46. Judy: John is in hospital.
Sarah: Oh, __________________
Judy: He has a kidney problem.
(A)he’s very hospitable.
(B)that’s very nice of him.
(C)it’s good to see him.
(D)is it anything serious?
28. Irresponsible use of the credit cards can lead to serious______ problems and even bankruptcy.
(A) financial (B) superficial (C) beneficial (D) official