SMART SAVERS PROJECT

The Business Club is officially introducing the "Smart Savers" financial literacy project this semester. We encourage every student to get involved in this practical program. If each person (1)___ a realistic budget, we will see incredible financial growth across our student body.

The primary objective is to develop students’ (2)___ of personal finance management. To assist with this, the school will have free budgeting planners (3)___ at the main library desk. In addition, interactive workshops will be organized to teach students how to (4)___ out their monthly expenses wisely. These sessions ensure personal funds are managed intelligently.

We aim to (5)___ responsible spending habits through small, daily decisions. We firmly believe that minor adjustments today will turn into lifelong financial security.

Student mentors will be available to help design savings plans during lunch breaks. Your regular (6)___ is vital to the success of this initiative. Don't miss out – start building your future today!

Skipping breakfast is a common habit, often justified by modern fitness trends or speculative theories about hunter-gatherer ancestors. However, current evidence refutes the idea that skipping this meal is harmless. While the typical American breakfast—heavily reliant on processed flour, fat, and sugar—is unhealthy, avoiding the meal entirely is not the solution. Many adults resist incorporating more nutritious options into their morning routines, keeping sugary cereals and drive-through donuts highly popular.
Surprisingly, morning sugar intake serves a crucial physiological purpose. The brain relies heavily on glucose to produce energy, which is heavily depleted during early morning dreaming. Consequently, studies show that consuming morning carbohydrates temporarily boosts memory and cognitive function. Conversely, (12)________. While a sugary beverage or high-glycemic cereal can reverse this temporary memory decline, (13)________.
An unhealthy breakfast, or skipping the meal altogether, correlates with abdominal obesity, a higher body mass index, and poor mental health indicators. Furthermore, meal timing dictates biological rhythms. Research shows that (14)________ leads to greater weight loss, reduced waist circumference, and improved blood glucose levels. Transitioning away from the typical pattern of skipping breakfast and overeating at night reduces hunger and prevents weight gain. Ultimately, (15)________ supporting a classic approach to daily nutrition. (16)________.

Skipping breakfast is a common habit, often justified by modern fitness trends or speculative theories about hunter-gatherer ancestors. However, current evidence refutes the idea that skipping this meal is harmless. While the typical American breakfast—heavily reliant on processed flour, fat, and sugar—is unhealthy, avoiding the meal entirely is not the solution. Many adults resist incorporating more nutritious options into their morning routines, keeping sugary cereals and drive-through donuts highly popular.
Surprisingly, morning sugar intake serves a crucial physiological purpose. The brain relies heavily on glucose to produce energy, which is heavily depleted during early morning dreaming. Consequently, studies show that consuming morning carbohydrates temporarily boosts memory and cognitive function. Conversely, (12)________. While a sugary beverage or high-glycemic cereal can reverse this temporary memory decline, (13)________.
An unhealthy breakfast, or skipping the meal altogether, correlates with abdominal obesity, a higher body mass index, and poor mental health indicators. Furthermore, meal timing dictates biological rhythms. Research shows that (14)________ leads to greater weight loss, reduced waist circumference, and improved blood glucose levels. Transitioning away from the typical pattern of skipping breakfast and overeating at night reduces hunger and prevents weight gain. Ultimately, (15)________ supporting a classic approach to daily nutrition. (16)________.

Skipping breakfast is a common habit, often justified by modern fitness trends or speculative theories about hunter-gatherer ancestors. However, current evidence refutes the idea that skipping this meal is harmless. While the typical American breakfast—heavily reliant on processed flour, fat, and sugar—is unhealthy, avoiding the meal entirely is not the solution. Many adults resist incorporating more nutritious options into their morning routines, keeping sugary cereals and drive-through donuts highly popular.
Surprisingly, morning sugar intake serves a crucial physiological purpose. The brain relies heavily on glucose to produce energy, which is heavily depleted during early morning dreaming. Consequently, studies show that consuming morning carbohydrates temporarily boosts memory and cognitive function. Conversely, (12)________. While a sugary beverage or high-glycemic cereal can reverse this temporary memory decline, (13)________.
An unhealthy breakfast, or skipping the meal altogether, correlates with abdominal obesity, a higher body mass index, and poor mental health indicators. Furthermore, meal timing dictates biological rhythms. Research shows that (14)________ leads to greater weight loss, reduced waist circumference, and improved blood glucose levels. Transitioning away from the typical pattern of skipping breakfast and overeating at night reduces hunger and prevents weight gain. Ultimately, (15)________ supporting a classic approach to daily nutrition. (16)________.

