Professional Documents
Culture Documents
Apostila Exercícios Cfo 2015
Apostila Exercícios Cfo 2015
A) the meltdown should easily have started in a country larger and more costly to bail out than Greece.
B) the meltdown would easily have started in a country larger and more costly to bail out than Greece.
C) the meltdown will easily have started in a country larger and more costly to bail out than Greece.
D) the meltdown must easily have started in a country larger and more costly to bail out than Greece.
E) the meltdown might easily have started in a country larger and more costly to bail out than Grece.
Catch me if you can
For years, it was simple: men over 50 would have regular blood tests to screen for prostate cancer. But last October,
the U.S. Preventive Services Task Force scrapped the recommendation after concluding that the screenings did not,
after all, save lives. The change was just the latest in a series of cancer-prevention reversals. We have seen
enthusiasm wane for routine mammography while experts still cant quite agree on how best to screen smokers for
lung cancer.
Why has all of this become so confusing?
We have been spoiled. The first screening test, the Pap smear, remains by far the best: it is cheap, relatively painless,
and provides actionable information. By contrast, the blood-test screening for prostate cancer was a mess because it
cannot distinguish between lethal and harmless cancers. Yet once a man was tagged positive, he was treated-even if
the cancer posed no real health risk. As a result, countless men received the pain, cost, and angst of screening but
none of its benefit. The same confusion has muddied the recommendations for breast and lung cancer screenings.
We seem very good at inventing the new hot test but less accomplished in determining its limitations. As a result, we
have allowed preliminary evidence and good old American optimism to carry us to a place far beyond medical
responsibility. Perhaps what is lacking is a respect for the pace required for true innovation. No one was knocking on
Dr. Papanicolaous door in the 1930s, telling him to decide already. He took his time and gave us a test for the ages.
(By Kent Sepkowitz, published in Newsweek, February 2012)
09 (CONSULPLAN) The text criticizes
A) the use of innovative tests without knowing their limitations.
B) the use of traditional types of tests to detect cancer.
C) men who do not take blood tests for prostrate cancer.
D) the mass screening of smokers for lung cancer.
E) the risks that blood-tests for prostate cancer can bring.
Lets heat our cities with cleaner energy
How can we help keep people warm while reducing emissions? Natural gas could be one of the answers. When used
to create electricity, it is the cleanest-burning of all the fossil fuels. Whats more there is plenty of it, there could be
enough to last for the next 250 years. Shell is helping to deliver this gas to more countries than any other energy
company. Lets power our future with gas. Lets go.
www.shell.com/letsgo
10(CONSULPLAN) The greatest advantage of natural gas is that
A) Shell is delivering it to more countries than ever. D) it keeps people warmer than other fossil fuels.
B) it produces energy that is cheap and also durable. E) in 250 years energy resources will have finished.
C) its burning causes a reduced amount of pollution.
11 (CONSULPLAN) Mainstream language teaching no longer regards methods as key factor for the success or
failure in language teaching. One of the features common to any language teaching methods is
A) a concept of learner-centeredness. D) little room for a teachers own teaching style.
B) acknowledgement of different learning styles. E) acknowledgement of multiple intelligences.
C) flexibility to learners needs and interests.
12 (CONSULPLAN) The ethical formation of a foreign language teacher should include
A) the choice of syllabus framework in course design.
B) the target language as the only classroom language.
C) new language points introduced in situational way.
D) establishment of grammatical basis for oral production.
E) selection
5-E 6-C 7-A 8-E 9-A 10-C 11-D 12-A
Strange visitors
The trouble seemed to come thickest in the district that Jimmy had originally marked out. You could meet them in other
places, but in that area you couldnt help meeting gangs of them, the men in coloured shirts, the girls with their
amazing hair-dos and even more amazing decorations on their shirts, sauntering arm-in-arm out of walls, and
wandering indifferently through cars and people alike. Theyd pause anywhere to point things out to one another and
go off into helpless roars of silent laughter. What amused them most was when people got angry with them. Theyd
make signs and faces at the more old fashioned sort until they got them hopping mad and the madder, the funnier.
They ambled as the spirit took them, through shops and banks, and offices, and homes, without a care for the raging
occupants. Everybody started putting up Keep Out signs; that amused them a lot, too.
