Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 36 to 42

It is estimated that by 2050 more than two-thirds of the world's population will live in cities, up from about 54 percent today. While the many benefits of organized and efficient cities are well understood, we need to recognize that this rapid, often unplanned urbanization brings risks of profound social instability, risks to critical infrastructure, potential water crises and the potential for devastating spread of disease. These risks can only be further exacerbated as this unprecedented transition from rural to urban areas continues.

 How effectively these risks can be addressed will increasingly be determined by how well cities are governed. The increased concentration of people, physical assets, infrastructure and economic activities mean that the risks materializing at the city level will have far greater potential to disrupt society than ever before.

 Urbanization is by no means bad by itself. It brings important benefits for economic, cultural and societal development. Well managed cities are both efficient and effective, enabling economies of scale and network effects while reducing the impact on the climate of transportation. As such, an urban model can make economic activity more environmentally-friendly. Further, the proximity and diversity of people can spark innovation and create employment as exchanging ideas breeds new ideas.

 But these utopian concepts are threatened by some of the factors driving rapid urbanization. For example, one of the main factors is rural-urban migration, driven by the prospect of greater employment opportunities and the hope of a better life in cities. But rapidly increasing population density can create severe problems, especially if planning efforts are not sufficient to cope with the influx of new inhabitants. The result may, in extreme cases, be widespread poverty. Estimates suggest that 40% of the world's urban expansion is taking place in slums, exacerbating socio-economic disparities and creating unsanitary conditions that facilitate the spread of disease.

 The Global Risks 2015 Report looks at four areas that face particularly daunting challenges in the face of rapid and unplanned urbanization: infrastructure, health, climate change, and social instability. In each of these areas we find new risks that can best be managed or, in some cases, transferred through the mechanism of insurance.

The word “that" in paragraph 4 refers to __________

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 31 to 35.

Just as you designate and separate your physical workspace, you should be clear about when you’re working and when you’re not. You’ll get your best work done and be most ready to transition back to the office if you stick with your regular hours. Plus, if your role is collaborative, being on the same schedule as your coworkers makes everything much easier.

“The biggest difference between working from home and working in the office is that you are in charge of your environment and have to treat yourself like an employee,” Yurovsky says. This means holding yourself accountable, but also recognizing when enough is enough, just as a good manager might. “If you feel yourself extending your work hours because you are not doing anything in the evening...tell yourself it’s time to put work away, recharge, and start tomorrow with a fresh mind. The work will be there in the morning.”

If you live with other people, this separation is even more critical. Communicate with the people whom you live with to establish boundaries so you can cut down on distractions during the workday—and then disconnect and give the people you care about your full attention. Having a separate time and space to work will allow you to be more present in your home life.

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 31 to 35.

Just as you designate and separate your physical workspace, you should be clear about when you’re working and when you’re not. You’ll get your best work done and be most ready to transition back to the office if you stick with your regular hours. Plus, if your role is collaborative, being on the same schedule as your coworkers makes everything much easier.

“The biggest difference between working from home and working in the office is that you are in charge of your environment and have to treat yourself like an employee,” Yurovsky says. This means holding yourself accountable, but also recognizing when enough is enough, just as a good manager might. “If you feel yourself extending your work hours because you are not doing anything in the evening...tell yourself it’s time to put work away, recharge, and start tomorrow with a fresh mind. The work will be there in the morning.”

If you live with other people, this separation is even more critical. Communicate with the people whom you live with to establish boundaries so you can cut down on distractions during the workday—and then disconnect and give the people you care about your full attention. Having a separate time and space to work will allow you to be more present in your home life.

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 31 to 35.

Just as you designate and separate your physical workspace, you should be clear about when you’re working and when you’re not. You’ll get your best work done and be most ready to transition back to the office if you stick with your regular hours. Plus, if your role is collaborative, being on the same schedule as your coworkers makes everything much easier.

