Title ĐÁP ÁN ĐỀ TRẠI HÈ HÙNG VƯƠNG SƠN LA LỚP 11 2024.docx ✅

1 TỈNH SƠN LA TRƯỜNG THPT CHUYÊN (Đề thi đề xuất) ĐỀ THI CHỌN HỌC SINH GIỎI TRẠI HÈ HÙNG VƯƠNG NĂM 2024 ĐỀ THI MÔN TIẾNG ANH LỚP 11 Thời gian làm bài 180 phút (Đề thi gồm có 19 trang, gồm 15 câu) LISTENING Part 1. For questions 1-10, listen to the lecture and complete the notes below. Write NO MORE THAN THREE WORDS AND / OR A NUMBER for each answer. Internet banking History 1980s • Early online banking access required a computer, a monitor and a 1 ______ phone line _______ • Very basic. Customers could only: - see their 2 ______(bank) statements _______ - send messages to their bank. • Written instructions required to move money to other accounts or make bill payments. • Under one percent of 3 _______ all account holders ______ made use of early online banking. 1990s • Sharp rise in number of 4 ______ personal computers _______ following establishment of Internet. • Modern online-banking services using web browsers begin. • Initial consumer reluctance to carry out financial transactions online (5 ______(online) thefts _______ from accounts often occurred). • Changing consumer attitudes prompted by: - better 6 _______ security features ______ on banking websites - more online stores (e.g., Amazon, eBay). 2000+ • 2001: Bank of America = first bank with three million online customers (making three million payments to a value in excess of 7 ______ one/ 1 billion dollars _______). • 2012: As many as 8 _______ 90 / ninety per cent / percent / %______ of bank customers banking online in one country. • Many online (internet only) banks open. Benefits of internet banking Customers: - They have access to accounts 24/7
2 - They can make payments (gas, electricity, etc.), move money between accounts, 9. _______ arrange loans ______, etc. No need to go to bank. - They can access banking services using computers or smart phones. Banks: - Customers keep more money in their account. - Reduced need for customer 10 _______ support ______ staff. - Increased customer loyalty (+ more recommendations to others). - Lower running costs (internet banks only). - Regional banks can find customers elsewhere (+ therefore operate beyond their usual area). TRANSCRIPT Today, as part of our series on e-commerce, I'm going to tell you a bit about internet banking, or online banking as it is also known. and how it has developed over the years. Now, believe it or not, online banking actually began way back in the early 1980s, before we even had the Internet. Anyone who had a computer terminal and a monitor could access the banking system through their phone line. Services were extremely basic, compared to those today. You could view your statements online, and you could also send messages to your bank, but that was about it. If you wanted to transfer money or pay a bill, you had to send written instructions to your branch. Anyway, the first banks to offer this service were in the USA in 1981, and the idea soon caught on in other countries, arriving in the UK in 1983. As you might expect, however, the number of people using these services was very small, probably less than one percent of all account holders, and most of those were businesses. This all started to change in the 1990s, when the Internet took off. More and more people were buying personal computers and going online, and in 1994 some financial institutions started implementing online banking services through a web browser, like they do today. Of course, many consumers were hesitant to conduct transactions over the Internet. They thought it was unsafe, and not without reason, as the large number of online thefts from that time can testify. As a resuit, customer numbers remained relatively low. However. two things gradually changed public attitudes. The first was that banks spent a lot of time and money improving security features for their websites. The second was the sudden increase in online stores, er, such as Amazon and eBay. As the idea of paying for items online became widespread, people began to feel more comfortable conducting financial transactions over the Internet. Suddenly, internet banking really became popular. In 2001, for example, the Bank of America became the first bank he top three million online banking customers, who between them that year made over three million electronic bill payments worth over a billion dollars. By 2012, an estimated 62 percent of account holders in the US and UK were using online banking services. In some countries, Sweden being one example, up to 90 percent of bank customers were doing it. In the same period, a lot of online banks, that is,
