<?xml version="1.0" encoding="utf-8"?>
<catalog>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/1.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="1" isaudiomp3="1" rationale="0" picture="images/question1.jpg" mp3="../MEDIA/1.mp3" exercise_type="" questionmode="" choicemode="" answerbankid="" answerbankmode="" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word="transaction##borrow##mortgage##cautiously##down payment##dividend##restricted##take out##balance##deduct##accept##signature"><![CDATA[Banks are not only places in which to save money or to (1) ###### your financial business, but also institutions from which people can (2) ###### money. Every day, people look to banks for loans, such as (3) ###### for new homes. A loan is essentially a contract that binds the lender to a schedule of payments, so both parties should be (4) ###### and not enter into the arrangement without thinking. Banks will look at such factors as how much people have saved towards a (5) ###### in determining whether to make a loan. Banks have different kinds of accounts. Some pay high quarterly (6)|dividends|. Some accounts even severely (7) ###### the number of times, if any, that you can access your account, or the amount of cash you can (8) ######. Today, electronic banking can be used to check the (9) ###### on an account, or to see if automatic (10) ###### have been made. This can all be done from your home or office computer. When you go to the bank, be sure to bring identification. Usually a bank will only (11) ###### a photo ID; a (12)|signature| is not a valid ID.]]></question>
		<saythis><![CDATA[Banks are not only places in which to save money or to (1) ###### your financial business, but also institutions from which people can (2) ###### money. Every day, people look to banks for loans, such as (3) ###### for new homes. A loan is essentially a contract that binds the lender to a schedule of payments, so both parties should be (4) ###### and not enter into the arrangement without thinking. Banks will look at such factors as how much people have saved towards a (5) ###### in determining whether to make a loan. Banks have different kinds of accounts. Some pay high quarterly (6)|dividends|. Some accounts even severely (7) ###### the number of times, if any, that you can access your account, or the amount of cash you can (8) ######. Today, electronic banking can be used to check the (9) ###### on an account, or to see if automatic (10) ###### have been made. This can all be done from your home or office computer. When you go to the bank, be sure to bring identification. Usually a bank will only (11) ###### a photo ID; a (12)|signature| is not a valid ID.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/1.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="transact"><![CDATA[transact]]></answer>
		<answer isaudiomp3="1" picture="images/c2.jpg" mp3="../MEDIA/1.2.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.2.jpg" rationale="Correct." value="1" choicesay="borrow"><![CDATA[borrow]]></answer>
		<answer isaudiomp3="1" picture="images/c3.jpg" mp3="../MEDIA/1.3.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.3.jpg" rationale="Correct." value="1" choicesay="mortgages"><![CDATA[mortgages]]></answer>
		<answer isaudiomp3="1" picture="images/c4.jpg" mp3="../MEDIA/1.4.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.4.jpg" rationale="Correct." value="1" choicesay="cautious"><![CDATA[cautious]]></answer>
		<answer isaudiomp3="1" picture="images/c5.jpg" mp3="../MEDIA/1.5.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.5.jpg" rationale="Correct." value="1" choicesay="down payment"><![CDATA[down payment]]></answer>
		<answer isaudiomp3="1" picture="images/c6.jpg" mp3="../MEDIA/1.6.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.6.jpg" rationale="Correct." value="1" choicesay="restrict"><![CDATA[restrict]]></answer>
		<answer isaudiomp3="1" picture="images/c7.jpg" mp3="../MEDIA/1.7.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.7.jpg" rationale="Correct." value="1" choicesay="take out"><![CDATA[take out]]></answer>
		<answer isaudiomp3="1" picture="images/c8.jpg" mp3="../MEDIA/1.8.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.8.jpg" rationale="Correct." value="1" choicesay="balance"><![CDATA[balance]]></answer>
		<answer isaudiomp3="1" picture="images/c9.jpg" mp3="../MEDIA/1.9.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.9.jpg" rationale="Correct." value="1" choicesay="deductions"><![CDATA[deductions]]></answer>
		<answer isaudiomp3="1" picture="images/c10.jpg" mp3="../MEDIA/1.10.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/1.10.jpg" rationale="Correct." value="1" choicesay="accept"><![CDATA[accept]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/2.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="2" isaudiomp3="1" rationale="0" picture="images/question2.jpg" mp3="../MEDIA/2.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Banks are not only places in which to save money or to transact your financial business, but also institutions from which people can borrow money.]]></question>
		<saythis><![CDATA[Banks are not only places in which to save money or to transact your financial business, but also institutions from which people can borrow money.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/2.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/2.1.jpg" rationale="Correct." value="1" choicesay="Banks are not only places in which to save money or to transact your financial business, but also institutions from which people can borrow money."><![CDATA[Banks are not only places in which to save money or to transact your financial business, but also institutions from which people can borrow money.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/3.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="3" isaudiomp3="1" rationale="0" picture="images/question3.jpg" mp3="../MEDIA/3.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Every day, people look to banks for loans, such as mortgages for new homes.]]></question>
		<saythis><![CDATA[Every day, people look to banks for loans, such as mortgages for new homes.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/3.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/3.1.jpg" rationale="Correct." value="1" choicesay="Every day, people look to banks for loans, such as mortgages for new homes."><![CDATA[Every day, people look to banks for loans, such as mortgages for new homes.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/4.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="4" isaudiomp3="1" rationale="0" picture="images/question4.jpg" mp3="../MEDIA/4.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[A loan is essentially a contract that binds the lender to a schedule of payments, so both parties should be cautious and not enter into the arrangement without thinking.]]></question>