It didnt seem as if you could be free of them anywhere in the central area, though they appeared to be operating on
levels that werent always the same as ours. In some places they did look as if they were walking on the ground or
floor, but in other places theyd be inches above it, and then in some places you would meet them moving along as
though they were wading through the solid surface. It was very soon clear that they could no more hear us than we
could hear them, so that it was no use appealing to them or threatening them in any way, and none of the notices that
people put up seemed to do anything but arouse their curiosity. After three days of it there was chaos. In the worst
affected parts there just wasnt any privacy any more. At the most intimate moments they were liable to wander
through, visibly sniggering or laughing out loud. It was all very well for the police to announce that there was no danger,
that the visitors appeared unable actually to do anything, so the best way was to ignore them. There are times and
places when giggling bunches of young people demand more ignore-power than the average person has got. The
news had begun to get about, and that didnt help, either. News collectors of all kinds came streaming in. They
overflowed the place. The streets were snaked with leads to movie cameras, television cameras and microphones,
while the press-photographers were having the time of their lives, and, being solid, they were almost as much of a
nuisance as the visitors themselves.
(Kingsburry, Roy. Longman First Certificate. Editora Longman House. England, 1983)
13) (CONSULPLAN) From your reading of the passage, mark the item which is true:
A) The visitors enjoyed being photographed and filmed.
B) The keep out signs worked for a while.
C) The visitors would avoid wandering into bedrooms and bathrooms.
D) The more the towns residents got angry the more the visitors enjoyed.
E) The visitors belonged to different group ages.
14) (CONSULPLAN) In the sentence It didnt seem as if you could be free of them anywhere in the central
area, though they appeared to be operating on levels that werent always the same as ours the word though
could be replaced by:
A) Therefore. D) Besides.
B) Hence. E) In spite of.
C) Moreover.
Petrobrass deep-water gambit
Brazil has a buriedtreasure problem. The 2007 discovery of a huge offshore oil stash unleashed a gusher of
nationalist euphoria at 9 billion to 15 billion barrels, it was the largest find in the Western Hemisphere in more than a
quarter century. President Luiz Incio Lula da Silva hailed it as a ticket to Brazils second independence and called on
legislators to tighten state control over the oil industry. Since then, however, things have become more difficult. The oil
lies deeper and farther away than any being commercially exploited today. State oil company Petrobras may have the
know-how, but it needs the cash: some $224 billion over the next five years. It has planned a massive stock offering for
September in which it stands to reap anywhere from $25 billion to $50 billion, making it the largest share offering in
financial history. Problem is, the transaction will only add to Petrobrass heavy debt load (34 percent of net assets),
which could move the ratings agencies to downgrade the company. That would drive up borrowing costs and sour the
deal. Brazil could call on international oil firms as risk investors, but that would mean loosening its grip on oil. And with
national elections looming on Oct. 3, thats a political nonstarter. (By Mac Margolis, Newsweek, September 2010)
15) (CONSULPLAN) According to the text it is correct to state that:
A) Petrobras will earn over $224 billion the next five years.
B) The president of Brazil will use the oil discovery for election purposes.
C) Petrobras could be downgraded by ratings agencies.
D) Risk investors and international oil firms have got shares of Petrobras.
E) Brazils offshore oil find established strict control over the oil industry.
16) (CONSULPLAN) In the sentence Petrobrass heavy debt load (34 percent of net assets), which could
move the ratings agencies to downgrade the company, the relative pronoun is substituting for the word:
A) Petrobras. D) Company.
B) Debt. E) Heavy.
C) Agencies.
The worlds first travelers check
When you go abroad on vacation, how do you pay for things? These days, you can usually use a major credit card, but
millions of people prefer to take travelers checks because they know that banks and stores accept them wherever they
go. Two people were responsible for the travelers check: J. C. Fargo, the president of the American Express Company
from 1881 to 1914, and one of his employees, M. F. Berry. In 1890, J. C. Fargo decided to take a trip to Europe. He
took a letler of credit from a leading American bank with him, which told foreign banks how much money he had in his
bank account at home, and was the usual way for a traveler to finance his trip abroad. However, Fargo found that he
had to wait a long time to get his money, and that many banks refused to give him money at all! This made him angry,
and when he returned to the United States, he went to the office of M. F. Berry. Berry he said, I had a lot of trouble
with my letter of credit. The moment I left the big cities, it was completely useless. If the president of American Express
has that sort of trouble, just think what ordinary travelers have to put up with! Do something about it! For months, Berry
thought about the problem, and in 1891 he found the solution. His invention, which he called the Travelers Cheque
(using the British spelling), was basically the same as todays version. When you bought an American Express
Travelers Cheque, you signed your name on the top line, and when you cashed it, you identified yourself by signing
the bottom line. It was as simple as that. The American Express Travelers Cheque was an instant success with both
American travelers and foreign banks, and it was soon popular worldwide. An example of this is the story of an
American tourist in the Sahara Desert in the 1920s who wanted to buy a beautiful camel blanket from an Arab trader.