3 those banks which only existed on the Internet, came into existence, offering better interest rates and more services. So what's the attraction? Online banking has many advantages for the customer, of course. They can view their accounts 24 hours a day, 7 days a week, they can pay their utility bills, or most other bills for that matter, transfer money, arrange loans and so on, all without leaving the comfort of their own homes. In fact, with today's smart phones, they don't even need to be at a computer to do all of this. But how do the banks benefit? Well, research has shown that, compared with offline customers, those who use online banking tend to maintain higher balances. They also require less support, by which I mean they ask for help less frequently, which helps banks to cut down on staff. They are also less likely to switch to or use another bank. Interestingly, they're also more likely to recommend their bank to friends and family. Banks which are purely online also have the advantage of not having to maintain the expenses of traditional bank buildings. Things like rent, building maintenance, staff, and so on. Furthermore, banks with a strong regional identity, such as Ulster Bank in Northern Ireland, have been able to use internet banking to expand their customer base beyond their original territory. In other words, you no longer need to live in Northern Ireland to hold an account with them. Part 2. For questions 11-15, listen to part of a talk about emotion and answer the following questions. Write NO MORE THAN THREE WORDS taken from the recording for each answer in the spaces provided. 11. What are emotions the driving force behind? Many behaviors 12. What is the brain wired to detect? Threats or rewards 13. What are the stress hormones released during a threat? Adrenaline, cortisol 14. Which part of the brain activates first in emotional situations? Feeling region 15. What can influence our emotions besides subconscious responses? Thinking TRANSCRIPT When we hear the word emotion, most of us think of love, hate, happiness, or fear. Those strong feelings we experience throughout life. Our emotions are the driving force behind many of our behaviors: helpful and unhelpful, just where do our emotions come from. Our brain is wired to look for threats or rewards. If one is detected the feeling region of the brain alerts us through the release of chemical messages. Emotions are the effect of these chemical messages traveling from our brain through the body. When our brain detects a potential threat our brain releases the stress hormones adrenaline and cortisol which prepare us for a fight-or-flight response. when we detect or experience something rewarding such as someone doing something nice for you, our brain releases dopamine, oxytocin, or serotonin. These are the chemicals that make us feel good and motivate
4 us to continue on the task or behavior. In these instances, the feeling region of the brain kicks in before the thinking part. Sometimes the reactions of the feeling brain are so strong that it dominates our behaviors and we're unable to think rationally in the moment. Our emotions hijack our brain. While many of our emotional responses have been subconsciously, our thinking can influence our emotions and sometimes this can be unhelpful. Just thinking about something threatening can trigger an emotional response. This is where we can manage our emotions with conscious thinking. Our emotions play a powerful role in the way we experience the world. Understanding and regulating our emotions through our thoughts and behaviors can help us take greater control of our brain and achieve our goals. Part 3. For questions 16-20, listen to part of a radio interview with a travel writer called Marina Vardy, and decide whether each of the following statements is True (T), False (F), or Not Given (NG) according to what you hear. Write T, F, or NG in the corresponding numbered boxes provided. 16. Marina has always loved the ocean and sailing. F 17. The voyage made Marina a more positive person. T 18. Marina often doubts the quality of her writing. T 19. Marina's grandmother is the person that is interested in her writing. NG 20. Marina prefers writing about bad experiences to the good ones. NG TRANSCRIPT Interviewer: With me in the studio today I have travel writer Marina Vardy. Marina, how did you get started travelling? Marina: People often think that those who travel are running away from something. They're right. Aged 24, I decided to run. away from a dull job. and a life that had grown stagnant. I set out to find something more, though I had no idea what’s something more looked like. Thanks to a chance encounter, I met a woman in a café who had a humble sailboat and a dream of exploring the world. Against my better judgement, I decided on the spur of the moment to accept her spontaneous suggestion to join her, despite the fact that I've always had a morbid fear of deep water. Interviewer: And you didn't regret it. Marina: At times I did, especially at the beginning, but, rather to my own amazement, I got used to putting up with all sorts of physically difficult situations. That voyage changed the course of my life, It turned me into a travel witer and an adventurer, but above all it made me an optimist. I couldn't have asked for more. Interviewer: Mm. What made you get started in writing? Marina: Oh, that happened a good while before I set off travelling and I was inspired to write by what I saw. At about 12, I wrote a little verse that, included the line: People say I take after my dad. He went bald and