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I was walking along the main street of a small seaside town in the north of England looking for somewhere to make a phone call. My car had broken down outside the town and I wanted to contact the AA Company. Low grey clouds were gathering across the sky and there was a cold damp wind blowing off the sea which nearly th...	[ "He was annoyed at being seen by the writer.", "He was angry at being disturbed by the writer.", "He was probably fast asleep.", "He was probably murdered." ]	3	Complete the following questions with the correct answer. Question: I was walking along the main street of a small seaside town in the north of England looking for somewhere to make a phone call. My car had broken down outside the town and I wanted to contact the AA Company. Low grey clouds were gathering across the s...
(Reuters) -- A group of Chinese scientists and explorers are looking for international help to organize a new search for the country's answer to Bigfoot, known locally as the "Yeren", or "wild man". Over the years, more than 400 people have said they saw the half-man, half-ape Yeren in a remote, mountainous area of t...	[ "the number of explorers", "government's support", "the money", "local people's guiding" ]	2	Complete the following questions with the correct answer. Question: (Reuters) -- A group of Chinese scientists and explorers are looking for international help to organize a new search for the country's answer to Bigfoot, known locally as the "Yeren", or "wild man". Over the years, more than 400 people have said they ...
Kieron Williamson, a seven-year-old British boy, is being recognized as an art genius after selling 16 paintings for 18,000 pounds in just 14 minutes. This boy has artistic skills that would be the envy of any serious painter and drawn comparisons to Pablo Picasso, a child prodigy who became one of the most recognized...	[ "is famous but a little proud", "isn't very special from other children", "isn't worth praising at all", "is hard to get along with" ]	1	The following are multiple choice questions (with answers). Kieron Williamson, a seven-year-old British boy, is being recognized as an art genius after selling 16 paintings for 18,000 pounds in just 14 minutes. This boy has artistic skills that would be the envy of any serious painter and drawn comparisons to Pablo Pi...
Roughly half of college students will have some degree of depression at some point during their time in school . Even more startling , 6.2 percent of college students surveyed in 2012 considered suicide and 1.3 percent attempted it , according to an American College Health Association study released this spring . If yo...	[ "is regarded as the best way to fight depression", "contributes to the release of endorphins", "can't help the seriously depressed students", "improve people's ability to learn and memorize" ]	1	Complete the following questions with the correct answer. Question: Roughly half of college students will have some degree of depression at some point during their time in school . Even more startling , 6.2 percent of college students surveyed in 2012 considered suicide and 1.3 percent attempted it , according to an A...
American culture is unique because it is formed and developed under certain conditions. The major factors contributing to the making of this new nation and the forming of a new culture are the hard environment, ethnic diversity (;) and plural religion, which is quite different from other nations in the world. What is m...	[ "the population of the United States includes a large variety of ethnic groups", "the early immigrants brought about the unique American culture", "people in the world once rushed to America because of its unique culture", "the American family members don't get along well with each other" ]	0	The following are multiple choice questions (with answers). American culture is unique because it is formed and developed under certain conditions. The major factors contributing to the making of this new nation and the forming of a new culture are the hard environment, ethnic diversity (;) and plural religion, which ...
Every minute,someone is setting up an Internet company somewhere, in the worlD. Each one is searching for the one great idea that could make his web company click in a big way.And they are trying all kinds of tricks to attract people towards their websites.While some websites offer sounds,cartoons and amazing photos on...	[ "using\"iSmell\" device", "ordering food", "buying special software", "changing chemicals" ]	0	Complete the following questions with the correct answer. Question: Every minute,someone is setting up an Internet company somewhere, in the worlD. Each one is searching for the one great idea that could make his web company click in a big way.And they are trying all kinds of tricks to attract people towards their web...
For kids and many adults, a San Diego vacation means theme parks and other attractions. Before heading to a park, call or check its website for updated hours of operation; many parks have seasonal or holiday hours. Ticket prices listed here are for general admission, single-day use only. Sea World San Diego A 6-minute ...	[ "Sea World San Diego", "San Diego Zoo", "Maritime Museum of San Diego", "Old Town Trolley Tours" ]	0	Complete the following questions with the correct answer. Question: For kids and many adults, a San Diego vacation means theme parks and other attractions. Before heading to a park, call or check its website for updated hours of operation; many parks have seasonal or holiday hours. Ticket prices listed here are for ge...
