

SECTION В

Vocabulary list

		to conduct financing — осуществлять финансирование
		to be profitable — быть прибыльным (рентабельным)
		to involve loss — повлечь за собой убытки
		to require new standards on the part of — требовать новых стандартов от кого-либо
		to achieve success — добиться успеха
		to extend loans — предоставлять займы (кредиты)
		to emulate an example — последовать примеру
		to share in smth — принимать участие в чем-либо
		to be long-term investments — являться долгосрочными инвестициями
		to gain profitability by volume — получать прибыль за счет объема сделок (услуг)
		to attain a threefold objective — достичь сразу три цели
		consumer business — предоставление услуг физическим лицам
		to sieze an opportunity to do smth — воспользоваться возможностью сделать что-либо
		to be a competitor — являться конкурентом
		to exceed commercial deposits — превысить вклады коммерческих компаний
		to improve efficiency — улучшить эффективность
		to honour smth — соблюдать что-либо
		to enhance fiscal strength — укрепить финансовый потенциал
		to advance the public good — способствовать удовлетворению общественных потребностей
		to reach agreement — достигнуть согласия
		to adjourn a meeting — отложить (перенести) заседание

1. Alex Vandervoort was the second to speak. He was not going to use a prepared text. "I am not going to take up much of your time. Most of you know me well, as a man and as a banker." Alex began. "You also know that as a banker I am tough. Proof of this exists in financing I've conducted for FMA, all of it profitable, none involving loss. Now I am going to state my beliefs. A belief of my own is that civilazation is changing quickly. What we are witnessing is a social revolution of conscience and behaviour. Some people do not like this revolution. But like it or not, it's here; it exists; it will not reverse itself or go away. The driving force behind what is happening is the determination of people to improve the quality of life, to stop pollution of our environment, to preserve what is left of resources of all kinds. It will require new standards on the part of industry and business. So that the name of the game is corporate social responsibility". Alex made a pause.

1. Was Alex Vandervoort going to use a prepared text?

2. Alex Vandervoort is going to take up much time, isn't he?

3. Will the social revolution of conscience and behaviour reverse itself?

4. What will the social revolution require?

2. Alex Vandervoort looked round the boardroom table to meet the eyes of each board member. "I am sure we will never achieve business success by ignoring change. We shall certainly profit by listening and adapting now. There are fourteen thousand banks in the United States with enormous fiscal power in extending loans. When the loans are to industry and business it involves responsibility on our part. If the loan is to a factory, will it pollute? When the loan is for the development of a new product, will it be safe? Major banks are beginning to ask these questions — an example which FMA will be wise to emulate. For just as leadership in any enterprise can produce strong dividends, so leadership in banking will prove rewarding, too. And it's better to do it freely, now."

1. The bank will never achieve business success by ignoring change, will it?

2. In what way will FMA profit?

3. What questions will FMA ask?

4. Will leadership in banking prove rewarding?

3. "In the next couple of minutes I am going to talk about other areas in which this bank should accept responsibility. I believe, with Ben Rosselli, that we should share in improving the life of this city and state. An immediate means is the financing of low-rental housing. Of course, I realize that housing mortgages are not a highly profit area. Yet there are ways to achieve that involvement with excellent profits, too. Traditionally, funds for home mortgages come from savings deposits because mortgages are long-term investments while savings are also stable and long-term. We shall gain profitability by volume. Thus we shall attain a threefold objective — profit, fiscal stability, and a major social contribution."

1. What is Alex going to talk about in the next couple of minutes?

2. What does he propose to do?

3. Will the bank gain profitability by volume?

4. The bank will attain a threefold objective, won't it?

4. Alex paused, took a step from the table, then returned." I am going to elaborate on this point a bit more. Only a few years ago large commercial banks like ourselves ignored consumer business including small savings. Savings and loan associations seized the opportunity, so now they are a main competitor. I believe, that within a decade consumer business will exceed commercial deposits everywhere. It will become the major money force. In view of the fact I am going to advise to open nine new branches in suburban areas through the state, reorganize FMA's structure to improve our efficiency. In the end I am going to say the following: Of course, industrial loans and commercial business will remain pillars of our activity, but not the only pillars. The founder of this bank established it to serve those of modest means. A massive and immediate growth in small savings will honour those origins, enhance our fiscal strength and — in the climate of the times — advance the public good, which is our own." The Board members applauded as Alex sat down.

1. What point is Alex Vandervoort going to elaborate on?

2. Will consumer business exceed commercial deposits within a decade?

3. Alex Vandervoort is going to advise to open eight new branches, isn't he?

4. What will remain pillars of the bank's activity?

5. The questioning occupied another half hour after which Roscoe Heyward and Alex Vandervoort left the board room together. The directors debated through the morning but did not reach agreement. The outcome of the meeting was not clear when Jerome Patterton received information about Ben Rosselli's death and adjourned the meeting.

1. How long did the questioning occupy?

2. Did Alex Vandervoort and Roscoe Heyward stay in the board room?

3. The directors reached agreement, didn't they?

4. Why did Herome Patterton adjourn the meeting?