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Caderno de Questoes Banco do Brasil


Ingls (Lngua Inglesa)
Questo 1: FCC - Ana (BACEN)/BACEN/rea 1/2006

The Internet at Risk


Some 12,000 people convened last week in Tunisia for a United Nations conference about the
Internet. Many delegates want an end to the U.S. Commerce Department's control over the assignment
of Web site addresses (for example, http://www.washington-%20post.com/ ) and e-mail accounts (for
example, johndoe@aol.com). The delegates' argument is that unilateral U.S. control over these domain
names reflects no more than the historical accident of the Internet's origins. Why should the United
States continue to control the registration of French and Chinese Internet addresses? It doesn't control
the registration of French and Chinese cars, whatever Henry Ford's historic role in democratizing travel
was.
The reformers' argument is attractive in theory and dangerous in practice. In an ideal world,
unilateralism should be avoided. But in an imperfect world, unilateral solutions that run efficiently can
be better than multilateral ones that 51...
The job of assigning domain names offers huge opportunities for abuse. 52... controls this
function can decide to keep certain types of individuals or organizations offline (dissidents or opposition
political groups, for example). Or it can allow them on in exchange for large fees. The striking feature of
U.S. oversight of the Internet is that such abuses have not occurred.
It's possible that a multilateral overseer of the Internet might be just as efficient. But the
ponderous International Telecommunication Union, the U.N. body that would be a leading candidate to
take over the domain registry, has a record of resisting innovation - including the advent of the Internet.
Moreover, a multilateral domain-registering body would be caught between the different visions
of its members: on the one side, autocratic regimes such as Saudi Arabia and China that want to restrict
access to the Internet; on the other side, open societies that want low barriers to entry. These clashes of
vision would probably make multilateral regulation inefficiently political.
You may say that this is a fair price to pay to uphold the principle of sovereignty. If a country
wants to keep certain users from registering domain names (Nazi groups, child pornographers,
criminals), then perhaps it has a right to do so. But the clinching argument is that countries can exercise
that sovereignty to a reasonable degree without controlling domain names. They can order Internet
users in their territory to take offensive material down. They can order their banks or credit card
companies to refuse to process payments to unsavory Web sites based abroad. Indeed, governments'
ample ability to regulate the Internet has already been demonstrated by some of the countries pushing
for reform, such as authoritarian China. The sovereign nations of the world have no need to wrest
control of the Internet from the United States, because they already have it.
(Adapted from Washington Post, November 21, 2005; A14)
No segundo pargrafo, should indica

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a) permisso.
b) possibilidade.
c) recomendao.
d) obrigao.
e) probabilidade.
Questo 2: FCC - Aux FF II (TCE-SP)/TCE-SP/2009
Instruo: Para responder a questo, considere o texto abaixo.
CES 2010 Predictions: What Will Be Hot Next Year?
12.23.09
The tech industry is gearing up for January's Consumer Electronics Show (CES) in Las Vegas, but what
should we expect? Will recession woes continue to hinder major announcements or will someone
surprise us? We asked our analysts to [VERB] a few predictions about [PRON] you can expect to see
from CES.
Laptops Cisco Cheng
Laptops and Netbooks at CES 2010 will be riding the coat tails of Intel, which has already announced
new processors and chipsets in "Arrandale" (for laptops) and "Pinetrail" (for netbooks). So this year
you'll see processor brand names such as Intel Core i7, Core i5, and Core i3 instead of the soon-to-be
exiting Core 2 Duos.
With netbooks, it'll still be the Atom processor, but around it will be a different supporting cast and a
more energy efficient one at that, promising over 10 hours of battery life.
Not all clamshells will have an Intel processor, though. This year's CES 2010 will give rise to a new class
of netbooks, called SmartBooks and tablets.
SmartBooks will run some variant of an ARM processor, with Qualcomm being a heavy favorite. They
will not run a Windows operating system (Linux, most likely) and promise to cost as little as $200 per
device. The term tablet is similar to SmartBooks in parts and software, only it won't have a physical
keyboard, or at least one that's permanently attached. Tablets will take the e-book reader space to the
next level and hopefully have more success than MIDs the previous term for touchenabled netbooks
without a keyboard.
Desktops Joel Santo Domingo
The netbook revolution of 2009 has benefitted the desktop space. The same power-saving processors
and motherboard chips from netbooks are now showing up in a plethora of ultra small nettop PCs.
While these desktops do not promise better battery life, they do promise smaller, quieter systems,
which can be hooked up to large displays, like the 50-inch HDTV in your living room.
Don't count "traditional" desktops out though: they're still the go-to PCs in a business setting,
particularly since they're less fragile and easier to service than laptops. Besides, traditional workers who
live in cubicles don't need the portability of a netbook or notebook PC. They're going to get smaller, but
desktops will still be on workers' desks for quite a few years to come.

