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Câu 1 / 7

The customer service department has seen a significant _____ in the number of complaints since the new policy was introduced.

• A. raise
• B. raised
• C. increase
• D. rising

Câu 2 / 7

Unless you _____ harder, you won't pass the exam.

• A. learn
• B. study
• C. studied
• D. had studied

Câu 3 / 7

Rewrite: "She started saving for retirement five years ago." → "She has _____ for five years."

• A. saved money to retire
• B. been saving for retirement
• C. saving for retirement
• D. been saved for retirement

Câu 4 / 7

Rewrite using a conditional: "We don't have enough funds, so we can't approve the loan."

• A. If we had more funds, we could approve the loan.
• B. If we have enough funds, we will approve the loan.
• C. If we had enough funds, we would approve the loan.
• D. If we had enough funds, we would have approved the loan.

Câu 5 / 7

Doanh nghiệp phát hành trái phiếu mệnh giá 100.000 đồng, coupon 9%, giá phát hành 95.000 đồng, thời hạn 5 năm, thuế suất 20%. Chi phí nợ sau thuế gần nhất giá trị nào?

• A. 8,2%
• B. 7,2%
• C. 9,0%
• D. 10,0%