Skipping breakfast is a common habit, often justified by modern fitness trends or speculative theories about hunter-gatherer ancestors. However, current evidence refutes the idea that skipping this meal is harmless. While the typical American breakfast—heavily reliant on processed flour, fat, and sugar—is unhealthy, avoiding the meal entirely is not the solution. Many adults resist incorporating more nutritious options into their morning routines, keeping sugary cereals and drive-through donuts highly popular.
Surprisingly, morning sugar intake serves a crucial physiological purpose. The brain relies heavily on glucose to produce energy, which is heavily depleted during early morning dreaming. Consequently, studies show that consuming morning carbohydrates temporarily boosts memory and cognitive function. Conversely, (12)________. While a sugary beverage or high-glycemic cereal can reverse this temporary memory decline, (13)________.
An unhealthy breakfast, or skipping the meal altogether, correlates with abdominal obesity, a higher body mass index, and poor mental health indicators. Furthermore, meal timing dictates biological rhythms. Research shows that (14)________ leads to greater weight loss, reduced waist circumference, and improved blood glucose levels. Transitioning away from the typical pattern of skipping breakfast and overeating at night reduces hunger and prevents weight gain. Ultimately, (15)________ supporting a classic approach to daily nutrition. (16)________.

The earliest European zoos in the 19th century were grim places where animals were kept in iron cages. Over time, outright cruelty gave way to a more hidden variety, including cramped enclosures and poor diet. However, this has slowly begun to change. Jersey Zoo, opened in 1959 by Gerald Durrell, focused on the conservation of endangered species rather than just displaying animals. Set in 32 acres, it has spacious, natural enclosures and breeds at-risk species to reintroduce them to the wild.
According to Jersey Zoo director Mark Habben, a zoo's ethics depend on three priorities: a clear conservation focus, a clear research focus, and defined welfare goals. These are also embraced by Chester Zoo, one of the UK's largest. In 2025, it attracted nearly 2.14 million visitors, proving the success of its welfare-centric approach. Its projects protect wild species like the giant pangolin and the eastern bongo, while its breeding programme has successfully yielded chicks of the Socorro dove, which became extinct in the wild in the 1970s.
These "insurance populations" have become vital in our age of rampant poaching and habitat loss. For example, the Arabian oryx was pushed to extinction in the wild in the early 1970s. Yet today, following successful captive breeding programmes by global zoos, thousands live in the wild, and the species is now classified only as "vulnerable". Similarly, the California condor population was boosted from just 22 birds in 1982 to several hundred today.
Animal ethicist Samantha Ward notes that the wild is no longer a safe place where animals roam freely. She works with modern zoos to ensure creatures have the environment and mental stimuli to thrive. In Europe and the UK, stringent regulations govern housing and veterinary care. For visitors traveling abroad, Ward suggests looking for accreditation from international bodies like WAZA to ensure high animal welfare standards.
With 700 million annual zoo visitors worldwide, these institutions are highly valuable for education. A study found that departing visitors felt more positive about conservation and were more likely to take action, such as supporting wildlife charities. Zak Showell, director of Shaldon Wildlife Trust, understands why some people hesitate to visit zoos, but emphasizes that modern standards are very high. Progressive zoos constantly develop their spaces and fund wild preservation, making them well worth defending.