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(Adapted from http://www.pcmag.com/article2/0,2817,2357541,00.asp)
The pronoun They in They're going to get smaller (highlighted at the end of the text) refers to
a) laptops.
b) desktops.
c) cubicles.
d) desks.
e) workers.
Questo 3: FCC - AFR SP/SEFAZ SP/2006
History of the Income Tax in the United States
The nation had few taxes in its early history. From 1791 to 1802, the United States government
was supported by internal taxes on distilled spirits, carriages, refined sugar, tobacco and snuff, property
sold at auction, corporate bonds, and slaves. The high cost of the War of 1812 brought about the
nation's first sales taxes on gold, silverware, jewelry, and watches. In 1817, however, Congress did away
with all internal taxes, relying on tariffs on imported goods to provide sufficient funds for running the
government.
In 1862, in order to support the Civil War effort, Congress enacted the nation's first income tax
law. It was a forerunner of our modern income tax in that it was based on the principles of graduated, or
progressive, taxation and of withholding income at the source. Additional sales and excise taxes were
added, and an "inheritance" tax also made its debut.
The Act of 1862 established the office of Commissioner of Internal Revenue. The Commissioner
[TO GIVE] the power to assess, levy, and collect taxes, and the right to enforce the tax laws through
seizure of property and income and through prosecution. The powers and authority remain very much
the same today.
In 1868 , Congress again focused its taxation efforts on tobacco and distilled spirits and
eliminated the income tax in 1872. It had a short-lived revival in 1894 and 1895. In the latter year, the
U.S. Supreme Court decided that the income tax was unconstitutional because it was not apportioned
among the states in conformity with the Constitution.
In 1913, the 16th Amendment to the Constitution made the income tax a permanent fixture in
the U.S. tax system. The amendment gave Congress legal authority to tax income and resulted in a
revenue law that taxed incomes of both individuals and corporations. The withholding tax on wages was
introduced in 1943 and was instrumental in increasing the number of taxpayers to 60 million and tax
collections to $43 billion by 1945.
In 1981, Congress enacted the largest tax cut in U.S. history, approximately $750 billion over six
years. The tax reduction, however, was partially offset by two tax acts, in 1982 and 1984, that
attempted to raise approximately $265 billion.
(Adapted from http://www.infoplease.com/ipa/A0005921.html)
A forma correta de [TO GIVE] no texto
a) gave.

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b)
c)
d)
e)

gives.
was given.
was giving.
has given.

Questo 4: FCC - AFR SP/SEFAZ SP/2006


History of the Income Tax in the United States
The nation had few taxes in its early history. From 1791 to 1802, the United States government was
supported by internal taxes on distilled spirits, carriages, refined sugar, tobacco and snuff, property sold
at auction, corporate bonds, and slaves. The high cost of the War of 1812 brought about the nation's
first sales taxes on gold, silverware, jewelry, and watches. In 1817, however, Congress did away with all
internal taxes, relying on tariffs on imported goods to provide sufficient funds for running the
government.
In 1862, in order to support the Civil War effort, Congress enacted the nation's first income tax law. It
was a forerunner of our modern income tax in that it was based on the principles of graduated, or
progressive, taxation and of withholding income at the source. Additional sales and excise taxes were
added, and an "inheritance" tax also made its debut.
The Act of 1862 established the office of Commissioner of Internal Revenue. The Commissioner [TO
GIVE] the power to assess, levy, and collect taxes, and the right to enforce the tax laws through seizure
of property and income and through prosecution. The powers and authority remain very much the same
today.
In 1868 , Congress again focused its taxation efforts on tobacco and distilled spirits and eliminated the
income tax in 1872. It had a short-lived revival in 1894 and 1895. In the latter year, the U.S. Supreme
Court decided that the income tax was unconstitutional because it was not apportioned among the
states in conformity with the Constitution.
In 1913, the 16th Amendment to the Constitution made the income tax a permanent fixture in the U.S.
tax system. The amendment gave Congress legal authority to tax income and resulted in a revenue law
that taxed incomes of both individuals and corporations. The withholding tax on wages was introduced
in 1943 and was instrumental in increasing the number of taxpayers to 60 million and tax collections to
$43 billion by 1945.
In 1981, Congress enacted the largest tax cut in U.S. history, approximately $750 billion over six years.
The tax reduction, however, was partially offset by two tax acts, in 1982 and 1984, that attempted to
raise approximately $265 billion.
(Adapted from http://www.infoplease.com/ipa/A0005921.html)
Um sinnimo para offset, no texto,
a)
b)
c)
d)
e)

