Action is needed，__12__simply aiming to reduce the__13__(and cost)of public pensions，or trying to__14__the role of privately funded pensions within the system，though necessary steps，may be__15__to deal with the dependency challenge. After years of__16__early retirement schemes to avoid__17__and higher unemployment，many governments are now looking__18__persuading people to stay in work until they are older. Surely，the thinking goes，if we are healthier now and jobs are physically less__19__and unemployment is down，then perhaps the__20__rate should rise anew.
    
    1.[A] unsolvable [B] additional [C] unsustainable [D] undue
    
    2.[A] delaying [B] retaining [C] detaining [D] hindering
    
    3.[A] ultimate [B] unattainable [C] specific [D] expensive
    
    4.[A] substantial [B] essential [C] potential [D] controversial
    
    5.[A] donating [B] sponsoring [C] subsidizing [D] funding
    
    6.[A] outlook [B] outcome [C] outbreak [D] outset
    
    7.[A] prolonging [B] expanding [C] soaring [D] rising
    
    8.[A] in [B] on [C] by [D] for
    
    9.[A] conceived [B] reckoned [C] expected [D] meant
    
    10.[A] As [B] Such [C] So [D] It
    

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