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1. – 15. sorularda, cümlede boş bırakılan yerlere uygun düşen sözcük ya da ifadeyi bulunuz.


001. The genetic fingerprinting technique, which was developed in the UK and is now used as a ................. of legal identification, determines the pattern of certain parts of the genetic material DNA that is unique to each individual.

A) benefit     B) structure      C) sufficiency      D) combination      E) means

002. In existentialism, it is argued that people are responsible for, and the ................. judge of, their actions.

A) expansive     B) sole      C) previous      D) irresistible      E) prevalent

003. By the start of the 1990s, popular music had become ................. globalized, with seventy per cent of all production resting in the hands of just five companies.

A) possibly      B) rarely      C) negligently      D) significantly      E) respectively

004. The League of Nations, established in Geneva in 1920, included representatives from states throughout the world, but was severely weakened by the US decision not to become a member, and had no power to ................. its decisions.

A) impress       B) compel        C) accomplish        D) implicate        E) enforce

005. In the resort areas of Greece, travel agents offer a wide range of excursions on air-conditioned coaches ................. qualified guides.

A) accompanied by         B) put up with         C) adapted to

D designed for                 E) turned into

006. The ruins of ancient Troy ................. as breath-taking as those of Ephesus or Aphrodisias, but, for anyone who has ever read Homer’s Iliad or Odyssey, they have a romance few places on Earth ................. .

A) have not been / hoped to have matched

B) had not been / would hope to match

C) may not be / can hope to match

D) are not / hoped to match

E) could not have been / hope to match

007. Nineteenth-century military helmets ................. than they now appear, but even at their best they ................. the way to the future of head protection.

A) have been better designed / do not point

B) could be better designed / would not point

C) are better designed / will not point

D) may have been better designed / did not point

E) can be better designed / had not pointed

008. Cabbage ................. as early as 2000 B.C., and the commercial varieties now ................. Brussels sprouts, common cabbage, sprouting broccoli, and kohlrabi.

A) might have been cultivated / have included

B) had been cultivated / included

C) would be cultivated / used to include

D) would have been cultivated / can include

E) was cultivated / include

009. Foreign policy is composed of the goals sought, values set, decisions made and actions taken ................. states and the national governments acting ................. their behalf.

A) by / on         B) about / for          C) at / from

D) over / between             E) in / among

010. A priori knowledge ................. Western philosophy is knowledge that is independent ................. all particular experiences, as opposed to a posteriori knowledge, which derives from experience alone.

A) at / for              B) in / of              C) through / by

D) beside / towards           E) with / from

011. ................. not all negative thoughts and feelings are bad for health, specific emotional states, especially stress and depression, have now been linked to heart trouble of all kinds.

A) When               B) Suppose that               C) As if

D) Whenever         E) Though

012. The Danish poet and novelist Jeppe Aakjær grew up in the Jutland farming area and ................. was well aware of the harsh conditions endured by farm labourers in his country.

A) on the contrary        B) even so         C) so         D) still          E) nevertheless

013. ................. the US and Brazil both occupy the American continent, the northern location of the former and the southern location of the latter plainly mark a real distinction and bring important policy consequences.

A) As long as        B) Now that        C) Only if         D) After         E) Although

014. ................. Windsor Castle, occupying ................. area of 287 hectares, is among the most beautiful royal residences in Europe.

A) The / an          B) This / such an           C) An / the

D) The most / such          E) That / some

[Bu sorunun "E" şıkkında baskı hatası olarak büyük harfle başlatıldığı anlaşılan "Some" sözcüğü burada tarafımdan düzeltilmiştir.]

015. Geometry is usually divided into pure geometry, which roughly embraces the plane and solid geometry dealt with by Euclid, and analytical or coordinate geometry, ................. problems are solved using algebraic methods.

A) in that       B) in which       C) by whom       D) which       E) whichever


16. – 20. sorularda, aşağıdaki parçada numaralanmış yerlere uygun düşen sözcük ya da ifadeyi bulunuz.

