SECTION D NOTE-TAKING & GAP-FILLING
　　Directions: In this section you will hear a mini-lecture. You will hear the lecture ONLY ONCE. While listening to the lecture, take notes on the important points. Your notes will not be marked, but you will need them to complete a 15-minute gap-filling task on ANSWER SHEET ONE after the mini lecture. Use the blank sheet for note-taking.

　　ANSWER SHEET ONE　
　　Fill in each of the gaps with ONE suitable word. You may refer to your notes. Make sure the word you fill in is both grammatically and semantically acceptable.　
　　In business, many places adopt a credit system, which dates back to ancient times. At present, purchases can be made by using credit cards. They fall into two categories: one has (16) use, while the other is accepted almost everywhere. The application for the use of the latter one must be made at a (17) .　
　　Once the customer starts using the card, he will be provided with a monthly statement of (18) by the credit company. He is required to pay one quarter to half of his credit (19) every month.　
　　Advantages. 1. With a card, it is not (20) to save up money before an actual purchase. 2. If the card is lost, its owner is protected. 3. A (21) and complete list of purchase received from the credit company helps the owner to remember the time and (22) of his purchase. 4. The cards are accepted in a(n) (23) by professional people like dentists, etc.
　　Major disadvantage. The card owner is tempted to (24) his money. If this is the case, it will become increasingly difficult for the user to keep up with the required (25) , which will result in the credit card being cancelled by the credit company.