upgraded.
held up.
taken off.
cancelled out.
overcome.

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Questo 5: FCC - AFR SP/SEFAZ SP/2006
History of the Income Tax in the United States
The nation had few taxes in its early history. From 1791 to 1802, the United States government
was supported by internal taxes on distilled spirits, carriages, refined sugar, tobacco and snuff, property
sold at auction, corporate bonds, and slaves. The high cost of the War of 1812 brought about the
nation's first sales taxes on gold, silverware, jewelry, and watches. In 1817, however, Congress did away
with all internal taxes, relying on tariffs on imported goods to provide sufficient funds for running the
government.
In 1862, in order to support the Civil War effort, Congress enacted the nation's first income tax
law. It was a forerunner of our modern income tax in that it was based on the principles of graduated, or
progressive, taxation and of withholding income at the source. Additional sales and excise taxes were
added, and an "inheritance" tax also made its debut.
The Act of 1862 established the office of Commissioner of Internal Revenue. The Commissioner
[TO GIVE] the power to assess, levy, and collect taxes, and the right to enforce the tax laws through
seizure of property and income and through prosecution. The powers and authority remain very much
the same today.
In 1868 , Congress again focused its taxation efforts on tobacco and distilled spirits and
eliminated the income tax in 1872. It had a short-lived revival in 1894 and 1895. In the latter year, the
U.S. Supreme Court decided that the income tax was unconstitutional because it was not apportioned
among the states in conformity with the Constitution.
In 1913, the 16th Amendment to the Constitution made the income tax a permanent fixture in
the U.S. tax system. The amendment gave Congress legal authority to tax income and resulted in a
revenue law that taxed incomes of both individuals and corporations. The withholding tax on wages was
introduced in 1943 and was instrumental in increasing the number of taxpayers to 60 million and tax
collections to $43 billion by 1945.
In 1981, Congress enacted the largest tax cut in U.S. history, approximately $750 billion over six
years. The tax reduction, however, was partially offset by two tax acts, in 1982 and 1984, that
attempted to raise approximately $265 billion.
(Adapted from http://www.infoplease.com/ipa/A0005921.html)
Segundo o texto, nos Estados Unidos,
a) os impostos sobre venda de jias e similares existem desde os primrdios de sua histria.
b) o ouro comeou a ser taxado para fazer face aos gastos decorrentes da Guerra de 1812.
c) alm de impostos sobre produtos importados, foram institudos mais impostos internos a partir de
1817.
d) a primeira verso do imposto de renda foi instituda aps a Guerra Civil.
e) j havia reteno de imposto de renda na fonte antes da Guerra Civil.
Questo 6: FCC - AFR SP/SEFAZ SP/2006
History of the Income Tax in the United States