A person wants to dry their clothes for work. They seek out some energy that can be continuously gotten without running out, so they dry clothes using	[ "the water", "the moon", "the leaves", "the sun" ]	3	The following are multiple choice questions (with answers). A person wants to dry their clothes for work. They seek out some energy that can be continuously gotten without running out, so they dry clothes using A. the water B. the moon C. the leaves D. the sun Answer:D
There are 5 channels on British television and each channel has several news programs all day long. Some programs are only for 3 minutes but some are one hour long. The people who read the news are called news presenters and because they appear on television every day, they are very famous. This is a popular news prese...	[ "only for three minutes", "for an hour", "in the evening", "at any time" ]	3	Complete the following questions with the correct answer. Question: There are 5 channels on British television and each channel has several news programs all day long. Some programs are only for 3 minutes but some are one hour long. The people who read the news are called news presenters and because they appear on tel...
Have you been asked for money by some disabled beggars while you're enjoying shopping?Do you have any pity on them who are so poor and lonely or do you just feel afraid of their terrible shapes?As one of the most special groups,disabled people's living conditions--not only their material conditions,but their mental wor...	[ "The disabled like to beg in the street.", "Disabled beggars can work to make a living.", "Disabled beggars are not usually treated equally.", "The best way to help disabled beggars is to give them lots of money." ]	2	Complete the following questions with the correct answer. Question: Have you been asked for money by some disabled beggars while you're enjoying shopping?Do you have any pity on them who are so poor and lonely or do you just feel afraid of their terrible shapes?As one of the most special groups,disabled people's livin...
The king was to pass by a beggar's small poor house and the man was excited, not because he was about to see the king but because the king was known to part with expensive jewels and huge sums of money when moved by sympathy. He saw the king's carriage just when a kind man was filling his begging bowl with uncooked ric...	[ "Because he was poor than the beggar.", "Because he wanted to make the beggar even poorer.", "Because he had nothing to eat.", "Because he wanted to give something to the beggar in return." ]	3	Complete the following questions with the correct answer. Question: The king was to pass by a beggar's small poor house and the man was excited, not because he was about to see the king but because the king was known to part with expensive jewels and huge sums of money when moved by sympathy. He saw the king's carriag...
An Ofsted study reports that teachers are discouraging students who want to leave school and work as apprentices in beauty salons or hair dressers. Inspectors questioned 105 young people for a report on apprenticeships published on Wednesday. They found several examples of young people who felt they had been laughed...	[ "Surprising", "Understandable", "Wrong", "Right" ]	1	Complete the following questions with the correct answer. Question: An Ofsted study reports that teachers are discouraging students who want to leave school and work as apprentices in beauty salons or hair dressers. Inspectors questioned 105 young people for a report on apprenticeships published on Wednesday. They ...
The New Year holidays bring delicious food, but no one wants a weight problem after they are over. American Food psychologist Brian Wansink has recently published "Mindless Eating: Why We Eat More Than We Think". The book explains why we eat what we eat and how we can control our eating. Most of his suggestions are b...	[ "Talking or watching TV during a dinner can help with overeating.", "It is rude to leave the wrappers and remains of food on tables.", "Eating slowly is a good way to avoid overeating.", "Parents should never place candies in a wide, covered dish" ]	2	The following are multiple choice questions (with answers). The New Year holidays bring delicious food, but no one wants a weight problem after they are over. American Food psychologist Brian Wansink has recently published "Mindless Eating: Why We Eat More Than We Think". The book explains why we eat what we eat and...
Glacier National Park in Montana shares boundaries with prefix = st1 /Canada, an American Indian reservation, and a national forest. Along the North Fork of the Flathead River, the park also borders about 17,000 acres of private lands that are currently used for ranching, timber, and agriculture. This land is an import...	[ "the endangered species in Glacier National Park", "the protection of lands surrounding Glacier National Park", "conservation laws imposed by the state of Montana", "conservation laws imposed by Congress" ]	1	The following are multiple choice questions (with answers). Glacier National Park in Montana shares boundaries with prefix = st1 /Canada, an American Indian reservation, and a national forest. Along the North Fork of the Flathead River, the park also borders about 17,000 acres of private lands that are currently used ...
