Question 4:

Question 14.
a. Young adults who do not learn to budget early may face heavy debts and financial stress in their later lives.
b. Many banks offer easy-access credit cards and enticing loans targeted directly at college students and young workers.
c. Nowadays, managing personal finance is becoming increasingly difficult for the younger generation due to modern consumer culture.
d. As a result, many young people fall into the trap of overspending on non-essential lifestyle trends.
e. In addition, schools rarely teach practical money management, leaving students unprepared for real-world expenses like taxes and rent.

Question 15.
a. Huy: Yes, I did. I checked the forecast, and it's supposed to be clear and sunny all weekend.
b. Huy: That’s why we should pack our gear tonight and leave early tomorrow morning to beat the traffic.
c. Vy: Awesome. I’ve already prepared the tent and sleeping bags so we don't waste time.
d. Vy: Perfect. If we get there before noon, we can secure the best camping spot near the lake.
e. Vy: Did you check the weather report for our mountain trip this weekend yet?

Question 16.
a. Long: Have you decided whether you will major in Graphic Design or Computer Science next semester?
b. Long: That makes sense. Combining creative art with technology will definitely give you a huge advantage in the future market.
c. An: Yes, I have. I’ve chosen Graphic Design because I love digital art and want a career where I can express my creativity.

Question 17.
Dear Sir or Madam,
a. This causes massive disruptions for commuters who rely heavily on these trains to get to work or school on time.
b. I hope the transit authority will adjust the schedules or add more trains during rush hours to resolve this ongoing issue.
c. These delays often last more than thirty minutes, and the station platforms become dangerously overcrowded as a result.
d. Although the city boasts a modern railway network, the morning commute has become highly unreliable due to constant train delays.
e. I am writing to express my dissatisfaction regarding the recent poor service of the City Metro Line.
Yours faithfully,
John Smith

The word "superficiality" in paragraph 1 is opposite in meaning to ________.

According to the passage, which of the following is TRUE about Oscar Wilde’s approach to social critique?