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The nation had few taxes in its early history. From 1791 to 1802, the United States government
was supported by internal taxes on distilled spirits, carriages, refined sugar, tobacco and snuff, property
sold at auction, corporate bonds, and slaves. The high cost of the War of 1812 brought about the
nation's first sales taxes on gold, silverware, jewelry, and watches. In 1817, however, Congress did away
with all internal taxes, relying on tariffs on imported goods to provide sufficient funds for running the
government.
In 1862, in order to support the Civil War effort, Congress enacted the nation's first income tax
law. It was a forerunner of our modern income tax in that it was based on the principles of graduated, or
progressive, taxation and of withholding income at the source. Additional sales and excise taxes were
added, and an "inheritance" tax also made its debut.
The Act of 1862 established the office of Commissioner of Internal Revenue. The Commissioner
[TO GIVE] the power to assess, levy, and collect taxes, and the right to enforce the tax laws through
seizure of property and income and through prosecution. The powers and authority remain very much
the same today.
In 1868 , Congress again focused its taxation efforts on tobacco and distilled spirits and
eliminated the income tax in 1872. It had a short-lived revival in 1894 and 1895. In the latter year, the
U.S. Supreme Court decided that the income tax was unconstitutional because it was not apportioned
among the states in conformity with the Constitution.
In 1913, the 16th Amendment to the Constitution made the income tax a permanent fixture in
the U.S. tax system. The amendment gave Congress legal authority to tax income and resulted in a
revenue law that taxed incomes of both individuals and corporations. The withholding tax on wages was
introduced in 1943 and was instrumental in increasing the number of taxpayers to 60 million and tax
collections to $43 billion by 1945.
In 1981, Congress enacted the largest tax cut in U.S. history, approximately $750 billion over six
years. The tax reduction, however, was partially offset by two tax acts, in 1982 and 1984, that
attempted to raise approximately $265 billion.
(Adapted from http://www.infoplease.com/ipa/A0005921.html)
Ainda segundo o texto,
a) com a reteno do imposto de renda sobre salrios na fonte, o nmero de contribuintes subiu para
60 milhes em dois anos.
b) a maior arrecadao na histria dos Estados Unidos deu-se em 1981.
c) a tabela progressiva de imposto de renda s entrou em vigor em 1943.
d) o Agente Fiscal de Rendas, quando o cargo foi criado nos Estados Unidos, no tinha autoridade para
processar o infrator.
e) a 16 Emenda Constituio Americana no passou de mais uma tentativa frustrada de fazer o
imposto de renda incidir tanto sobre os ganhos de pessoas fsicas quanto jurdicas.
Questo 7: FCC - AFR SP/SEFAZ SP/2006
Avoidance and evasion compared:
The United States example

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The use of the terms tax avoidance and tax evasion can vary depending on the jurisdiction. In the United
States, for example, the term "tax evasion" (or, more precisely, "attempted tax evasion") generally
consists of criminal conduct, the purpose of which is to avoid the assessment or payment of a tax that is
already legally owed at the time of the criminal conduct. (The term "assessment" is here used in the
technical sense of a statutory assessment: the formal administrative act of a duly appointed employee
of the Internal Revenue Service who records the tax on the books of the United States Treasury after
certain administrative prerequisites have been met. In the case of Federal income tax, this act generally
occurs after the close of the tax year - and usually after a tax return has been filed.)
By contrast, the term "tax avoidance" is used in the United States to describe lawful conduct, the
purpose of which is to avoid the creation of a tax liability. Tax evasion involves breaking the law; tax
avoidance is using legal means to avoid owing tax in the first place. An evaded tax remains a tax legally
owed. An avoided tax (in the U.S. sense) is a tax liability that has never existed. A simple example of tax
avoidance in this sense is the situation where a business considers selling a particular asset at a huge
gain but, after consulting with a tax adviser, decides not to [VERB] the sale. __97__ no sale occurs, no
gain is realized. The additional income tax liability that [TO GENERATE] by the inclusion of the gain on
the sale in the computation of taxable income is simply not incurred, as there was no sale and no
realized gain.
(Adapted from Wikipedia: en.wikipedia.org/wiki/Tax_evasion)
O texto pode ser sintetizado na seguinte oposio:
a) Tax evasion is acceptable conduct. Tax avoidance is contravention.
b) Tax evaded remains due. Tax avoided is not due.
c) Tax evasion implies fiscal debt. Tax avoidance implies legally reduced debt.
d) Tax evasion is tax paid. Tax avoidance is tax not paid.
e) Tax evaded can be returned. Tax avoided cannot be returned.
Questo 8: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2009
State Income-Tax Revenues Sink
By ERICA ALINI
State income-tax revenue fell 26% in the first four months of 2009 compared to the same period last
year, according to a survey of states by the nonprofit Nelson A. Rockefeller Institute of Government.
The report, conducted by the public-policy research arm of the State University of New York, is one of
the most up-todate measures of how deep the recession is digging into Americans' wallets and,
consequently, state coffers.
States are required by law to balance the budget, so lower tax revenues will translate in service cuts,
rather than red ink. Already states such as Kansas are slowing the payment of income-tax refunds and
delaying payments to local school districts, according to the report.
Withholdings from the first four months of 2009 were down 6.9% from the same period in 2008,
signaling that "many people had a very bad start of the year" with lower salaries and wages, says Don
Boyd, a senior fellow at the Rockefeller Institute.
During April alone, withholding tax collections declined by 2.2 percent compared with 2008. Only five of
37 reporting states had increases in withholding for the January-April months. The five states reporting
growth in withholding taxes for the first four months of 2009 are Arkansas, Iowa, North Dakota, West

