<?xml version="1.0"?>
<catalog>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[When you travel, it is always a good idea to take some _____ , such as coins and bills, with you:]]></question>
    <saythis><![CDATA[cash]]></saythis>
    <answer rationale="Right." value="1" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[preferably a _____ like US dollars or British pounds.]]></question>
    <saythis><![CDATA[hard currency]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Right." value="1" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[A lot of places will refuse to change _____ from countries with weak economies.]]></question>
    <saythis><![CDATA[soft currencies]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Right." value="1" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[The US dollar is _____ at the moment, so when American travelers go to Asia, their dollar will buy more of the local currency.]]></question>
    <saythis><![CDATA[strong]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Right." value="1" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[When it is _____, they will get less local currency for their dollars.]]></question>
    <saythis><![CDATA[weak]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Right." value="1" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[You can change _____ at any bank]]></question>
    <saythis><![CDATA[traveler's checks]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Right." value="1" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[or _____ in the city,]]></question>
    <saythis><![CDATA[currency exchange]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Right." value="1" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[but check the _____ they are offering you first,]]></question>
    <saythis><![CDATA[exchange rate]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Right." value="1" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[and also check how much _____ you will be charged]]></question>
    <saythis><![CDATA[commission]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Right." value="1" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[as this can be as high as $10, or 8% of your total _____, in some places.]]></question>
    <saythis><![CDATA[transaction]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Right." value="1" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[If you are using an ATM abroad to withdraw money, it is better to use a _____ , where money is taken directly from your bank account,]]></question>
    <saythis><![CDATA[debit card]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Right." value="1" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[rather than get an _____]]></question>
    <saythis><![CDATA[advance]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Right." value="1" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[on a _____ , such as American Express, Visa or Mastercard,]]></question>
    <saythis><![CDATA[credit card]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Right." value="1" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
  <question>
    <phrase isaudiomp3="0" mp3=""/>
    <question><![CDATA[as you don't have to pay _____ to the card company.]]></question>
    <saythis><![CDATA[interest]]></saythis>
    <answer rationale="Try again." value="0" choicesay="cash"><![CDATA[cash]]></answer>
    <answer rationale="Try again." value="0" choicesay="hard currency"><![CDATA[hard currency]]></answer>
    <answer rationale="Try again." value="0" choicesay="soft currencies"><![CDATA[soft currencies]]></answer>
    <answer rationale="Try again." value="0" choicesay="strong"><![CDATA[strong]]></answer>
    <answer rationale="Try again." value="0" choicesay="weak"><![CDATA[weak]]></answer>
    <answer rationale="Try again." value="0" choicesay="traveler's checks"><![CDATA[traveler's checks]]></answer>
    <answer rationale="Try again." value="0" choicesay="currency exchange"><![CDATA[currency exchange]]></answer>
    <answer rationale="Try again." value="0" choicesay="exchange rate"><![CDATA[exchange rate]]></answer>
    <answer rationale="Try again." value="0" choicesay="commission"><![CDATA[commission]]></answer>
    <answer rationale="Try again." value="0" choicesay="transaction"><![CDATA[transaction]]></answer>
    <answer rationale="Try again." value="0" choicesay="debit card"><![CDATA[debit card]]></answer>
    <answer rationale="Try again." value="0" choicesay="advance"><![CDATA[advance]]></answer>
    <answer rationale="Try again." value="0" choicesay="credit card"><![CDATA[credit card]]></answer>
    <answer rationale="Right." value="1" choicesay="interest"><![CDATA[interest]]></answer>
  </question>
</catalog>