However hazy their grasp of astronomy may be, most adults hold several beliefs with some certainty. They believe, for example, that the Earth is round and that it revolves around another, larger round body (the Sun), (16) ---- a smaller round body (the Moon) revolves around it. They also believe (17) ---- certain familiar phenomena, such as the day-night cycle and the seasons, depend on the movements and relative positions of the Earth, Sun, and Moon. But how do adults come to form such beliefs? The facts of astronomy are hardly evident in everyday experience; if anything, the reverse (18) ---- to be true. Children experience an apparently flat earth from which they see the Sun move (19) ---- the sky, and they learn things that seem incompatible with the notion that people could somehow live on the surface of a large ball. Is the development of adult-level understanding, therefore, simply a matter of suppressing childish beliefs and gradually (20) ---- the views of modern adult society?

016. A) after       B) as if       C) where       D) while       E) if

017. A) in that       B) as       C) those       D) since       E) that

018. A) must have been argued        B) could be argued         C) will be argued

        D) might have been argued       E) would have been argued

019. A) along       B) about       C) among       D) across       E) aboard

020. A) accepting         B) eliminating         C) recovering

        D) maintaining       E) overloading


21. – 25. sorularda, aşağıdaki parçada numaralanmış yerlere uygun düşen sözcük ya da ifadeyi bulunuz.

The Pergamum of Eumenes II is remembered (21) ---- for its library. Said to have held more than 200,000 volumes, the library was a symbol of Pergamum’s social and cultural status. Eumenes was a passionate book collector, and his library came to challenge the world’s greatest one in Alexandria (700,000 books). Afraid that the Pergamum library (22) ---- famous scholars away from Alexandria, the Egyptians cut off the supply of papyrus from the Nile. Never one to refuse a challenge, Eumenes set his scientists to work and they (23) ---- pergamen (Latin for parchment), a writing surface made from animal hides rather than pressed papyrus reeds. (24) ---- the end, however, it was the Egyptians who had the last laugh. (25) ---- the library at Alexandria was damaged by fire, Mark Antony pillaged the one at Pergamum for books to give to his beloved Cleopatra.

021. A) with a view       B) as well as         C) most of all

        D) enough             E) just in case

022. A) attracted          B) would attract          C) might have attracted

        D) will attract        E) may attract

023. A) came up with       B) stepped over         C) stood against

        D) ran over              E) carried on with

024. A) Off         B) In          C) By          D) Through          E) To

025. A) Even though        B) Until        C) In case        D) Even if        E) When


26. – 35. sorularda, verilen cümleyi uygun şekilde tamamlayan ifadeyi bulunuz.


026. Although the British Royal Navy claims that it was not operating any warships in the area at the time, ................. .

A) underwater noise hasn’t been fully recognized as a form of pollution
B) it must have been military sonar that killed the whales and dolphins
C) there are no hard and fast guidelines for seismic surveys
D) the UK would have had 25 warships which carried active sonar
E) a number of marine mammals beached themselves during this American military operation

027. Half of the increase in EU Aid for Trade is specifically targeted toward the African, Caribbean and Pacific countries (ACP), ................. .

A) unless the European Commission set up this programme to promote investment and
technology flow in these countries
B) although the EU has used trade to advance its development cooperation objectives in the ACP nations for decades
C) with which the EU is negotiating regional Economic Partnership Agreements designed to
remove all tariff and quota barriers to the EU market
D) which could have enabled the least-developed countries to use trade more effectively to achieve their development goals
E) because the European Commission allocated billions of dollars for cooperation with non-ACP countries

028. ................. , but just over 1 per cent of them spend the night in Umbria, in the south of Tuscany.

A) Visitors to Lake Trasimeno will see few other tourists
B) Perugia is home to a world-famous jazz festival in the summer and a chocolate festival in the fall
C) In the town of Deruta, handmade gift-items fill many shop windows
D) Tuscany attracts more than 12 per cent of all visitors to Italy
E) Scenic stone hilltowns such as Assisi and Gubbio are among the main attractions

029. If labour could be measured adequately in simple homogeneous units of time, such as labourhours, ................. .

A) it covers many other kinds of areas as well, such as social security and worker satisfaction
B) a change in the organization of the community’s labour would be likely to increase the annual production of wealth
C) earlier economists failed to find a simple relation between the value of a product and the quantity of labour that it embodied
D) different uses of the available supply of labour need to be considered
E) the problems of economics would be considerably simplified

030. ................. , where they are often seen floating in the water like logs, with only their nostrils, eyes, and ears above the surface.

