James didn't study at school, so he didn't pass his exams. He found it difficult to find a job because he didn't have any qualifications. He worked as a carpenter until he hurt his legs. He lived with his brother because didn't earn enough money. James didn't meet many friends because he couldn't go out. He never got married and he didn't have any children. He never travelled abroad because he was broke. He has had a hard life.
If he
had studied
more at school, he could
his exams.
If he
some qualifications, he
a job easily.
If he
as a carpenter, he
his legs.
He
with his brother if he
more money.
He
more new friends if he
.
If he
, he
children.
He
abroad if he
broke.
Customers are now far more likely to transact business using a cashpoint machine than facing a teller across the counter.Покупатели склонны совершать сделки ,используя банковский автомат,чем общаясь с кассиром через стойку.Speed, efficiency and convenience seem to be the key factors in retail banking these day.Скорость ,эффективность и удобство кажутся главными факторами в розничной торговле на сегодня. As competition between banks increases, the ability to provide new and more flexible products and services distinguishes winners from losers in the market.Поскольку соревнования между банками увеличивается предложить более устойчивые продукты и сервис,отличают победителей от проигравших на рынке. Banking by telephone is set to become the norm for most personal clients within the next decade; the customer need never enter his or her local branch.Сделка по телефону станет нормой для большей части клиентов в течении следующего десятилетия;покупателю никогда не надо входить в личное ее или его отделение
15- 1, 3, 2, 4
16- There are two types of formal education: general and vocational.
General education commonly transmit cultural heritage and don't prepare trained specialists. We can find examples of general education almost in all elementary education and then in secondary schools.
While general education teaches us skills which we use throughout our life (for example reading, writing and arithmetics), vocational education prepares students for a job! Vocatonal education can teach us more technical subjects and give us a lot of practise. Also, there are some universities and separate professional schools which prepare their students for careers in architecture, business, medicine, music, teaching, and a lot of other fields.