The earliest European zoos in the 19th century were grim places where animals were kept in iron cages. Over time, outright cruelty gave way to a more hidden variety, including cramped enclosures and poor diet. However, this has slowly begun to change. Jersey Zoo, opened in 1959 by Gerald Durrell, focused on the conservation of endangered species rather than just displaying animals. Set in 32 acres, it has spacious, natural enclosures and breeds at-risk species to reintroduce them to the wild.
According to Jersey Zoo director Mark Habben, a zoo's ethics depend on three priorities: a clear conservation focus, a clear research focus, and defined welfare goals. These are also embraced by Chester Zoo, one of the UK's largest. In 2025, it attracted nearly 2.14 million visitors, proving the success of its welfare-centric approach. Its projects protect wild species like the giant pangolin and the eastern bongo, while its breeding programme has successfully yielded chicks of the Socorro dove, which became extinct in the wild in the 1970s.
These "insurance populations" have become vital in our age of rampant poaching and habitat loss. For example, the Arabian oryx was pushed to extinction in the wild in the early 1970s. Yet today, following successful captive breeding programmes by global zoos, thousands live in the wild, and the species is now classified only as "vulnerable". Similarly, the California condor population was boosted from just 22 birds in 1982 to several hundred today.
Animal ethicist Samantha Ward notes that the wild is no longer a safe place where animals roam freely. She works with modern zoos to ensure creatures have the environment and mental stimuli to thrive. In Europe and the UK, stringent regulations govern housing and veterinary care. For visitors traveling abroad, Ward suggests looking for accreditation from international bodies like WAZA to ensure high animal welfare standards.
With 700 million annual zoo visitors worldwide, these institutions are highly valuable for education. A study found that departing visitors felt more positive about conservation and were more likely to take action, such as supporting wildlife charities. Zak Showell, director of Shaldon Wildlife Trust, understands why some people hesitate to visit zoos, but emphasizes that modern standards are very high. Progressive zoos constantly develop their spaces and fund wild preservation, making them well worth defending.

The earliest European zoos in the 19th century were grim places where animals were kept in iron cages. Over time, outright cruelty gave way to a more hidden variety, including cramped enclosures and poor diet. However, this has slowly begun to change. Jersey Zoo, opened in 1959 by Gerald Durrell, focused on the conservation of endangered species rather than just displaying animals. Set in 32 acres, it has spacious, natural enclosures and breeds at-risk species to reintroduce them to the wild.
According to Jersey Zoo director Mark Habben, a zoo's ethics depend on three priorities: a clear conservation focus, a clear research focus, and defined welfare goals. These are also embraced by Chester Zoo, one of the UK's largest. In 2025, it attracted nearly 2.14 million visitors, proving the success of its welfare-centric approach. Its projects protect wild species like the giant pangolin and the eastern bongo, while its breeding programme has successfully yielded chicks of the Socorro dove, which became extinct in the wild in the 1970s.
These "insurance populations" have become vital in our age of rampant poaching and habitat loss. For example, the Arabian oryx was pushed to extinction in the wild in the early 1970s. Yet today, following successful captive breeding programmes by global zoos, thousands live in the wild, and the species is now classified only as "vulnerable". Similarly, the California condor population was boosted from just 22 birds in 1982 to several hundred today.
Animal ethicist Samantha Ward notes that the wild is no longer a safe place where animals roam freely. She works with modern zoos to ensure creatures have the environment and mental stimuli to thrive. In Europe and the UK, stringent regulations govern housing and veterinary care. For visitors traveling abroad, Ward suggests looking for accreditation from international bodies like WAZA to ensure high animal welfare standards.
With 700 million annual zoo visitors worldwide, these institutions are highly valuable for education. A study found that departing visitors felt more positive about conservation and were more likely to take action, such as supporting wildlife charities. Zak Showell, director of Shaldon Wildlife Trust, understands why some people hesitate to visit zoos, but emphasizes that modern standards are very high. Progressive zoos constantly develop their spaces and fund wild preservation, making them well worth defending.