A) The Mississippi alligator, the American crocodile, and the Chinese alligator are the only other species
B) Crocodiles are found near swamps, lakes, and rivers in Asia, Africa, Australia, and Central America
C) As recently as several decades ago, crocodiles were plentiful in much of the tropics and subtropics
D) This would have helped crocodiles to adapt to different environments
E) Crocodiles can grow up to 7 metres in length, and have long, powerful tails that propel them when swimming

031. While some argue that the Elgin Marbles, ................. , are more carefully preserved there, the Greek government does not accept the legality of the sale that took place in 1816 and believes they belong in Athens.

A) after they were acquired from the Ottoman authorities of the time
B) since they are also called the Parthenon Marbles
C) so they are very famous indeed
D) which are kept in the British Museum in London
E) as if they were sold to the British nation

032. A colour-blind person cannot see any difference between two colours ................. .

A) while to people with normal sight they are clearly different
B) as if red and green were completely different
C) if this were the case with traffic-lights
D) since this is a potentially dangerous situation
E) whether the top light or the bottom light signals “stop”

033. All the major cities and islands of Spain have airports, ................. .

A) but buses will be a faster and more frequently used option between smaller towns
B) until Spain has an increasingly efficient transportation system
C) even if both the road and rail networks were greatly improved during the 1980s and in the run-up to the Barcelona Olympics in 1992
D) so in much of rural Spain, public transportation is limited and a car is the most practical solution for getting around
E) though only a few of them cater to international flights

034. In the US in 1882, Peter J. McGuire, who is generally given credit for the idea of Labor Day, suggested to the Central Labor Union of New York ................. .

A) if there was any particular significance for the date
B) that there should be a holiday honouring American workers
C) whether the significance of Labor Day in the US had changed
D) whereas, in many other countries, May Day serves a similar purpose
E) when the first Monday in September was to be known as Labor Day

035. Germany is similar in many ways to France, Italy and the UK ................. .

A) unless it attaches primary importance to both multilateral and bilateral diplomacy
B) as though the EU were essentially in control of environmental policies
C) where the foreign policy process in Germany had to agree to a compromise in recent years
D) although this had led to arguments concerning the proper role of the German Foreign Ministry in shaping and implementing policy
E) in that it is one of just a few European states which attempt to maintain worldwide representation


36. – 40. sorularda, verilen İngilizce cümleye anlamca en yakın Türkçe cümleyi bulunuz.


036. People spend energy when they are physically active, but they also spend energy when they are resting quietly.

A) İnsanlar, bedensel olarak etkin olduklarında enerji harcarlar, ama sakin bir şekilde dinlenirlerken de enerji harcarlar.

B) İnsanların bedensel olarak etkin olması, onların enerji harcamalarına yol açar; ancak, hiç hareket etmediklerinde de enerji harcarlar.

C) Bedensel olarak etkin olduklarında enerji harcayan insanlar, sakin olduklarında da enerji harcarlar.

D) İnsanlar, bedensel etkinlikte bulunurlarsa enerji harcaması olur, ama hiç hareket etmezlerse de enerji harcaması olur.

E) Bedensel etkinlikte bulunan insanlar enerji harcarlar; ancak, bu insanların enerjileri dinlendiklerinde de harcanır.

037. Many people believe that an ulcer is caused by stress or spicy foods, but this is not the case.

A) Stresin veya baharatlı yiyeceklerin ülsere neden olduğu çoğu insanın kanısıdır, fakat bu hiç de doğru değildir.
B) Birçok insan, ülserin oluşmasında stresin veya baharatlı gıdaların etkili olduğuna inansa da, gerçek durum böyle değildir.
C) Çok sayıda insanın inancına göre, stres veya baharatlı gıdalar sıklıkla ülsere yol açmaktadır, ancak durum öyle değildir.
D) Pek çok insan, ülserin, stres veya baharatlı gıdalar nedeniyle oluştuğuna inanır, ancak durum böyle değildir.
E) Ülserin özellikle stresin veya baharatlı yiyeceklerin sonucu olarak ortaya çıktığına birçok insan inanmaktadır, ancak işin gerçeği bu değildir.

038. In addition to traffic fatalities, alcohol use has been implicated in many other deaths among young people, including drownings, falls, suicides, and homicides.