“The biggest difference between working from home and working in the office is that you are in charge of your environment and have to treat yourself like an employee,” Yurovsky says. This means holding yourself accountable, but also recognizing when enough is enough, just as a good manager might. “If you feel yourself extending your work hours because you are not doing anything in the evening...tell yourself it’s time to put work away, recharge, and start tomorrow with a fresh mind. The work will be there in the morning.”

If you live with other people, this separation is even more critical. Communicate with the people whom you live with to establish boundaries so you can cut down on distractions during the workday—and then disconnect and give the people you care about your full attention. Having a separate time and space to work will allow you to be more present in your home life.

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 31 to 35.

Just as you designate and separate your physical workspace, you should be clear about when you’re working and when you’re not. You’ll get your best work done and be most ready to transition back to the office if you stick with your regular hours. Plus, if your role is collaborative, being on the same schedule as your coworkers makes everything much easier.

“The biggest difference between working from home and working in the office is that you are in charge of your environment and have to treat yourself like an employee,” Yurovsky says. This means holding yourself accountable, but also recognizing when enough is enough, just as a good manager might. “If you feel yourself extending your work hours because you are not doing anything in the evening...tell yourself it’s time to put work away, recharge, and start tomorrow with a fresh mind. The work will be there in the morning.”

If you live with other people, this separation is even more critical. Communicate with the people whom you live with to establish boundaries so you can cut down on distractions during the workday—and then disconnect and give the people you care about your full attention. Having a separate time and space to work will allow you to be more present in your home life.

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 31 to 35.

Just as you designate and separate your physical workspace, you should be clear about when you’re working and when you’re not. You’ll get your best work done and be most ready to transition back to the office if you stick with your regular hours. Plus, if your role is collaborative, being on the same schedule as your coworkers makes everything much easier.

“The biggest difference between working from home and working in the office is that you are in charge of your environment and have to treat yourself like an employee,” Yurovsky says. This means holding yourself accountable, but also recognizing when enough is enough, just as a good manager might. “If you feel yourself extending your work hours because you are not doing anything in the evening...tell yourself it’s time to put work away, recharge, and start tomorrow with a fresh mind. The work will be there in the morning.”

If you live with other people, this separation is even more critical. Communicate with the people whom you live with to establish boundaries so you can cut down on distractions during the workday—and then disconnect and give the people you care about your full attention. Having a separate time and space to work will allow you to be more present in your home life.

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks.

Sir Isaac Newton, the English scientist and mathematician, was one of the most important figures of the 17th century scientific revolution. One of his greatest achievement was the discovery of the three laws of motion, (26) ______ are still used today. But he also had a very unusual personality. Some people would say he was actually insane.

His father died before he was born, and his mother soon remarried. The young Isaac hated his stepfather so much that he once (27) _____ to burn his house down - when his stepfather and mother were still inside! Fortunately he did not, and he went on to graduate from Cambridge without being thrown into prison.

Isaac's first published work was a theory of light and color. When another scientist wrote a paper criticizing this theory, Isaac flew into an uncontrollable rage. The scientist (28) ______ for the criticism was a man called Robert Hooke. He was head of the Royal Society, and one of the most respected scientists in the country. (29)_______, this made no difference to Isaac, who refused to speak to him for over a year.

The simple fact was that Isaac found it impossible to have a calm discussion with anyone. As soon as someone said something that he disagreed with, he would lose his temper. For this reason he lived a large part of his life isolated from (30) ______ scientists. It is unlikely that many of them complained.

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks.

Sir Isaac Newton, the English scientist and mathematician, was one of the most important figures of the 17th century scientific revolution. One of his greatest achievement was the discovery of the three laws of motion, (26) ______ are still used today. But he also had a very unusual personality. Some people would say he was actually insane.

His father died before he was born, and his mother soon remarried. The young Isaac hated his stepfather so much that he once (27) _____ to burn his house down - when his stepfather and mother were still inside! Fortunately he did not, and he went on to graduate from Cambridge without being thrown into prison.