The earliest European zoos in the 19th century were grim places where animals were kept in iron cages. Over time, outright cruelty gave way to a more hidden variety, including cramped enclosures and poor diet. However, this has slowly begun to change. Jersey Zoo, opened in 1959 by Gerald Durrell, focused on the conservation of endangered species rather than just displaying animals. Set in 32 acres, it has spacious, natural enclosures and breeds at-risk species to reintroduce them to the wild.
According to Jersey Zoo director Mark Habben, a zoo's ethics depend on three priorities: a clear conservation focus, a clear research focus, and defined welfare goals. These are also embraced by Chester Zoo, one of the UK's largest. In 2025, it attracted nearly 2.14 million visitors, proving the success of its welfare-centric approach. Its projects protect wild species like the giant pangolin and the eastern bongo, while its breeding programme has successfully yielded chicks of the Socorro dove, which became extinct in the wild in the 1970s.
These "insurance populations" have become vital in our age of rampant poaching and habitat loss. For example, the Arabian oryx was pushed to extinction in the wild in the early 1970s. Yet today, following successful captive breeding programmes by global zoos, thousands live in the wild, and the species is now classified only as "vulnerable". Similarly, the California condor population was boosted from just 22 birds in 1982 to several hundred today.
Animal ethicist Samantha Ward notes that the wild is no longer a safe place where animals roam freely. She works with modern zoos to ensure creatures have the environment and mental stimuli to thrive. In Europe and the UK, stringent regulations govern housing and veterinary care. For visitors traveling abroad, Ward suggests looking for accreditation from international bodies like WAZA to ensure high animal welfare standards.
With 700 million annual zoo visitors worldwide, these institutions are highly valuable for education. A study found that departing visitors felt more positive about conservation and were more likely to take action, such as supporting wildlife charities. Zak Showell, director of Shaldon Wildlife Trust, understands why some people hesitate to visit zoos, but emphasizes that modern standards are very high. Progressive zoos constantly develop their spaces and fund wild preservation, making them well worth defending.

The earliest European zoos in the 19th century were grim places where animals were kept in iron cages. Over time, outright cruelty gave way to a more hidden variety, including cramped enclosures and poor diet. However, this has slowly begun to change. Jersey Zoo, opened in 1959 by Gerald Durrell, focused on the conservation of endangered species rather than just displaying animals. Set in 32 acres, it has spacious, natural enclosures and breeds at-risk species to reintroduce them to the wild.
According to Jersey Zoo director Mark Habben, a zoo's ethics depend on three priorities: a clear conservation focus, a clear research focus, and defined welfare goals. These are also embraced by Chester Zoo, one of the UK's largest. In 2025, it attracted nearly 2.14 million visitors, proving the success of its welfare-centric approach. Its projects protect wild species like the giant pangolin and the eastern bongo, while its breeding programme has successfully yielded chicks of the Socorro dove, which became extinct in the wild in the 1970s.
These "insurance populations" have become vital in our age of rampant poaching and habitat loss. For example, the Arabian oryx was pushed to extinction in the wild in the early 1970s. Yet today, following successful captive breeding programmes by global zoos, thousands live in the wild, and the species is now classified only as "vulnerable". Similarly, the California condor population was boosted from just 22 birds in 1982 to several hundred today.
Animal ethicist Samantha Ward notes that the wild is no longer a safe place where animals roam freely. She works with modern zoos to ensure creatures have the environment and mental stimuli to thrive. In Europe and the UK, stringent regulations govern housing and veterinary care. For visitors traveling abroad, Ward suggests looking for accreditation from international bodies like WAZA to ensure high animal welfare standards.
With 700 million annual zoo visitors worldwide, these institutions are highly valuable for education. A study found that departing visitors felt more positive about conservation and were more likely to take action, such as supporting wildlife charities. Zak Showell, director of Shaldon Wildlife Trust, understands why some people hesitate to visit zoos, but emphasizes that modern standards are very high. Progressive zoos constantly develop their spaces and fund wild preservation, making them well worth defending.