Nobody Benefits NEW YORK--America has been experiencing the longest economic increase in its history.Incomes have risen, unemployment has fallen, and cities such as New York are bursting with new office buildings. But just a short walk from Manhattan's skyscrapers, George Brown sits on the side-walk, cooking a lunch of...	[ "Society.", "Science.", "Economy.", "Business" ]	0	The following are multiple choice questions (with answers). Nobody Benefits NEW YORK--America has been experiencing the longest economic increase in its history.Incomes have risen, unemployment has fallen, and cities such as New York are bursting with new office buildings. But just a short walk from Manhattan's skyscr...
Banquets are usually held in restaurants in private rooms that have been reserved for the purpose. You will be met at the door and led to the banquet room. Traditionally, the head of your delegation should enter the room first. Do not be surprised if your hosts greet you with a loud round of applause. The proper resp...	[ "Chinese food is delicious.", "customs and traditions at banquets in China", "what food guests should eat at banquets", "different customs between China and western countries." ]	1	Complete the following questions with the correct answer. Question: Banquets are usually held in restaurants in private rooms that have been reserved for the purpose. You will be met at the door and led to the banquet room. Traditionally, the head of your delegation should enter the room first. Do not be surprised i...
More and more often we heard of people talking about Karaoke(OK). But what on earth it is about, still remains a question for many people. Karaoke is a sort of acoustic equipment which was invented in Japan around the middle of the 1970's. It means "a band without people" in Japanese. In fact, it is just a music tape ...	[ "all persons like to play Karaoke", "to introduce Karaoke to the people", "Karaoke is a wonderful equipment", "Karaoke is used everywhere including snack bars" ]	2	Complete the following questions with the correct answer. Question: More and more often we heard of people talking about Karaoke(OK). But what on earth it is about, still remains a question for many people. Karaoke is a sort of acoustic equipment which was invented in Japan around the middle of the 1970's. It means "...
How could I turn down an opportunity for a weeklong cruise on a luxury motorsailer in the Andaman Sea? Without a second thought, I packed my bags and jumped on a plane to Singapore, and the following day I found myself looking out the airplane window at the beautiful waters surrounding the island of Langkawi off the co...	[ "In Pulau Ta Ngah", "In Malaysia", "In the Atlantic Ocean", "In The Arctic" ]	1	Complete the following questions with the correct answer. Question: How could I turn down an opportunity for a weeklong cruise on a luxury motorsailer in the Andaman Sea? Without a second thought, I packed my bags and jumped on a plane to Singapore, and the following day I found myself looking out the airplane window ...
In my long years of teaching, I often ask my students to read the texts until they can recite them, and I tell them that recitation is an important part of their homework. However, some of my students are tired of doing so, thinking that it is both hard and useless. They argue that it takes a long time to recite a text...	[ "The teacher thinks the students are too naughty to learn english well.", "The students think they spend a lot of time in reciting the texts and get nothing.", "The students say that they often forget the words.", "The students take no interest in English." ]	1	The following are multiple choice questions (with answers). In my long years of teaching, I often ask my students to read the texts until they can recite them, and I tell them that recitation is an important part of their homework. However, some of my students are tired of doing so, thinking that it is both hard and u...
Driving a car at a high speed along a highway seems to be fun. You need only to follow the bright traffic signs beside the highways and it will take you to where you wish. But to a London taxi driver, driving is not an easy job. A taxi driver has to have not only skills but also a good knowledge of the city of London, ...	[ "he has to know all the places in the city and serve all kinds of passengers at all the time", "there is much traffic in London and people there like traveling by taxi", "he has to follow the bright traffic sighs", "although he works hard he earns little money" ]	0	The following are multiple choice questions (with answers). Driving a car at a high speed along a highway seems to be fun. You need only to follow the bright traffic signs beside the highways and it will take you to where you wish. But to a London taxi driver, driving is not an easy job. A taxi driver has to have not ...
Accurately forecasting the weather is a very hard thing to do. There are many parts of weather dynamics -- the study of how water and air in motion cause weather patterns -- to consider. Even the best forecast can be changed by a small weather disturbance halfway around the world. Today's forecast use complex computer ...	[ "likely to reflect long-term weather forecasting", "likely to reflect short-term weather forecasting", "unlikely to reflect any kind of weather forecasting", "more likely to reflect both short-term and long term weather forecasting" ]	1	The following are multiple choice questions (with answers). Accurately forecasting the weather is a very hard thing to do. There are many parts of weather dynamics -- the study of how water and air in motion cause weather patterns -- to consider. Even the best forecast can be changed by a small weather disturbance hal...
