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Flaps in their nose, throat and ears close to keep water out, and transparent membranes protect their eyes when it permitted them to sea or hunt underwater as well as on the surface.

(A)NO CHANGE

(B) while permitting

(C) to have permitted

(D) permits

The Correct Answer

Then the microlending institution, such as Women's World Banking, makes a small loan (as little as $50) to, for example, an artisan or a food vendor (whom) would not qualify for a loan from a commercial bank.

(A)NO CHANGE (B) whose (C) for whom (D) who

Correct Answer: D

I find myself looking forward to the time when my dog and I will be the only one's on the beach again.

(A)NO CHANGE (B) ones’ (C) one (D) ones

Correct Answer: D

After he died, it was a language I never heard again—that is, until I heard myself struggling with the words he would use so easily all those years ago, his voice coming back as vividly as if he were next to me once again, pointing to the page, guiding me.

(A)NO CHANGE (B) would (C) would of used (D) had used

Correct Answer: D

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