The price was twenty dollars. The tourist pulled out the cash and offered it to the trader, but the Arab looked at the
money and shook his head. The tourist then pulled out an American Express Travelers Cheque, and the Arab, smiling
and nodding, immediately gave him the blanket.
(Greenall, Simon. Move up. Editora Macmillan Heinemann, 1997)
17) (CONSULPLAN) Mark the item which is NOT true according to the text:
A) An employer and his employee created the first version of a travelers check.
B) A man smiled and moved his head up and down and accepted the Travelers Cheque.
C) A man did not accept money for his camel and shook his head.
D) Anywhere you go, travelers checks are widely accepted nowadays.
E) The word check has different written forms in American and British English.
18) (CONSULPLAN) In the sentence The moment I left the big cities, it was completely useless:
A) There are words containing suffixes. D) The word it refers to cities.
B) The verb tense is a Past Perfect. E) There are indefinite articles.
C) There are words in the plural.
13-D 14-E 15-C 16-B
17-C
18-A
World Challenge
Challenging Times. Inspired Action
And the finalists are World Challenge, brought to you by BBC World News and Newsweek in association with Shell,
is an annual international competition that honors inventive local solutions to difficult environmental, economic and
social problems in communities all over the world. This year, 832 projects were nominated. From these, a panel of
expert judges has selected 12 finalists. You can find out who the finalists are and more at theworldchallenge.co.uk.
From Sept, 27-Nov, 12, you will be able to vote for your favorite project. The winner of World Challenge will receive a
$20,000 grant, and two runners-up will each receive $10,000 from Shell to help support their projects.
(Newsweek, July 2010)
19) (CONSULPLAN) Mark the item which is true, according to the text:
A) Shell has approved 832 projects on difficult environmental problems.
B) You will be able to vote for a panel to select the expert judges.
C) Shell will support the twelve nominated projects even if they are not chosen.
D) The projects chosen for second place will be subventioned by Shell.
E) World Challenge aims at saving endangered species all over the world.
Who needs a publisher?
Boyd Morrison was finishing a Ph.D. in industrial engineering when he wrote his first novel. Five agents rejected it. Nine
years later he tried again, and this time he did get an agent after nearly three novels. But that turned out to be some
kind of cosmic tease, because 25 publishers turned down The Ark. With nothing left to lose, Morrison uploaded The Ark
and his two other unpublished novels to Amazons Kindle store in March 2009. Within three months, he was selling
books at a rate of 4.000 a month a number that attracted the attention of the same publishers who had rejected him.
This May, when The Ark was released in hardcover from Simon & Schuster, it became the first self-published Kindle
book to be picked up by a Big Six publisher. Morrison says that the phone call from his agent telling him hed finally see
his book in print was one of the most amazing moments of my life. Until recently, reviewers and book sellers looked
down on self-published authors the way Anna Wintour scorns Dress Barn. Now new writers and established authors
alike are increasingly taking publishing into their own hands, and the publishing establishment is paying attention.
According to a recent Bowker report, the market for nontraditional books in the United States grew by more than
750,000 new titles in 2009 a 181 percent increase over 2008. Five of the top 100 bestsellers in the Kindle store
which now produces more sales then Amazons hardcover list are currently self-published. Bob Young, CEO of printon-demand service Lulu.com, says that the publishing and distributing of books online will not be the old book industry
on a new platform. It will be a new industry, dependent not on bestsellers but on niche publications. Young compares
Lulu to eBay, which many feared would kill the traditional auction business. Ten years and 60 billion transactions on
eBay later, Young says, Christies, Sothebys, and the farm auctioneers are still doing fine. Thats because it was not
people with Picassos who were selling on eBay. And in our case, it wont be John Grisham selling millions of copies on
Lulu. Maybe Grisham isnt a Lulu customer yet, but writer John Edgar Wideman (Philadelphia Fire) is. Widemans
latest collection of short stories, Briefs, came out from Lulu this spring. In a traditional paperback publishing deal, the
author keeps a mere 8 to 9 percent of royalties. Under most self-publishing agreements, authors keep 70 to 80 percent
of their profits, with the remaining cut going to their distributor. Its an even playing field for the first time, says J. A.
