C) often proves unreliable

D) often tells whether he likes the subject or not

34. If a student graduated from a university which does not require exams he would _______.

A) have to continue his studies C) be incompetent

B) have a feeling of failure D) not be admitted by foreign institutions

35. According to the letter, those who dislike the idea of examinations are probably afraid of

________ .

A) competing with other students C) working too hard

B) being graded unfairly D) being dismissed from school

　

Questions 36 to 40 are based on the following passage:

　

Time was -- and not so many years ago, either -- when the average citizen took a pretty dim view of banks and banking. That this was so, it should be said, was to no small extent the fault of banks and bankers themselves. Banks used to be -- and a few still are -- forbidding (令人生畏的) structures. Behind the little barred windows were, more often than not, elderly gentlemen whose expression of friendliness reflected the size of the customer`s account, and nothing less than a few hundred thousand in the bank could have inspired the suggestion of a smile.

And yet the average bank for many years was, to the average citizen, a fearful, if necessary, instrument for dealing with business -- usually big business. But somewhere in the 1930`s banks started to grow human, even pleasant, and started to attract the little man. It is possible that this movement began in medium-sized towns, or in small towns where people know each other by their first names, and spread to big towns. At any rate, the results have been remarkable.