The people who decide the general policy of the bank are: a) shareholders
b) the board of directors
c) the executive staff
2. The bank financial position can be discovered from:
a) a report
b) an announcment
c) a statement
3. Bank profits kept back for later use are:
a) withdrawals
b) surplus
c) retained profits
4. Earnings remaining after all the expenses of a business activity have been
paid are:
a) dividend
b) capital
c) profit
5. Money which one person allows another to use for a specified time and which
will then be returned is:
a) investments
b)loan
c) interest

The first underground system was proposed by Charles Pearson in 1843. Twenty years later the first line of the London Underground was opened for traffic. In the early days, the trains were driven by steam locomotives, which burnt coal, filling the tunnels with smoke. It is said that the train staff and porters asked for a permission to grow beards and moustaches – as an early form of smog mask. The tunnels of the first underground were made as small as possible in order to reduce the construction costs. According to Pearson’s project, all lines were laid down close to the ground surface. The first escalator was also installed in theLondon Underground in 1911. The railways were prepared for any emergency that might occur. To minimize the danger of flooding the underground near the Thames, isolating doors were built in the tunnels. All the trains were equipped with special reduced lighting for using on open sections of track.

1. If you had brought me the book, I should have read it. 2. If he didn't ring me up, I woudn't come. 3. If he hadn't written to me, I shouldn't have answered him. 4. I wish I had a tie to match my suit. 5. The doctor suggested that she had a long rest in the Crimea. 6. If I had been you, I should have appologised to her. 7. You wouldn't have so many accidents if you drove slowly. 8. If he were in, he would answer the phone. 9. If you had passed your examination, we should have a celebtarion. 
10. What might happen if I pressed the button? 11. I should not have taken your umbrella if I had known that it was the only one you had. 12. If he knew it was dangerous he wouldn't come. 13. I shouldn't have gone there if I had been you. 14. He would have been the best pupil in the class if he had worked harder. 15. We would have stayed at home if we had known he was comung. 16. He might have understood everything if you had spoken not so fast.