A) Gençler arasında alkol kullanımı, trafik ölümlerinden başka, boğulmalar, düşmeler, intiharlar ve cinayetler gibi diğer ölüm türlerinin de nedeni olmuştur.
B) Gençler arasındaki alkol kullanımı, trafik ölümlerinin yanı sıra, boğulmalar, düşmeler, intiharlar ve cinayetler gibi diğer pek çok çeşit ölüme yol açabilmektedir.
C) Alkol kullanımı, gençler arasında, trafik ölümlerine ek olarak, boğulmalar, düşmeler, intiharlar ve cinayetler dahil diğer birçok ölümün nedeni olmuştur.
D) Trafik ölümlerinden ayrı olarak, boğulmalar, düşmeler, intiharlar ve cinayetler, alkol kullanımı nedeniyle gençler arasında yaygın olan diğer ölüm biçimleridir.
E) Alkol kullanımı nedeniyle, trafik ölümlerinden ayrı olarak, gençler arasında yaygın olan diğer ölüm biçimleri, boğulmalar, düşmeler, intiharlar ve cinayetlerdir.

039. We are proud to be part of a programme that gives these often overlooked but extremely talented athletes long-overdue recognition.

A) Son derece yetenekli olsalar da bugüne kadar ihmal edilmiş olan bu atletlere hak ettikleri itibar, katılmaktan bizim de kıvanç duyduğumuz bu programla sağlanmaktadır.
B) Bizim de gururla dahil olduğumuz program, bugüne kadar unutulmuş, ancak üstün yeteneklere sahip tüm bu atletlere hak ettikleri itibarı sağlamaktadır.
C) Biz hepimiz, çoğu kez önemsenmemiş, ancak üstün yetenekleri olan tüm bu atletlere hak ettikleri itibarı sağlayan bir programda yer almaktan son derece kıvançlıyız.
D) İçinde yer almaktan son derece kıvanç duyduğumuz bu programla, bugüne kadar önemsenmeyen, ancak yetenekleri en üstün olan bu atletlere hak ettikleri itibar sağlanmaktadır.
E) Biz, çoğu kez önem verilmemiş, ancak son derece yetenekli bu atletlere çoktan hak ettikleri itibarı sağlayan bir programın parçası olmaktan gurur duyuyoruz.

040. The purpose of this training is to accustom the soldiers of the United Nations Peacekeeping Forces to working in a dangerous but largely civilian environment.

A) Bu eğitimle, Birleşmiş Milletler Barış Gücü askerlerinin tehlikeli fakat çoğunlukla sivil bir çevrede çalışma ve görev yapmaları amaçlanmaktadır.
B) Birleşmiş Milletler Barış Gücü askerlerini tehlikeli ancak sivil bir çevrede görev yapmaya alıştırmak bu eğitimin asıl amacını oluşturmaktadır.
C) Bu eğitimin amacı, tehlikeli ancak çoğunlukla sivil bir çevrede, Birleşmiş Milletler Barış Gücü askerlerinin görevlerini yerine getirmelerini sağlamaktır.
D) Bu eğitimin amacı, Birleşmiş Milletler Barış Gücü askerlerini, tehlikeli fakat çoğunlukla sivil bir çevrede çalışmaya alıştırmaktır.
E) Bu eğitimle amaçlanan, Birleşmiş Milletler Barış Gücü askerlerinin son derece tehlikeli ancak çoğunlukla sivil bir çevrede görev için çalışmalarını sağlamaktır.


41. – 45. sorularda, verilen Türkçe cümleye anlamca en yakın İngilizce cümleyi bulunuz.


041. 1996’da bir Güney Kore araştırma gemisi, Güney Korelilerin “Dokdo,” Japonların ise “Takeshima” dedikleri bir grup adaya yakın ihtilâflı sulara girerek Japonya’nın öfkesine yol açtı.

A) In 1996, a South Korean research vessel aroused Japanese anger by entering disputed waters near a group of islands that the South Koreans call “Dokdo” and the Japanese
B) It was in 1996 that, when a South Korean research vessel entered disputed waters around a group of islands called “Dokdo” by the South Koreans and “Takeshima” by the Japanese, the Japanese people got exceedingly angry.
C) Upon the entry of a South Korean research vessel in 1996 into disputed waters surrounding a group of islands which the South Koreans call “Dokdo” and the Japanese “Takeshima,” a great deal of anger was aroused among the Japanese people.
D) In 1996, the Japanese people were angered since a South Korean research vessel had entered disputed waters near a group of islands called “Dokdo” by the South Koreans, and
“Takeshima” by the Japanese.
E) In 1996, disputed waters surrounding a group of islands, which the South Koreans call “Dokdo” and the Japanese “Takeshima,” were entered by a South Korean research vessel, causing much anger in Japan.