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Virginia and Utah. Arizona, Louisiana, New Jersey and New York had the largest declines in withholding
tax collections, with over a 10 percent drop for January-April of 2009.
The time span notably includes the April 15 deadline for filing taxes, a critical time for states to collect
revenues.
The sharp decline was a rude awakening for many states, both because income tax is the main source of
revenue and because the drop was deeper than It was steepest in Arizona, South Carolina, Michigan,
California and Vermont. Only Utah, Alabama and North Dakota posted gains.
For most states, the fiscal year starts on July 1, so many were "in the process of dotting i's and crossing
t's" in their 2009-2010 budget agreements when the bad news came. Most states will probably need to
square the budget with midyear cuts, the report predicts.
The plunge in income-tax revenue means some states may have to revise budget agreements for 20092010 and may still face gaping holes in 2011, when federal stimulus money runs out.
(Adapted from Wall Street Journal, June 18, 2009)
Segundo o texto,
a) apesar da crise, o estado do Kansas est mantendo o cronograma de restituies do imposto de
renda.
b) vrios estados esto atrasando os pagamentos para os distritos de ensino locais.
c) New Jersey e New York esto entre os estados que no sofreram queda na arrecadao.
d) no h correlao entre a crise econmica global e a baixa arrecadao dos cofres pblicos.
e) os estados que no conseguirem equilibrar seus oramentos podero, por lei, recorrer ajuda
federal.
Questo 9: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2009
State Income-Tax Revenues Sink
By ERICA ALINI
State income-tax revenue fell 26% in the first four months of 2009 compared to the same period last
year, according to a survey of states by the nonprofit Nelson A. Rockefeller Institute of Government.
The report, conducted by the public-policy research arm of the State University of New York, is one of
the most up-todate measures of how deep the recession is digging into Americans' wallets and,
consequently, state coffers.
States are required by law to balance the budget, so lower tax revenues will translate in service cuts,
rather than red ink. Already states such as Kansas are slowing the payment of income-tax refunds and
delaying payments to local school districts, according to the report.
Withholdings from the first four months of 2009 were down 6.9% from the same period in 2008,
signaling that "many people had a very bad start of the year" with lower salaries and wages, says Don
Boyd, a senior fellow at the Rockefeller Institute.
During April alone, withholding tax collections declined by 2.2 percent compared with 2008. Only five of
37 reporting states had increases in withholding for the January-April months. The five states reporting
growth in withholding taxes for the first four months of 2009 are Arkansas, Iowa, North Dakota, West

