Read the following text. Choose the best word(s) for each numbered blank and mark A, B, C or D on ANSWER SHEET 1. (10 points)

Given the advantages of electronic money, you might think that we would move quickly to the cashless society in which all payments are made electronically.  1  a true cashless society is probably not around the corner. Indeed, predictions have been  2  for two decades but have not yet come to fruition. For example, Business Week predicted in 1975 that electronic means of payment would soon "revolutionize the very  3  of money itself," only to  4  itself several years later. Why has the movement to a cashless society been so  5  in coming?

Although electronic means of payment may be more efficient than a payments system based on paper, several factors work  6  the disappearance of the paper system. First, it is very  7  to set up the computer, card reader, and telecornmunications networks necessary to make electronic money the  8  form of payment Second, paper checks have the advantage that they  9  receipts, something thai many consumers are unwilling to  10  . Third, the use of paper checks gives consumers several days of "float" - it takes several days  11  a check is cashed and funds are  12  from the issuers account, which means that the writer of the check can cam interest on the funds in the meantime.  13  electronic payments arc immediate, they eliminate the float for the consumer.

Fourth, electronic means of payment may  14  security and privacy concerns. We often hear media reports that an unauthorized hacker has been able to access a computer database and to alter information  15  there. The fact that this is not an 16 occurrence means that dishonest persons might be able to access bank accounts in electronic payments systems and  17  from someone elses accounts. The  18  of this type of fraud is no easy task, and a new field of computer science is developing to 19  security issues. A further concern is that the use of e lectronic means of payment leaves an electronic  20  that contains a large amount of personal data. There are concerns that government, employers, and marketers might be able to access these data, thereby violating our privacy.

1. [A] However     [B] Moreover       [C] Therefore      [D] Otherwise

2. [A] off          [B] back           [C] over           [D] around

3. [A] power       [B] concept         [C] history         [D] role

4. [A] reward       [B] resist          [C] resume         [D] reverse

5. [A] silent        [B] sudden         [C] slow           [D] steady

6. [A] for          [B] against         [C] with           [D] on

7. [A] imaginative   [B] expensive       [C] sensitive       [D] productive

8. [A] similar       [B] original         [C] temporary      [D] dominant

9. [A] collect       [B] provide         [C] copy           [D] print

10. [A] give up     [B] take over        [C] bring back      [D] pass down

11. [A] before      [B] after            [C] since          [D] when

12. [A] kept        [B] borrowed        [C] released       [D] withdrawn

13. [A] Unless      [B] Until            [C] Because       [D] Though

14. [A] hide        [B] express          [C] raise          [D]ease

15. [A] analyzed    [B] shared           [C] stored         [D] displayed

16. [A] unsafe       [B] unnatural        [C] uncommon     [D] unclear

17. [A] steal         [B] choose         [C] benefit       [D] return

18. [A] consideration  [B] prevention      [C] manipulation  [D] justification

19. [A] cope with     [B] fight against     [C] adapt to      [D] call for

20. [A] chunk        [B] chip            [C] path         [D] trail