The earth's best-known encyclopedia announced today that it would no longer publish print editions. Like so many newspapers and publishing houses, Encyclopedia Britannica is going completely digital. Jorge Cauz is President of Encyclopedia Britannica.He says the company is now focusing on digital learning. "We're di...	[ "Britannica goes digital", "Britannica stops publishing", "Welcome to Britannica", "Britannica goes free" ]	0	Complete the following questions with the correct answer. Question: The earth's best-known encyclopedia announced today that it would no longer publish print editions. Like so many newspapers and publishing houses, Encyclopedia Britannica is going completely digital. Jorge Cauz is President of Encyclopedia Britanni...
One day, an old man went(go)for a walk in a park in Washington, and when he was(is) tired, he sat(sit) down on a bench . A young person was standing on the other side of the pond . "My goodness" the old man said(say)to the person sitting next to him on the bench."Do you see the person with loose pants "and long hair? ...	[ "Because many boys and girls are wearing the same kinds of clothes, so it is hard to tell whether a child is a boy or a girl in western countries.", "Because many of them have long hair.", "They all go to the same school.", "A or B" ]	3	The following are multiple choice questions (with answers). One day, an old man went(go)for a walk in a park in Washington, and when he was(is) tired, he sat(sit) down on a bench . A young person was standing on the other side of the pond . "My goodness" the old man said(say)to the person sitting next to him on the b...
"Face it, Andy. You sold your soul the day you put on that first pair of Jimmy Choo's." That line from the movie The Devil Wears Prada is an example showing how a shoemaker has become famous in the fashion world. Jimmy Choo (Zhou Yangjie) is a native Malaysian of Chinese origin , born in 1961 into a family of shoemake...	[ "Choo was lucky enough when he was young.", "Choo must be thankful for Vogue magazine.", "\"Jimmy Choo\" is a brand with a long history.", "It's much harder for a man to succeed in the fashion world." ]	1	The following are multiple choice questions (with answers). "Face it, Andy. You sold your soul the day you put on that first pair of Jimmy Choo's." That line from the movie The Devil Wears Prada is an example showing how a shoemaker has become famous in the fashion world. Jimmy Choo (Zhou Yangjie) is a native Malaysia...
Are you carrying too much on your back to school? I'm sure lots of your age will say "Yes". Not only the students in China have this problem, but children in the United States also have heavy school bags. Doctors are starting to worry about that younger and younger students are having problems as a result of school ba...	[ "his back and neck will be hurt", "his head and arms will be hurt", "his hands will be hurt", "his feed will be hurt" ]	0	Complete the following questions with the correct answer. Question: Are you carrying too much on your back to school? I'm sure lots of your age will say "Yes". Not only the students in China have this problem, but children in the United States also have heavy school bags. Doctors are starting to worry about that youn...
My name is Paul Miller. Sometimes I am too fat, but lately I do not have this problem. My doctor tells me to jog. So early every morning I run for two miles. I do not run fast, but I do not stop to rest. I jog before breakfast. People call me a jogger. There are many joggers on my street. We often run together in the...	[ "full of meat", "with fruits and vegetables", "quickly", "in the evening or after breakfast" ]	1	Complete the following questions with the correct answer. Question: My name is Paul Miller. Sometimes I am too fat, but lately I do not have this problem. My doctor tells me to jog. So early every morning I run for two miles. I do not run fast, but I do not stop to rest. I jog before breakfast. People call me a jogg...
I was in my third year of teaching creative writing at a high school in New York, when one of my students, 15-year-old Mikey, gave me a note from his mother. It explained his absence from class the day before. I had seen Mikey himself writing the note at his desk. Most parental-excuse notes I received were penned by my...	[ "Excellent.", "Difficult.", "Incorrect.", "Reasonable." ]	0	Complete the following questions with the correct answer. Question: I was in my third year of teaching creative writing at a high school in New York, when one of my students, 15-year-old Mikey, gave me a note from his mother. It explained his absence from class the day before. I had seen Mikey himself writing the note...