042. Göğüs kanseri hakkındaki korkunun bir kısmı, bu hastalığın tehlikelerine ilişkin yanlış bilgiye ve yanlış anlamaya dayanmaktadır.

A) There is so much misinformation as well as misunderstanding about the risks of breast cancer that it has led to a great deal of fear about this disease.
B) Misinformation and misunderstanding with regard to the risks of breast cancer have caused people to fear this disease.
C) The risks of breast cancer are such that misinformation and misunderstanding about this disease have been the cause of much fear.
D) Some of the fear about breast cancer is based on misinformation and misunderstanding concerning the risks of this disease.
E) Breast cancer involves various risks, but some of the fear about this disease mainly derives from misinformation and misunderstanding concerning it.

043. Siyasî bir dahi, ancak bir ekonomi amatörü olan Başkan Bill Clinton’ın en kayda değer başarısı, Beyaz Saray’da bulunduğu sekiz yıl boyunca,Amerika’nın ekonomik temeline gerçekten yeni bir güç katılmasıdır.

A) During the eight years President Bill Clinton was in the White House, the American economic base was remarkably strengthened by the truly new power which, as an economic amateur, but a political genius, he put into it.
B) During his eight years in the White House, President Bill Clinton, who was a political genius but an economic amateur, achieved great success by adding a great deal of new power to the heart of the American economy.
C) As a political genius, but an economic amateur, President Bill Clinton’s most controversial success was in fact the new power which he injected into the core of the American economy during his eight years in the White House.
D) During the eight years he spent in the White House, President Bill Clinton, a political genius, though an economic amateur, put real new power into America’s economic base.
E) The most remarkable achievement of President Bill Clinton, who was a political genius but an economic amateur, was that, during the eight years he was in the White House, truly new power was added to America’s economic base.

044. İklim değişikliği ile ilgili çoğu bilim adamı, kentlerin, çevrelerinden daha sıcak olduğu ve bulut oluşumuna neden olan dikey hava akımları yarattığı görüşündedir.

A) Most scientists concerned with climate change are of the opinion that cities are hotter than their surroundings and create updrafts of air causing cloud formation.
B) A number of scientists dealing with climate change maintain that, as cities are much hotter
than the surrounding environment, updrafts of air occur over them and lead to cloud formation.
C) As many scientists studying climate change have suggested, since cities are relatively warmer than their surroundings, there are updrafts of air over them which bring about cloud formation.
D) Many scientists who are experts in climate change are convinced that cloud formation
results from updrafts of air over cities, which are usually hotter than their surroundings.
E) A lot of scientists who are specialists in climate change have argued that, because cities are far hotter than their surroundings, this causes updrafts of air which lead to cloud formation.

45. Çoğu oyunda, bize sunulan dünya ne denli gerçek dışı olursa olsun, bizden onu geçici olarak gerçek dünya gibi görmemiz beklenir.

A) In a variety of plays, the world presented to us may be unreal, but it is expected that, at least temporarily, we take it for the real world.
B) In most plays, however unreal may be the world presented to us, we are expected to regard it temporarily as the real world.
C) The world presented to us in most plays may be unreal, even though we are expected to consider it for some time to be the real world.
D) In a number of plays, we are presented with an unreal world, which is to be understood by us, at least for a certain period, as the real world.
E) We are expected temporarily to take for real the unreal world which we see presented in most plays.


46. – 51. sorularda, boş bırakılan yere, parçada anlam bütünlüğünü sağlamak için getirilebilecek cümleyi bulunuz.


046. An independent city close to Berlin, Potsdam has almost 150,000 inhabitants and is the capital of Brandenburg. ........................... . The town blossomed in the 1600s, during the era of the Great Elector, and then again in the 18th century, when the splendid summer palace, Schloss Sanssouci, was built for Frederick the Great. Potsdam suffered badly in World War II, particularly on April 14 and 15, 1945, when the Allies bombed the town centre.

