A Overabundance of savings. B Fragile financial system. C Rising food price. D Overheated real estate market.

A generate higher interest rate B compete with the US C lower the risk of debt D guard against unstable economic times

A The countries' economy will be less dependent on each other. B Refugee capitals will be less likely to enter emerging market economies. C The US dollars will be forced to be more stable. D Imports and exports of merchandise across the globe will flourish.

A consumers are in pursuit of financial safety B consumers who use online banking face significant disruption C mobile payment in purchases has great potentials D personal data can be collected online for further analysis

A It lacks transparency in operation. B It can be unstable. C It can be used in a harmful or wrong way. D It may invade personal information.

A kids who seldom use devices later in the evening get enough sleep B sleep deprivation creates something of a vicious cycle C kids of 10- to 17-year-old tend to sleep less than smaller kids D adequate sleep is crucial to the development of kids

A they are forbidden to play activity they normally enjoy B they are disposed to feel negative emotions at this stage C their amygdalae do not respond as fast as they used to D their sleep pattern has not formed yet

A It releases certain hormones that help kids to sleep. B It guards body against inflammation and contagion. C It slows down the aging process on a cellular level. D It facilitates physical development of kids in sleep.

A kids are more sensitive to environmental changes B it's harder for people to learn new things C kids are not enthusiastic about learning D neuro cells need time to restore themselves

A the negative effects of sleep deprivation B the measures parents should take to make their kids sleep better C the emotional benefits of sufficient sleep D the ways to set up after-school routines for kids