Konrath, a thriller author (Whiskey Sour) who plans to release all his future novels as self-published Kindle books. The
gatekeepers have become who they should have been in the first place: the readers. Konrath began self-publishing ebooks in April 2009. He quickly realized that by cutting out the middleman, he was making as much money on a single
$2.99 e-book as he would on a $25 hardcover. I started to be able to pay my mortgage on e-book money, then pay my
bills on e-book money, Konrath says, Im going to make over $100,000 this year, and a lot of the money is from the
books that New York publishers rejected. Konrath attributes his strong sales on Amazon to user-generated ratings and
reviews on message boards, as well as to the low price of his e-books. Three dollars is a cup of coffee, Konrath says,
Wouldnt you rather have eight hours of entertainment from a book?
(Newsweek, August 2010)
20) (CONSULPLAN) The text states that:
A) The Ark became successful however being a self-published book.
B) The Kindle book released The Ark in hardcover edition.
C) A single e-book used to be more expensive than a hardcover but things have changed.
D) Traditional self-publishing agreements give up to 8% of profits to authors.
E) The best seller industry is presently dependent on niche publications.
21) (CONSULPLAN) In the sentence The gate-keepers have become who they should have been in the first
place: the readers. The Relative Pronoun is substituting for:
A) Gate-keepers. B) Readers. C) Place. D) Books. E) Became.
19-D
20-A 21-B
TEXT:
Many weird and wonderful new gadgets, gizmos and inventions were revealed in 2005. Autonomous cars,
robotic assistants and nano-circuitry provided a bright viem of the future, while cellphone viruses, virtual crime sprees
and nonlethal crowd control weapons hinted at technological troubles ahead.
The busiest inventor of the year was almost certainly Google, which continues to grow from a search engine into
a manytentacled technological titan. 2005 saw Google launch a service for hosting and searching video clips, an
internet phone program, a searchable map of the world and an effort to digitize books from some of the worlds largest
libraries, to name a few of its projects. ()
Cellphone virus
The year also saw the cellphone continue to reinvent itself. In January, a handset controlled by movement was
revealed and in February a device that can be swiped at a checkout to pay for shopping was launched.
Japanese researchers even unveiled a phone capable of identifying its owner from a snapshot, as an added
security feature.However, the discovery of a handful of cellphone viruses during 2005 caused consternation for users,
even though experts assured us that the risk to current handsets remains extremely low.
In 2005 online computer games became more popular and immersive than ever. In April, Sony helped blur the
line between the virtual and real world for many gamers by launching the first legitimate trading service for the game
EverQuest II. Later in the year, the realism of virtual economics was confirmed when a fraudulent scheme resulted in
rampant inflation for players of the same game. A man was also arrested in Japan for stealing other players virtual
possessions during a violent virtual crime spree in the game Lineage II.
Beaming into the brain
() Experimental code was released in May for a peer-to-peer virtual game, which removes the need for any
centralized control structure. A group of UK academics also announced ambitious plans to create a virtual world that
could develop its own cultural practices and traditions. And a US company even launched the first virtual world for
smartphones.
But a patent filed by Sony, revealed in April, provided a disturbing glimpse of the possible future for virtual
entertainment. Describing a device that would transmit sensory data directly into the brain, the invention hints at a
Matrix-like experience for gamers in decades to come.()
Robotic racers
() New kinds of artificial muscles promised to give the next generation of bots superhuman strength. The year
ended with Hondas humanoid robot, Asimo, showing off his new office skills.()
Scientists also developed an IQ test for artificially intelligent machines and created a program capable of
developing its own language.()
Experimental new types of computer circuitry also emerged. These included a reconfigurable chip made from
living bacteria as well as nano-wires capable of powering tiny nano engines.
Growing arsenal
But the scary side of technology was also exposed in 2005, in the form of several new non-lethal weapons
developed by US military. These included an electromagnetic pulse gun, a microwave weapon, and a rifle capable of
firing electric bullets at aggressors. Details of a laser rifle and a helicopter laser weapon, designed to dazzle targets
without permanently blinding them, were also uncovered.()
And among the wackiest innovations of 2005 were a pair of shoes that limit television time for couch potatoes, a
virtual air guitar and a system that delivers smells across the internet, for the more odour-conscious online shopper.
(Adapted from: www.newscientist.com. Access: Jul. 20, 2006)
22) (CONSULPLAN) According to the text, Google:
A) had serious problems with its users. D) is a lethal weapon for virtual crimes.
B) was created by its own cultural practices. E) was invented by a mad scientist.
