11. Li also persuaded four banks’ including HSBC Holding, … him $11 billion, a record in Hong Kong. 1) to lend 2) lending 3) to have been lending 4) being lent 12. If you are 65, you … a pension of $400, 000 per year. 1) got 2) don’t get 3) will get 4) gets 13. If someone … me a better job, I will think about seriously. 1) offers 2) will offer 3) offering 4) offer 14. Making products or … services of good quality should be important for every company. 1) provide 2) having provided 3) providing 4) being provided 15. He is the only person here who … analyze the situation properly. 1) have to 2) can 3) might 4) are to 16. Banking, insurance and tourism … important to the country’s economy. 1) are 2) to be 3) is 4) was 17. Most working people … to pay about a third of their income to the government. 1) must 2) have 3) should 4) has 18. Businesses should … all their customers fairly in all aspects of their business transactions. 1) to treat 2) treating 3) treat 4) treats 19. She … Economics at university and is now an economist with a big international company. 1) study 2) will study 3) studied 4) to study 20. The banks … at 7 o’clock in the evening. 1) closes 2) close 3) is closed 4) is closing 21. If the meeting … late, I will spend the night in London. 1) will finish 2) finish 3) finishes 4) would finish 22. If we opened an office in Tokyo I … in working there. 1) would be interested 2) will be interested 3) am interested 4) is interested 23. If I … harder when I was at school, I could have had a better job. 1) wouldhaveworked 2) hadworked 3) worked 4) work 24. If I … the Prime Minister, I would raise taxes and spend more money on education. 1) am 2) were 3) will be 4) was 25. I appreciate … the raise. 1) to have 2) having 3) have 4) has