Beijing (Xinhua): When she appeared on stage, singing a Japanese song, hundreds of excited teenagers crowded around shouting, "Curarpikt !Its Curarpikt!" At the Beijing Comic and Animation Expo last week, that's exactly who Shi Jia was. The Senior 1 girl was cosplaying "Curarpikt", a character from the popular Jap...	[ "When cosplaying, comic fans wear costumes and pretend to be their favourite comic characters.", "Cosplay is a kind of performance in which you play a Curarpikt.", "Cosplay is a character from the popular Japanese comic book Hunter X Hunter by Yoshihiro Togashi.", "When cosplaying, some funny teenagers play s...	0	Complete the following questions with the correct answer. Question: Beijing (Xinhua): When she appeared on stage, singing a Japanese song, hundreds of excited teenagers crowded around shouting, "Curarpikt !Its Curarpikt!" At the Beijing Comic and Animation Expo last week, that's exactly who Shi Jia was. The Senio...
Jim, a young farmer, was once put into prison . One day, he got aletter from his mother. "I'm so worried about our farm,"she wrote. "It'stime to plant potatoes. I can't dig all the fields by myself. Jim read the letter and became sad. "What can I do?" he thought. Then he had a good idea. He wrote to his mother, "Don't...	[ "dig the fields", "dig the pot of money", "ask others for help", "go to the prison to see him" ]	0	Complete the following questions with the correct answer. Question: Jim, a young farmer, was once put into prison . One day, he got aletter from his mother. "I'm so worried about our farm,"she wrote. "It'stime to plant potatoes. I can't dig all the fields by myself. Jim read the letter and became sad. "What can I do?...
Which animal emits something that many autistic people would be extra sensitive to?	[ "cow", "dog", "cat", "skunk" ]	3	The following are multiple choice questions (with answers). Which animal emits something that many autistic people would be extra sensitive to? A. cow B. dog C. cat D. skunk Answer:D
Fun, and maybe more Nickname: tatoosun Email: tatoosun2003@yahoo.com When to travel: Jun 2007 - Aug 2007 Who am I: Slender African girl in her late 20's. Quite charming, loving, pretty, fun to be with. My travel plans: Nothing in mind for sure, just looking to come with you. Who am I looking for: Looking for a white ma...	[ "By plane", "By road", "By water", "By beach hiking" ]	1	Complete the following questions with the correct answer. Question: Fun, and maybe more Nickname: tatoosun Email: tatoosun2003@yahoo.com When to travel: Jun 2007 - Aug 2007 Who am I: Slender African girl in her late 20's. Quite charming, loving, pretty, fun to be with. My travel plans: Nothing in mind for sure, just l...
Taiwanese fishing boats that sailed to the Diaoyu Islands to protest Japan's "purchase" of part of the islands completed their voyage Tuesday morning and have set sail for home. Local media reported that the boats finished their protest at 9:15 a.m. and are expected to return to a port in northeast Taiwan's Yilan...	[ "Opposition from Chinese government.", "Nationwide demonstrations were carried out in China.", "Fishing boats organized by Taiwan government sailed to the islands to protest.", "Chinese consumers refused to buy products imported from Japan." ]	2	Complete the following questions with the correct answer. Question: Taiwanese fishing boats that sailed to the Diaoyu Islands to protest Japan's "purchase" of part of the islands completed their voyage Tuesday morning and have set sail for home. Local media reported that the boats finished their protest at 9:15 ...
Since her husband died, Mrs. Jackson has lived alone in their big old suburban house, The house was bought by her husband almost fifty years ago. For the sake of safety , her son has tried hard to ask her to sell the house and buy a new and small one in the town , But Mrs. Jackson doesn't like the idea....	[ "she was enjoying the Christmas music", "she thought it might be an unknown person", "it was not her son", "she hadn't decided to answer the door" ]	1	The following are multiple choice questions (with answers). Since her husband died, Mrs. Jackson has lived alone in their big old suburban house, The house was bought by her husband almost fifty years ago. For the sake of safety , her son has tried hard to ask her to sell the house and buy a new and sm...
There are many new ways of shopping , and online shopping is one of them. You can buy almost everything on the Internet, and it's very easy. First, you choose something--clothes, tickets, a mobile phone, even a new computer--and pay for it. Then you receive it a few days later by post. Online shopping has several advan...	[ "before", "after", "when", "as" ]	0	Complete the following questions with the correct answer. Question: There are many new ways of shopping , and online shopping is one of them. You can buy almost everything on the Internet, and it's very easy. First, you choose something--clothes, tickets, a mobile phone, even a new computer--and pay for it. Then you r...
