20.
(A) communicate
(B) communicating
(C) to communicate
(D) of communication 

21. What is the main topic of the passage? (A) Negative impact of large hotels on tourism. (B) Tourism among the Kuna people of Panama. (C) Ecotourism and the problems of tourism. (D) Tourism in Latin America. 

22. What is the problem with monkeys in the Costa Rican park? (A) There isn't enough food for them in the forest. (B) They eat garbage from houses in the area. (C) They eat the tourists' food instead of their natural diet. (D) They attack the tourists to get their food.

23. The phrase this ideal in paragraph 4 refers to _. (A) educating tourists (B) the wellbeing of local people (C) the principle of ecotourism (D) improving the local economy

24. How are the Kuna people trying to use the idea of ecotourism? (A) By creating new designs for molas (B) By controlling the ownership of hotels (C) By inviting foreigners to invest in the islands (D) By changing their customs to be more like the tourists

25. How does the writer seem to feel about ecotourism? (A) It's a good idea but it may not be practical. (B) It's a good idea, but it will never work. (C) It will certainly change people's ideas about tourism. (D) It's a bad idea and will never work.

26. If you are not the recipient of this message, what can you do? (A) Disclose the message. (B) Delete the message. (C) Disseminate the message. (D) Copy the message.

27. What does the phrase "be liable for" mean? (A) be possible for (B) be a liar for (C) be loveable for (D) be responsible for 

28. Which of the following statements is false? (A) Commodity prices are fluctuated daily. (B) The quality of a specific producer's product will be specified in a commodity contract. (C) Commodities are often substances that come out of the earth. (D) Commodity prices are determined by supply and demand.

29. Which of the following statements is true? (A) The spot market is where goods are bought and sold for future delivery. (B) The futures market is where goods are bought and sold for immediate delivery. (C) Only producers can use futures contracts to lock in profits. (D) Investors may make money by buying and selling futures contracts. 

Question 30 is based on the following reading. (4pts) Direct Deposit is a safe and secure way to electronically deposit your salary, pension, tax refunds, Social Security income, and other regular monthly checks to your account. You can get instant notification by email when the deposit is credited to your account. No more paper checks! You don't need to make a trip to the bank and worry about your check being lost or stolen. No more waiting for checks to clear, your money is available immediately on your payment date.30. If a deposit is electronically credited to your account, which of the following statements is true? (A) You won't get an instant notification by email. (B) You can use the fund immediately. (C) You need to make a trip to the bank to deposit your check. (D) You can't use the fund until the check is cleared.

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