A) The Marmorpalais (Marble Palace) is located on the edge of the lake in the Neuer Garten, a park northeast of Potsdam’s centre
B) Despite its wartime losses, Potsdam is today one of Germany’s most attractive towns
C) The Schloss Cecilienhof played an important role in history in 1945, when it served as the venue for the Potsdam Conference
D) The first documented reference to the town dates from A.D. 993; it was later granted
municipal rights in 1317
E) Tourists flock to see the magnificent royal estate, Park Sanssouci, and to stroll in the Neuer Garten

047. ........................... . For instance, Alpine scenery predominates in the Tatra Mountains to the south, while the north is dominated by lakes. Mountain lovers can make use of the well-developed infrastructure of hostels and shelters, such as those found in the Tatras. The countless lakes of Warmia and Mazuria, collectively known as the Land of a Thousand Lakes, are a haven for water-sports enthusiasts.

A) Since 1989, many new luxury hotels have been built in Poland and the majority of them belong to international hotel chains
B) Poland’s borders have changed continually with the course of history
C) Bordering the Baltic Sea, Poland is one of the largest countries in Central Europe, with a
population of around 39 million
D) Warsaw, the capital of Poland, is located at the centre of Poland, on the banks of the Vistula River
E) Although situated on the plains of Central Europe, Poland has an extremely varied landscape

048. The Scandinavian countries – Denmark, Norway, Sweden, and Finland – are, arguably, among the least-populated countries in Europe. ........................... . Away from the main towns and cities lie vast expanses of unspoiled, often wild terrain, from the breathtaking Norwegian fjords to the dense pine forests and clear lakes of Finland. Smaller and largely flat and rural, Denmark shares characteristics with both mainland Europe and Scandinavia proper.

A) In Norway, Sweden, and Finland, the majority of the population lives in the south, in affluent, modern cities, which are also rich in history and tradition
B) Sweden is Europe’s fifth-largest country, with an area about the size of California
C) Finland’s main cities are all served by an efficient railroad system and regular, inexpensive internal flights
D) Norway is so long and narrow that, if Oslo remained fixed and the rest were turned upside down, it would stretch all the way to Rome
E) Oslo, Norway’s capital, is an attractive city of grand Neoclassical buildings, wide boulevards, and green open spaces

049. With more than 600 species of orchids, Nicaragua is prime territory for one of nature’s most exquisite treasures. The Selva Negra Mountain Resort in the central part of the country boasts at least 140 species in its grounds, with 14 hiking trails that make orchid sightings anything but rare. ........................... . The best time to visit this particular region is in the dry season, from February to May, when there is little rain and temperatures are cool.

A) The dodsoniana, one of these newly identified species, was found just 4 years ago
B) Five new species have been discovered in recent years in other parts of the country
C) Selva Negra is situated in a cloud forest – an ecosystem ideal for orchids and other air plants
D) If an orchid’s growing conditions are gradually modified to acclimatize it to a new location, the plant can make a healthy transition
E) In fact, the Stanhopea flower looks like a hovering butterfly, and some are very aromatic, with a fragrance of vanilla or hot chocolate

050. Ballet is theatrical representation in dance form in which music also plays a major part in telling a story or conveying a mood. Some such form of entertainment existed in ancient Greece. ........................... . From there, it was taken by Caterina de’ Medici in the 16th century to France in the form of a spectacle combining singing, dancing, and speech. During the 18th century, there were major developments in technique, and ballet gradually became divorced from opera, emerging as an art form in its own right.

A) Ballet developed in the UK through the influence of Marie Rambert
B) But Western ballet as we know it today first appeared in Renaissance Italy, where it was a form of court entertainment
C) Ballet developed further in the USA through the work of George Balanchine and the American Ballet Theater
D) In fact, it was drama, rather than ballet, which greatly appealed to the Greeks
E) In the 20th century, Russian ballet had a vital influence on the classical tradition in the West

051. In finance, interest, which is a sum of money paid by a borrower to a lender in return for the loan, is usually expressed as a percentage per annum. ........................... . In compound interest, the interest earned over a period of time is added to the principal, so that at the end of the next period, interest is paid on that total.

A) Nevertheless, certain problems remain in perennial interest, and these fall into two main groups
B) The theory of capital was not a matter of primary concern to economists in the late 20th century
C) Simple interest is calculated as a straight percentage of the amount loaned or invested, called the principal
D) However, it may be expressed either in money terms or as a rate of payment
E) Various theories have been developed to account for and justify interest


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