Найдите и подчеркните в тексте все сказуемые, определите временную форму каждого сказуемого. finance is an offshoot or an outgrowth of economics, and many of the notable achievements in finance were made by individuals with economic backgrounds and positions as professors of economics. finance generally focuses on the study of prices, interest rates, money flows and the financial markets. finance seem to be most concerned with notions like the time value of money, rates of return, cost of capital, optimal financial structures and the qualification of risk. the fair price of an item is the intersection of supply, demand, marginal cost and marginal utility, that is not always very useful in actual practice. people want a number, and many billions of dollars are at stake in the proper pricing of loans, deposits, annuities, insurance policies and so forth. that is where finance comes into play – in establishing the theoretical understandings and actual models that allow for the pricing of risk and valuation of future cash flows. finance also informs business managers and investors on how to evaluate business proposals and most efficiently allocate capital. economics posits that capital should always be invested in a way that will produce the best risk-adjusted return; finance actually figures that process out.

3. Найдите и выпишите предложения в Present Perfect.
--- “We’ve definitely made mistakes, but it’s probably the first time in our lives that we’re not getting a grade and we don’t have anyone telling us what to do.”
--- Lehigh first tried what it calls its mountaintop program on a smaller scale last summer, combining elements that scholars of education have advocated for years — research, work experience and independent, long-form projects. 
--- Some colleges have expanded those practices, but the going has been slow.
--- The annual National Survey of Student Engagement shows that by the time they graduate, fewer than half of college students have done internships or some other kind of field experience, fewer than half have done a senior thesis and just 23 percent have done research with a faculty member outside of what is required for their courses.

4. Найдите и выпишите предложения в Present Continuous.
---   Most of the students here are pursuing their own projects — about 30 in all — and finding their own way, with little faculty input and with nothing more at stake than testing their own ambition, skills and curiosity.
--- “We got a group together and said what we wanted to do, and the administration just said, ‘O.K., ask for any equipment or advice you need,’ ” said Colleen Perry, who is studying bioengineering.
--- “We’ve definitely made mistakes, but it’s probably the first time in our lives that we’re not getting a grade and we don’t have anyone telling us what to do.”
 So what Lehigh is trying, she said, “is pretty interesting.”

5. Найдите и выпишите предложения в Present Perfect Continuous. 
--- “We know that these are high-impact practices that we’ve been expanding, but we need to think about new models of how to promote them, because a faculty member can only take on so many students to mentor directly,” said Lynnette Overby, director of undergraduate research and experiential learning at the University of Delaware. 

Present Perfect.

1) “We’ve definitely made mistakes, but it’s probably the first time in our lives that we’re not getting a grade and we don’t have anyone telling us what to do.”
2) Lehigh first tried what it calls its mountaintop program on a smaller scale last summer, combining elements that scholars of education have advocated for years — research, work experience and independent, long-form projects.
3) Some colleges have expanded those practices, but the going has been slow.
4) The annual National Survey of Student Engagement shows that by the time they graduate, fewer than half of college students have done internships or some other kind of field experience, fewer than half have done a senior thesis and just 23 percent have done research with a faculty member outside of what is required for their courses.


Present Continuous.

1) Most of the students here are pursuing their own projects — about 30 in all — and finding their own way, with little faculty input and with nothing more at stake than testing their own ambition, skills and curiosity.
2) “We got a group together and said what we wanted to do, and the administration just said, ‘O.K., ask for any equipment or advice you need,’ ” said Colleen Perry, who is studying bioengineering.
3) “We’ve definitely made mistakes, but it’s probably the first time in our lives that we’re not getting a grade and we don’t have anyone telling us what to do.”
4) So what Lehigh is trying, she said, “is pretty interesting.”

Present Perfect Continuous.

“We know that these are high-impact practices that we’ve been expanding, but we need to think about new models of how to promote them, because a faculty member can only take on so many students to mentor directly,” said Lynnette Overby, director of undergraduate research and experiential learning at the University of Delaware.