[I] The accessibility and scalability of digital platforms can significantly lower barriers to mental health care and make it available to a broader population, according to tech researchers. Swept up by a wave of Generative AI, tech companies have been quick to capitalize. [II] Scores of new apps now offer automated counseling, where people can engage in cognitive behavioral therapy sessions-a psychotherapeutic treatment that is proven to assist users in identifying and changing negative thought patterns-with an AI chatbot. [III] The arrival of AI enables adaptive interventions and allows healthcare providers to continuously monitor patients, anticipate when someone may need support, and deliver treatments to alleviate symptoms. [IV]
It is not merely anecdotal. A systematic review of mental health chatbots found that AI chatbots could dramatically cut down symptoms of depression and distress, at least in the short term. Other studies have successfully detected early signs of major depressive disorder from unguarded facial expressions captured during routine phone unlocks and people's typing patterns. Most recently, researchers devised a way to identify suicidal behavior and thoughts without psychiatric records. Their AI model estimated self-harm likelihood in 92 out of 100 cases based on data from simple questionnaire responses and behavioral signals like ranking a random sequence of pictures. Specialists expect that once the model clears clinical trials, they will use it for support, such as scheduling patients depending on perceived urgency, and eventually roll it out to the public in at-home settings.
However, experts urge caution over treating tech solutions as a panacea since they lack the skill, training, and experience of human therapists. Generative AI can be highly unpredictable, fabricate information, and regurgitate deeply embedded societal biases. When a professional counselor tried a popular mental health chatbot to help explore a personal topic, the bot failed to pick up on the issue's nuances. It suggested he "stick to the facts" while removing the emotional content from his replies, advising him to reframe his negative thoughts as a positive. For human therapists, correcting or erasing emotions is counterproductive. They view their primary role as forming a relationship that can hold difficult emotions, making it easier for clients to explore, integrate, or find meaning in them and ultimately know themselves better.
Most therapists agree AI apps can be an ideal initial step in a person's mental health journey, but serious risks arise when they are treated as the sole solution. The consequences can be dire when vulnerable individuals exclusively depend on an AI chatbot; instances have already occurred where bots dispensed harmful advice or exacerbated psychological distress. Furthermore, algorithmic models trained on unchecked internet data often fail when applied to marginalized demographics. Until tech companies overcome these concerns, AI's best near-term use cases will likely be confined to administrative tasks like insurance and billing, ultimately allowing therapists to spend more genuine time with clients.

[I] The accessibility and scalability of digital platforms can significantly lower barriers to mental health care and make it available to a broader population, according to tech researchers. Swept up by a wave of Generative AI, tech companies have been quick to capitalize. [II] Scores of new apps now offer automated counseling, where people can engage in cognitive behavioral therapy sessions-a psychotherapeutic treatment that is proven to assist users in identifying and changing negative thought patterns-with an AI chatbot. [III] The arrival of AI enables adaptive interventions and allows healthcare providers to continuously monitor patients, anticipate when someone may need support, and deliver treatments to alleviate symptoms. [IV]
It is not merely anecdotal. A systematic review of mental health chatbots found that AI chatbots could dramatically cut down symptoms of depression and distress, at least in the short term. Other studies have successfully detected early signs of major depressive disorder from unguarded facial expressions captured during routine phone unlocks and people's typing patterns. Most recently, researchers devised a way to identify suicidal behavior and thoughts without psychiatric records. Their AI model estimated self-harm likelihood in 92 out of 100 cases based on data from simple questionnaire responses and behavioral signals like ranking a random sequence of pictures. Specialists expect that once the model clears clinical trials, they will use it for support, such as scheduling patients depending on perceived urgency, and eventually roll it out to the public in at-home settings.
However, experts urge caution over treating tech solutions as a panacea since they lack the skill, training, and experience of human therapists. Generative AI can be highly unpredictable, fabricate information, and regurgitate deeply embedded societal biases. When a professional counselor tried a popular mental health chatbot to help explore a personal topic, the bot failed to pick up on the issue's nuances. It suggested he "stick to the facts" while removing the emotional content from his replies, advising him to reframe his negative thoughts as a positive. For human therapists, correcting or erasing emotions is counterproductive. They view their primary role as forming a relationship that can hold difficult emotions, making it easier for clients to explore, integrate, or find meaning in them and ultimately know themselves better.
Most therapists agree AI apps can be an ideal initial step in a person's mental health journey, but serious risks arise when they are treated as the sole solution. The consequences can be dire when vulnerable individuals exclusively depend on an AI chatbot; instances have already occurred where bots dispensed harmful advice or exacerbated psychological distress. Furthermore, algorithmic models trained on unchecked internet data often fail when applied to marginalized demographics. Until tech companies overcome these concerns, AI's best near-term use cases will likely be confined to administrative tasks like insurance and billing, ultimately allowing therapists to spend more genuine time with clients.

