Questions 19 to 22 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.

  • A It is helping its banks to improve efficiency.
  • B It is trying hard to do away with dirty money.
  • C It is the first country to use credit cards in the world.
  • D It is likely to give up paper money in the near future.
  • A Whether it is possible to travel without carrying any physical currency.
  • B Whether it is possible to predict how much money one is going to spend.
  • C Whether the absence of physical currency causes a person to spend more.
  • D Whether the absence of physical currency is going to affect everyday life.
  • A There was no food service on the train.
  • B The service on the train was not good.
  • C The restaurant car accepted cash only.
  • D The cash in her handbag was missing.
  • A By putting money into envelopes.
  • B By drawing money week by week.
  • C By limiting their day-to-day spending.
  • D By refusing to buy anything on credit.