Revision: Tenses. Circle the correct tense: Present Simple, Present Continuous, Past Simple,
Present Perfect:
1. Tom ＿ ＿ to school every day.
a) goes
c) is going
b) went
d) has gone
14. Dave ＿ ＿ to Paris recently.
a) is
b) was
c) is being
d) has been
2. Mona
＿ her report yesterday.
: 15. I ＿ ＿ Mona for a long time.
a) finishes
b) finished
c) is finishing
d) has finished
3. Nick ＿ ＿ his car every Saturday.
a) don't see
b) didn't see
c) amn't seeing d) haven't seen
: 16. Paul ＿ ＿ his guitar at the moment.
a) washes
c) is washing
b) washed
d) has washed
4. They ＿ ＿ Berlin two years ago.
a) plays
b) played
c) is playing
d) has played :17. 1 ＿ ＿ in the pool every Sunday.
a) leave
b) left
c) is leaving
d) have left
5. 1 ＿ ＿ already ＿ ＿ my exercise.
a) do
b) did
c) is doing
d) have done
6. Pam ＿ ＿ a nice dog at the moment.
a) swim
b) swarm
c) am swimming d) have swum : 18. Bill ＿ ＿ in the zoo yesterday.
a) is
c) is being
b) was
d) has been 19. Kate ＿ just ＿ her friend.
a) draws
c) is drawing
b) drew
d) has drawn
a) meets
c) is meeting
b) met
d) has met
7. Ben ＿ ＿ the competition yesterday.
: 20. We ＿ ＿ two days ago.
a) wins
c) is wining
b) won
d) has won
a) talk
c) are talking
b) talked
d) have talked
:8. Liz ＿ ＿ dinner in the kitchen now. :21. They often ＿ their time in Spain.
a) cooks
c) is cooking
b) cooked
d) has cooked
a) spend
b) spent
c) are spending d) have spent
:9. We ＿ ＿ a new car recently.
23. Sue ＿ ＿ an interesting film now.
a) buy
b) bought
c) is buying
d) have bought :10. Liz often ＿ ＿ her pet for a walk.
a) takes
b) took
c) is taking
d) has taken
11. Look! The baby
a) cries
c) is crying
b) cried
d) has cried
:12. 1 ＿ ＿ my grandparents last week.
a) watches
b) watched
c) is watching d) has watched
24. Helen ＿ as SMS at present.
a) sends
b) sent
c) is sending
d) has sent :25. They ＿ just ＿ ＿ home.
a) arrive
b) arrived
c) are arriving ng
d) have arrived : 26. Tim ＿ ＿ a gold medal last year.
a) visit
c) am visiting
b) visited
d) have visited
a) gets
c) is getting
b) got
d) has got
13. The boys rarely ＿ football.
:27. We ＿ ＿ dinner at present.
a) play
b) played
c) are playing d) have played
a) have
c) are having
b) had
d) have had
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The history of banking began with the first prototype banks which were the merchants of the world, who gave grain loans to farmers and traders who carried goods between cities. This was around 2000 BC in Assyria, India and Sumeria. Later, in ancient Greece and during the Roman Empire, lenders based in temples gave loans, while accepting deposits and performing the change of money. Archaeology from this period in ancient China and India also shows evidence of money lending.
Many histories position the crucial historical development of a banking system to medieval and Renaissance Italy and particularly the affluent cities of Florence, Venice and Genoa. The Bardi and Peruzzi Families dominated banking in 14th century Florence, establishing branches in many other parts of Europe.The most famous Italian bank was the Medici Bank, established by Giovanni Medici in 1397. The oldest bank still in existence is Banca Monte dei Paschi di Siena, headquartered in Siena, Italy, which has been operating continuously since 1472. Until the end of 2019, the oldest bank still in operation was the Banco di Napoli headquartered in Naples, Italy which had been operating since 1463.
Development of banking spread from northern Italy throughout the Holy Roman Empire, and in the 15th and 16th century to northern Europe. This was followed by a number of important innovations that took place in Amsterdam during the Dutch Republic in the 17th century, and in London since the 18th century. During the 20th century, developments in telecommunications and computing caused major changes to banks' operations and let banks dramatically increase in size and geographic spread. The financial crisis of 2007–2008 caused many bank failures, including some of the world's largest banks, and provoked much debate about bank regulation.
1. My working day begins at eight o'clock.
2. I get up, switch on the radio and do my morning exercises.
3. It takes me fifteen minutes.
4. At half past seven we have breakfast.
5. My father and I leave home at eight o'clock.
6. He takes a bus to his factory.
7. My mother is a doctor, she leaves home at nine o'clock.
8. In the evening we gather in the living room.
9. We watch TV and talk.
10. My brother gets up at seven o'clock.
11. She is a schoolgirl.
12. He goes to school in the afternoon.
13. John is fond of sports.
14. He does her morning exercises every day.
15. For breakfast he has two eggs, a sandwich and a cup of tea.
16. After breakfast he goes to school.
17. It takes him two hours to do his homework.
18. He speaks French well