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 (1)______use, while (1)______
the other is accepted almost everywhere. The
application for the use of the latter one must be made at a
(2)______. (2)______
Once the customer starts using the card, he will
be provided with a monthly statement of (3)______ (3)______
by the credit company. He is required to pay one
quarter to half of his credit (4)______every (4)______
month.
Advantages. 1. With a card, it is not
(5)______to save up money before an actual pur- (5)______
chase. 2. If the card is lost, its owner is protected.
3. A (6)______and complete list of purchase (6)______
received from the credit company helps the owner to
remember the time and (7)______of his purchase. 4. (7)______
The cards are accepted in a(n) (8)______by (8)______
professional people like dentists, etc.
Major disadvantage. The card owner is tempted
to (9)______his money. If this is the case, it will (9)______
become increasingly difficult for the user to keep up
with the required (10)______, which will result in (10)______
the credit card being cancelled by the credit company.

An important purpose of this federal system was to. protect the rights of its different nationalities. There is a saying in Yugoslavia that roughly translates as follows; Yugoslavia has seven neighbors, six republics, five nationalities, four languages, three religions, two alphabets, and one dinar.
Yugoslavia’s political fragmentation has long been a source of problems. Nationalities other than the five officially recognized claim they are victims of discrimination. For example, 90 percent of the residents of the southern region of Kosovo are Albanians, but Yugoslavia does not recognize Albanian as a distinct nationality. Kosovo’s official status is an autonomous region administered by Serbia, but in recent years Serbia has taken over direct rule of the region, under the pretext that the Albanians were threatening to detach Kosovo from Yugoslavia and unite it with the neighboring state Of Albania. A similar situation has existed in Vojvodian, another autonomous region administered by Serbia, where ethnic Hungarians lack official recognition as one of Yugoslavia’ s nationalities.Another problem for Yugoslavia has been competition among republics for resources, rather than cooperation to develop the country’s economy as a whole. For example, from the viewpoint of international competitiveness, Yugoslavia should concentrate its resources to modernize and expand one large port, but each republic has wanted its own port. Instead of one large port, Yugoslavia has had several medium-sized ones that are less successful at attracting foreign trade.
Regional cooperation has also been hurt by economic differences among the republics. Slovenia, which borders Austria and Italy and contains only about 8 percent of Yugoslavia’s population, has generally produced about 18 percent of the gross national product and 25 percent of the exports. With average incomes twice the national level, Slovenes have estimated that one-fourth of their production goes to subsidizing the economies of the poorer republics in the south.