C) diversified its activities in the dotcom (.com) business.
23) (CONSULPLAN) In paragraphs 4, 5 and 6, you find information about:
A) cell phone innovations and frauds in online games. D) an electromagnetic pulse gun.
B) how to create non-lethal weapons. E) the wackiest innovations of 2005.
C) the robotic racers at technological changes.
24) (CONSULPLAN) The last part of the text talks about:
A) Japanese researchers and their innovations.
B) Military innovations, attempts to prevent piracy and crazy inventions.
C) A busy inventor searching for spammers.
D) Robotic assistants and nono circuitry.
E) Players virtual possessions.
25) (CONSULPLAN) Capable of in paragraph 9, can be replaced by:
A) crazy about. B) drop by. C) angry at. D) make fun of. E) able to.
26) (CONSULPLAN) Even though in paragraph 4 is considered a(n):
A) Preposition. B) Adverb. C) Connective. D) Relative pronoun. E) Noun.
27) (CONSULPLAN) The word researchable in paragraph 2 is formed by:
28-E 29-D
b) Jackson morreu enquanto estava se preparando para estabelecer um novo recorde mundial de concerto mais
assistido e bem-sucedido de todos os tempos.
c) Jackson morreu enquanto se preparava para estabelecer um recorde mundial e executar o show de maior sucesso
de todos.
d) Jackson morreu enquanto estava se preparando para estabelecer um novo recorde mundial pelo concerto de maior
sucesso de todos os tempos.
30-D 31-D 32-C 33-A
FAT IS BEAUTIFUL?
Americans are fat, they are getting fatter and as soon as they out eat the South Sea Islanders, they will be the fattest
people in the world. This alarming message, from the journalist Greg Critter, has helped promote the provocative
bestseller Fat Land. It reveals that six out of every 10 Americans are already overweight and that, if they continue to
expand at the current rate, by 2050 all of them will be. So what should they do about it?
There is an obvious and a not-so-obvious answer to this question. Greg Critser provides the conventional solution: they
should eat more carefully and do more exercise. He traces the expanding American waistline to Earl Butz, President
Nixons foul-mouthed Secretary of Agriculture, who drastically brought down food prices in the 70s by introducing
subsidies for farming. The other great architect of obesity was David Wallerstein, the McDonalds executive who
discovered super sizing- offering vast single portions of food so people eat the equivalent of the double helpings that
they were too embarrassed to ask for. But the issue has another reaction: not Im fat, so what can I do about it? but
Im fat, so what? This is the line taken by fat activists and size awareness advocates. They believe that there is
nothing wrong with being overweight: negative attitudes towards large people are simply prejudices that need to be
fought. In part perhaps due to fat liberationists, the USA is changing its views on size. The fashion press, for instance,
recently announced that fat is the new thin. According to American Vogue the voluptuously curved Kate Winslet,
Jennifer Lopez and Kelly Osbourne are much more attractive than the stick-thin Hollywood stereotypes. There is also
a popular backlash against self-hating attitudes of an older generation that was inspired by feminism and sexual
liberation to try always be perfect and in control. In spite of this, one crucial factor seems destined to keep Americans
trying to lose weight. Obesity, as Critser points out, is now - for the first time in the history - the disease of the poor, not
the rich. And, in an aspirational society, if the well-off can see their feet, everyone else will want as well.
Adapted from SPEAKUP n.196, pages 18 to 20.
34-According to Greg Critser in 2050
(A) all the Americans will be overweight.
(B) the Americans should eat more carefully.
(C) the Americans should do more exercises.
(D) six out of every 10 Americans are overweight.
35-All the characteristics below prove that U.S.A. is changing its view and size, EXCEPT:
(A) The fashion press recently announced that fat is the new thin.
(B) They are against the feminist and sexual liberation of the older generation.
(C) They prefer the voluptuously curved Kate Winslet, Jennifer Lopez and Kelly Ousborne.
(D) They are against self-hating attitudes of an older generation to try always be perfect and in control.
36-In the sentence [] they were too embarrassed to ask for [], to ask for means:
(A) to invite.
(B) to reach.
(C) to look for.
(D) to request.
37 -We can say that to Americans who are overweight:
(A) fat is ugly.
(B) fat is wrong.
(C) fat is beautiful.
(D) fat is alarming.
38-The crucial factor that can keep Americans trying to lose weight now is:
(A) People want to see their feet.
(B) The poor is not obesity, only the rich.
(C) Obesity is not a disease from the rich people.