Isaac's first published work was a theory of light and color. When another scientist wrote a paper criticizing this theory, Isaac flew into an uncontrollable rage. The scientist (28) ______ for the criticism was a man called Robert Hooke. He was head of the Royal Society, and one of the most respected scientists in the country. (29)_______, this made no difference to Isaac, who refused to speak to him for over a year.

The simple fact was that Isaac found it impossible to have a calm discussion with anyone. As soon as someone said something that he disagreed with, he would lose his temper. For this reason he lived a large part of his life isolated from (30) ______ scientists. It is unlikely that many of them complained.

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks.

Sir Isaac Newton, the English scientist and mathematician, was one of the most important figures of the 17th century scientific revolution. One of his greatest achievement was the discovery of the three laws of motion, (26) ______ are still used today. But he also had a very unusual personality. Some people would say he was actually insane.

His father died before he was born, and his mother soon remarried. The young Isaac hated his stepfather so much that he once (27) _____ to burn his house down - when his stepfather and mother were still inside! Fortunately he did not, and he went on to graduate from Cambridge without being thrown into prison.

Isaac's first published work was a theory of light and color. When another scientist wrote a paper criticizing this theory, Isaac flew into an uncontrollable rage. The scientist (28) ______ for the criticism was a man called Robert Hooke. He was head of the Royal Society, and one of the most respected scientists in the country. (29)_______, this made no difference to Isaac, who refused to speak to him for over a year.

The simple fact was that Isaac found it impossible to have a calm discussion with anyone. As soon as someone said something that he disagreed with, he would lose his temper. For this reason he lived a large part of his life isolated from (30) ______ scientists. It is unlikely that many of them complained.

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks.

Sir Isaac Newton, the English scientist and mathematician, was one of the most important figures of the 17th century scientific revolution. One of his greatest achievement was the discovery of the three laws of motion, (26) ______ are still used today. But he also had a very unusual personality. Some people would say he was actually insane.

His father died before he was born, and his mother soon remarried. The young Isaac hated his stepfather so much that he once (27) _____ to burn his house down - when his stepfather and mother were still inside! Fortunately he did not, and he went on to graduate from Cambridge without being thrown into prison.

Isaac's first published work was a theory of light and color. When another scientist wrote a paper criticizing this theory, Isaac flew into an uncontrollable rage. The scientist (28) ______ for the criticism was a man called Robert Hooke. He was head of the Royal Society, and one of the most respected scientists in the country. (29)_______, this made no difference to Isaac, who refused to speak to him for over a year.

The simple fact was that Isaac found it impossible to have a calm discussion with anyone. As soon as someone said something that he disagreed with, he would lose his temper. For this reason he lived a large part of his life isolated from (30) ______ scientists. It is unlikely that many of them complained.

Read the following passage and mark the letter A, B, C, or D to indicate the correct word or phrase that best fits each of the numbered blanks.

Sir Isaac Newton, the English scientist and mathematician, was one of the most important figures of the 17th century scientific revolution. One of his greatest achievement was the discovery of the three laws of motion, (26) ______ are still used today. But he also had a very unusual personality. Some people would say he was actually insane.

His father died before he was born, and his mother soon remarried. The young Isaac hated his stepfather so much that he once (27) _____ to burn his house down - when his stepfather and mother were still inside! Fortunately he did not, and he went on to graduate from Cambridge without being thrown into prison.

Isaac's first published work was a theory of light and color. When another scientist wrote a paper criticizing this theory, Isaac flew into an uncontrollable rage. The scientist (28) ______ for the criticism was a man called Robert Hooke. He was head of the Royal Society, and one of the most respected scientists in the country. (29)_______, this made no difference to Isaac, who refused to speak to him for over a year.

The simple fact was that Isaac found it impossible to have a calm discussion with anyone. As soon as someone said something that he disagreed with, he would lose his temper. For this reason he lived a large part of his life isolated from (30) ______ scientists. It is unlikely that many of them complained.