Questions 22 to 25 are based on the conversation you have just heard.

A．Setting goals and stick to them.
B．Asking their friends to always watch them.
C．Finding out what they are really interested in.
D．Finishing the difficult task first.

A．Banks should introduce higher rates for savings to attract customers.
B．People of all ages are eager to receive something for nothing.
C．TV advertisements are more effective than advertisements in newspapers and journals.
D．To advertise for a bank is quite a tough job.