12.
(A) resilient
(B) tentative
(C) conscientious
(D) philanthropic

8. The recession is really affecting everything right now. The brick-and-mortar retailers are having a hard time keeping their doors open because people in general just do not have the _______ income that they used to have. (A) discretionary (B) respiratory (C) intermediary (D) preliminary

9. When trying to work out schedule conflicts or problems with coworkers or contemporaries from other companies, it’s important in the West to be as ________ and polite as possible throughout the process. Things like last-minute cancellations or lateness are considered quite rude, as is abruptness or any perceived unwillingness to at least try to work with the other person’s time frame. (A) highflying (B) captivating (C) accommodating (D) fledgling

10. Eviction _______ don’t keep arrears from piling up, and aid to renters may not reach the most vulnerable, who are struggling with a loss of income and with the insecurity of not knowing how long they will have a home in that their savings depleted, resulting in their running up credit card debt to make the rent or accruing months of overdue payments. (A) moratoriums (B) credentials (C) prerequisites (D) specifications

11. (A) decorum (B) infrastructure (C) rendition (D) synchronization

13. (A) abdicate (B) relinquish (C) exonerate (D) funnel

14. (A) plunging (B) accompanying (C) deteriorating (D) plummeting

15. (A) fluctuated (B) grumbled (C) pitched (D) excoriated

16. (A) does not reciprocate (B) did not reciprocate (C) had not reciprocated (D) had not been reciprocated

17. (A) depends (B) to depend (C) depending (D) depended

18. (A) floating first (B) floated first (C) was first floated (D) having floated first