O’zbekiston respublikasi оliy va o’rta maxsus ta’lim vazirligi тоshkent moliya instuti

Task 3. Reading: Answer the following questions according to the text.
Elizabeth parked the car and then went into the busy station to meet Jane who was going to spend the weekend with her. Elizabeth’s friends often came for the weekend, but there was something a little different about Jane’s visit. She and Jane hadn’t seen each other for 15 years. While at the university, they had shared a flat together for 2 years but then each had married and Jane and her husband had lived abroad a great deal. Elizabeth began to ask herself. ‘Will we even be able to recognize each other after all these years?” Right then she saw Jane walking towards her and smiling straight at her with the old unforgettable smile quite unchanged.
40. The first thing Elizabeth noticed about Jane when they met at thestation was _____.
A) that she had become quite old.
B) how well she was looking.
C) that she had not forgotten how to smile.
D) her smile which had not changed.
E) that she had already been married.
41. Elizabeth’s friendship with Jane _____.
A) went back to their university years.
B) lasted only for two years when they were at the university.
C) ended soon after they had each married.
D) has always been envied by all their friends.
E) found its best expression in their weekend visits to each other.
42. Elizabeth is worried _____.
A) because Jane’s husband may have changed a great deal after all these years.
B) in case she won’t be able to find a place to park the car.
C) about Jane and her husband who are going to live abroad.
D) in case Jane will change her mind about coming for the weekend.
E) in case after a separation of so many years they may both fail to
recognize each other

Task 4.Writing: Translate the given text into your native language

DISADVANTAGES OF CREDIT
In using credit, you would be wise to know the disadvantages as well. There is a cost or charge for credit. This cost of credit is charged for the use of goods or services while they are still being paid for. The finance charge certainly increases the total amount paid for the item. For instance, a television set may cost $250 if you purchase it for cash. Purchased on credit , with payments spread over three years, for example, the cost might increase to $350. The cost of credit is $100.
Another disadvantage of using credit is that you may buy more than you can afford. For some people, easy credit provides too much of a temptation to buy things that are not really needed and cannot be paid for. In such a situation, a person may not be able to keep up with the credit payments. Missed or late payments may result in a poor credit rating. A person’s credit rating is his or her reputation for making payments on time.
Another disadvantage results from getting too much credit. Consumers who buy on credit and then cannot make all of their payments create costs for creditors. Because creditors must collect what is owed, there are extra costs for billing, recordkeeping and other office work. These costs are passed on to other customers in the form of higher prices for goods and services.