[I] The accessibility and scalability of digital platforms can significantly lower barriers to mental health care and make it available to a broader population, according to tech researchers. Swept up by a wave of Generative AI, tech companies have been quick to capitalize. [II] Scores of new apps now offer automated counseling, where people can engage in cognitive behavioral therapy sessions-a psychotherapeutic treatment that is proven to assist users in identifying and changing negative thought patterns-with an AI chatbot. [III] The arrival of AI enables adaptive interventions and allows healthcare providers to continuously monitor patients, anticipate when someone may need support, and deliver treatments to alleviate symptoms. [IV]
It is not merely anecdotal. A systematic review of mental health chatbots found that AI chatbots could dramatically cut down symptoms of depression and distress, at least in the short term. Other studies have successfully detected early signs of major depressive disorder from unguarded facial expressions captured during routine phone unlocks and people's typing patterns. Most recently, researchers devised a way to identify suicidal behavior and thoughts without psychiatric records. Their AI model estimated self-harm likelihood in 92 out of 100 cases based on data from simple questionnaire responses and behavioral signals like ranking a random sequence of pictures. Specialists expect that once the model clears clinical trials, they will use it for support, such as scheduling patients depending on perceived urgency, and eventually roll it out to the public in at-home settings.
However, experts urge caution over treating tech solutions as a panacea since they lack the skill, training, and experience of human therapists. Generative AI can be highly unpredictable, fabricate information, and regurgitate deeply embedded societal biases. When a professional counselor tried a popular mental health chatbot to help explore a personal topic, the bot failed to pick up on the issue's nuances. It suggested he "stick to the facts" while removing the emotional content from his replies, advising him to reframe his negative thoughts as a positive. For human therapists, correcting or erasing emotions is counterproductive. They view their primary role as forming a relationship that can hold difficult emotions, making it easier for clients to explore, integrate, or find meaning in them and ultimately know themselves better.
Most therapists agree AI apps can be an ideal initial step in a person's mental health journey, but serious risks arise when they are treated as the sole solution. The consequences can be dire when vulnerable individuals exclusively depend on an AI chatbot; instances have already occurred where bots dispensed harmful advice or exacerbated psychological distress. Furthermore, algorithmic models trained on unchecked internet data often fail when applied to marginalized demographics. Until tech companies overcome these concerns, AI's best near-term use cases will likely be confined to administrative tasks like insurance and billing, ultimately allowing therapists to spend more genuine time with clients.

Read the following leaflet and mark the letter A, B, C or D on your answer sheet to indicate the option that best fits each of the numbered blanks from 35 to 40.
ADVANCED HOSPITALITY TRAINING SCHEME
The Grand Horizon Resort is thrilled to introduce its annual guest relations residency opening (36)___ this winter. The more effectively you navigate fast-paced environments, the (35)___ your prospects of securing a permanent managerial contract. Selected candidates will gain exposure to international service standards, luxury brand management, and direct mentorship from industry veterans.
(37)___ participants will receive a competitive monthly stipend and complimentary on-site accommodation. In contrast to traditional corporate internships, (38)___ candidate is expected to bring extensive prior experience, as our comprehensive onboarding program covers all operational fundamentals. Applications (39)___ to be uploaded via our online portal no later than November 1st.
Missing out on this (40)___ opening could mean delaying your entry into luxury hospitality management—submit your portfolio today!