		<saythis><![CDATA[A loan is essentially a contract that binds the lender to a schedule of payments, so both parties should be cautious and not enter into the arrangement without thinking.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/4.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/4.1.jpg" rationale="Correct." value="1" choicesay="A loan is essentially a contract that binds the lender to a schedule of payments, so both parties should be cautious and not enter into the arrangement without thinking."><![CDATA[A loan is essentially a contract that binds the lender to a schedule of payments, so both parties should be cautious and not enter into the arrangement without thinking.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/5.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="5" isaudiomp3="1" rationale="0" picture="images/question5.jpg" mp3="../MEDIA/5.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Banks will look at such factors as how much people have saved towards a down payment in determining whether to make a loan.]]></question>
		<saythis><![CDATA[Banks will look at such factors as how much people have saved towards a down payment in determining whether to make a loan.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/5.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/5.1.jpg" rationale="Correct." value="1" choicesay="Banks will look at such factors as how much people have saved towards a down payment in determining whether to make a loan."><![CDATA[Banks will look at such factors as how much people have saved towards a down payment in determining whether to make a loan.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/6.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="6" isaudiomp3="1" rationale="0" picture="images/question6.jpg" mp3="../MEDIA/6.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Banks have different kinds of accounts.]]></question>
		<saythis><![CDATA[Banks have different kinds of accounts.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/6.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/6.1.jpg" rationale="Correct." value="1" choicesay="Banks have different kinds of accounts."><![CDATA[Banks have different kinds of accounts.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/7.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="7" isaudiomp3="1" rationale="0" picture="images/question7.jpg" mp3="../MEDIA/7.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Some pay high quarterly dividends.]]></question>
		<saythis><![CDATA[Some pay high quarterly dividends.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/7.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/7.1.jpg" rationale="Correct." value="1" choicesay="Some pay high quarterly dividends."><![CDATA[Some pay high quarterly dividends.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/8.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="8" isaudiomp3="1" rationale="0" picture="images/question8.jpg" mp3="../MEDIA/8.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Some accounts even severely restrict the number of times, if any, that you can access your account, or the amount of cash you can take out.]]></question>
		<saythis><![CDATA[Some accounts even severely restrict the number of times, if any, that you can access your account, or the amount of cash you can take out.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/8.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/8.1.jpg" rationale="Correct." value="1" choicesay="Some accounts even severely restrict the number of times, if any, that you can access your account, or the amount of cash you can take out."><![CDATA[Some accounts even severely restrict the number of times, if any, that you can access your account, or the amount of cash you can take out.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/9.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="9" isaudiomp3="1" rationale="0" picture="images/question9.jpg" mp3="../MEDIA/9.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Today, electronic banking can be used to check the balance on an account, or to see if automatic deductions have been made.]]></question>
		<saythis><![CDATA[Today, electronic banking can be used to check the balance on an account, or to see if automatic deductions have been made.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/9.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/9.1.jpg" rationale="Correct." value="1" choicesay="Today, electronic banking can be used to check the balance on an account, or to see if automatic deductions have been made."><![CDATA[Today, electronic banking can be used to check the balance on an account, or to see if automatic deductions have been made.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/10.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="10" isaudiomp3="1" rationale="0" picture="images/question10.jpg" mp3="../MEDIA/10.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[This can all be done from your home or office computer.]]></question>
		<saythis><![CDATA[This can all be done from your home or office computer.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/10.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/10.1.jpg" rationale="Correct." value="1" choicesay="This can all be done from your home or office computer."><![CDATA[This can all be done from your home or office computer.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/11.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="11" isaudiomp3="1" rationale="0" picture="images/question11.jpg" mp3="../MEDIA/11.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[When you go to the bank, be sure to bring identification.]]></question>
		<saythis><![CDATA[When you go to the bank, be sure to bring identification.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/11.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/11.1.jpg" rationale="Correct." value="1" choicesay="When you go to the bank, be sure to bring identification."><![CDATA[When you go to the bank, be sure to bring identification.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="../MEDIA/12.0.mp3"><![CDATA[]]></phrase>
		<question grammarid="12" isaudiomp3="1" rationale="0" picture="images/question12.jpg" mp3="../MEDIA/12.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode="" word=""><![CDATA[Usually a bank will only accept a photo ID; a signature is not a valid ID.]]></question>
		<saythis><![CDATA[Usually a bank will only accept a photo ID; a signature is not a valid ID.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="../MEDIA/12.1.mp3" isrationalemp3="1" rationalemp3="../MEDIA/correct.mp3" rationaleimage="images/rationale/12.1.jpg" rationale="Correct." value="1" choicesay="Usually a bank will only accept a photo ID; a signature is not a valid ID."><![CDATA[Usually a bank will only accept a photo ID; a signature is not a valid ID.]]></answer>
	</question>
</catalog>