Questions 16 to 18 are based on the recording you have just heard.

Directions: In this section, you will hear three recordings of lectures or talks followed by three or four questions. The recordings will be played only once. After you hear a question, you must choose the best answer from the four choices marked A), B), C) and D). Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre.

    16.
  • A One that can provide for emergency needs.
  • B One that can pay for their medical expenses.
  • C One that covers their debts and burial expenses.
  • D One that ensures a healthy life for their later years.
    17.
  • A Purchase insurance for their children.
  • B Save sufficient money for a rainy day.
  • C Buy a home with a small down payment.
  • D Add more insurance on the breadwinner.
    18.
  • A When their children grow up and leave home.
  • B When they have saved enough for retirement.
  • C When their family move to a different place.
  • D When they have found better-paying jobs.