We've organized the following information to help you prepare for your arrival at Boston College.Please feel free to contact our Admissions Office at any time over the coming months with any questions. Your First Steps... Please return the Acknowledgment Form sent with your acceptance letter to Dean Robert Howe, Gradua...	[ "return your Acknowledgment Form by May 31, 2008", "send back your Acknowledgment Form by April 25, 2008", "email your Acknowledgment Form to Admissions Office by May 31, 2008", "return your Acknowledgment Form to Student Services by April 25, 2008" ]	1	The following are multiple choice questions (with answers). We've organized the following information to help you prepare for your arrival at Boston College.Please feel free to contact our Admissions Office at any time over the coming months with any questions. Your First Steps... Please return the Acknowledgment Form...
Spring peepers are found in wooded areas and grassy lowlands near pools in the central and eastern parts of Canada and the United States. These loud animals are rarely seen, but as temperatures begin to rise in March and April, the males certainly are heard. Their peep...peep... peep creates an other-worldly whistling ...	[ "They prefer to live in the dry areas in North America.", "They are the first animals to make sounds in spring.", "They can live both in water and on land.", "They are active during the cold months of the year." ]	2	The following are multiple choice questions (with answers). Spring peepers are found in wooded areas and grassy lowlands near pools in the central and eastern parts of Canada and the United States. These loud animals are rarely seen, but as temperatures begin to rise in March and April, the males certainly are heard. ...
George Stephenson was born in 1781 in a poor family. He had to start work when he was only eight.When George was fourteen, he became his father's helper.He spent a lot of time learning about engines .And on holidays he often made one engine to pieces and studied each piece carefully.Soon he became a very good worker th...	[ "through reading and writing", "by making it to pieces and studying each piece carefully", "at lessons from a young teacher", "by asking a lot of questions" ]	1	The following are multiple choice questions (with answers). George Stephenson was born in 1781 in a poor family. He had to start work when he was only eight.When George was fourteen, he became his father's helper.He spent a lot of time learning about engines .And on holidays he often made one engine to pieces and stud...
PEOPLE may use the expression "birdbrain" in English to talk about someone who is stupid, but crows prove that this is unfair. Now it has been discovered that crows may understand analogies . To test this ability in animals, scientists do "relational matching-to-sample (RMTS)"tests. If a pair was AA, for example, then...	[ "The birds did better in RMTS than in IMTS.", "The birds were first made to do RMTS, then IMTS.", "The birds picked almost all the correct cards in RMTS", "In the IMTS test, the birds needed to identify the sample card to get rewards." ]	3	Complete the following questions with the correct answer. Question: PEOPLE may use the expression "birdbrain" in English to talk about someone who is stupid, but crows prove that this is unfair. Now it has been discovered that crows may understand analogies . To test this ability in animals, scientists do "relational...
Responding to County's written advertisement for bids, Tyres was the successful bidder for the sale of tires to County for County's vehicles. Tyres and County entered into a signed, written agreement that specified, "It is agreed that Tyres will deliver all tires required by this agreement to County, in accordance with...	[ "recover under the contracts clause of the United States Constitution.", "recover under the provisions of the Uniform Commercial Code.", "not recover, because the agreement lacks mutuality of obligation. ", "not recover, because the agreement is indefinite as to quantity. " ]	1	The following are multiple choice questions (with answers). Responding to County's written advertisement for bids, Tyres was the successful bidder for the sale of tires to County for County's vehicles. Tyres and County entered into a signed, written agreement that specified, "It is agreed that Tyres will deliver all t...
Banks are not ordinarily prepared to pay out all accounts(,); they rely on depositors not to demand payment all at the same time. If depositors should come to fear that a bank is not safe, that it cannot pay off all its depositors, then that fear might cause all the depositors to appear on the same day. If they did, ...	[ "ease with which they could get their money", "confidence that Mrs. Vaught showed", "confidence shown by other depositors of the bank", "failure of several other banks to open" ]	3	Complete the following questions with the correct answer. Question: Banks are not ordinarily prepared to pay out all accounts(,); they rely on depositors not to demand payment all at the same time. If depositors should come to fear that a bank is not safe, that it cannot pay off all its depositors, then that fear mi...