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Virginia and Utah. Arizona, Louisiana, New Jersey and New York had the largest declines in withholding
tax collections, with over a 10 percent drop for January-April of 2009.
The time span notably includes the April 15 deadline for filing taxes, a critical time for states to collect
revenues.
The sharp decline was a rude awakening for many states, both because income tax is the main source of
revenue and because the drop was deeper than It was steepest in Arizona, South Carolina, Michigan,
California and Vermont. Only Utah, Alabama and North Dakota posted gains.
For most states, the fiscal year starts on July 1, so many were "in the process of dotting i's and crossing
t's" in their 2009-2010 budget agreements when the bad news came. Most states will probably need to
square the budget with midyear cuts, the report predicts.
The plunge in income-tax revenue means some states may have to revise budget agreements for 20092010 and may still face gaping holes in 2011, when federal stimulus money runs out.
(Adapted from Wall Street Journal, June 18, 2009)
According to the text,
a) state income tax revenue fell not only because of lower wages and salaries, but also due to tax
evasion.
b) in spite of the global recession, US income tax collections have shown a modest increase in states
like California and Vermont.
c) income tax withholdings bear no relationship to citizens' wages and salaries.
d) income tax is not the only source of state revenue, but the major one.
e) although most American sates experienced considerably lower personal income tax collections in
the first four months of 2009, predictions are that they will have fully recovered by 2011.
Questo 10: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2009
Two Meals and Not Always Square
With budgets tight, states and local governments have been looking at prisons - and prison food - as a
place to save money. Three days a week, Georgia now serves inmates only two meals. And across the
country, there have been increasing reports of substandard food. This is inhumane. Adequate meals
should be a nonnegotiable part of a civilized penal system. It is also bad policy. Researchers have found
a connection between poor food quality and discipline problems and violence.
Georgia has decided to save on staff costs by serving just two meals on Friday, as it already did on
Saturday and Sunday. The state says it gives prisoners the same number of calories on days when one
meal is skipped. Even if it does - and some prisoners' advocates are skeptical - it can be oppressive to go
so long without eating.
In Alabama earlier this year, a federal judge ordered the Morgan County sheriff locked up in his own jail
for contempt for failing to adequately feed his inmates. Alabama allows sheriffs to keep food money
they do not spend, and the sheriff reportedly pocketed more than $200,000 over three years.
Prisoners' rights advocates say they are receiving an increasing number of complaints from inmates
nationwide who report being served spoiled or inedible food or inadequate portions. Earlier this year, a

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riot at Reeves County Detention Center in Texas caused heavy damage to a prison building. Inmates said
it was prompted in part by poor food.
Cutbacks in food could violate inmates' constitutional rights, notes Elizabeth Alexander, director of the
American Civil Liberties Union's National Prison Project, if they create a substantial risk of serious harm a particular concern for inmates with diabetes and other illnesses.
If states and localities want to save money on corrections, they should reduce their prison and jail
populations. The United States, which has less than 5 percent of the world's population, has almost onequarter of its prisoners. Many are in for nonviolent crimes that could be punished in more constructive,
and less costly, ways. If governments decide to put inmates behind bars, they have to give them
adequate food - which means no less than three healthy meals a day.
(Adapted from The New York Times, June 20, 2009)
Evidence for the connection mentioned in the first paragraph has been provided
a) nationwide.
b) in Texas.
c) in Georgia.
d) in Alabama.
e) nowhere.
Questo 11: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2009
Two Meals and Not Always Square
With budgets tight, states and local governments have been looking at prisons - and prison food - as a
place to save money. Three days a week, Georgia now serves inmates only two meals. And across the
country, there have been increasing reports of substandard food. This is inhumane. Adequate meals
should be a nonnegotiable part of a civilized penal system. It is also bad policy. Researchers have found
a connection between poor food quality and discipline problems and violence.
Georgia has decided to save on staff costs by serving just two meals on Friday, as it already did on
Saturday and Sunday. The state says it gives prisoners the same number of calories on days when one
meal is skipped. Even if it does - and some prisoners' advocates are skeptical - it can be oppressive to go
so long without eating.
In Alabama earlier this year, a federal judge ordered the Morgan County sheriff locked up in his own jail
for contempt for failing to adequately feed his inmates. Alabama allows sheriffs to keep food money
they do not spend, and the sheriff reportedly pocketed more than $200,000 over three years.
Prisoners' rights advocates say they are receiving an increasing number of complaints from inmates
nationwide who report being served spoiled or inedible food or inadequate portions. Earlier this year, a
riot at Reeves County Detention Center in Texas caused heavy damage to a prison building. Inmates said
it was prompted in part by poor food.
Cutbacks in food could violate inmates' constitutional rights, notes Elizabeth Alexander, director of the
American Civil Liberties Union's National Prison Project, if they create a substantial risk of serious harm a particular concern for inmates with diabetes and other illnesses.

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If states and localities want to save money on corrections, they should reduce their prison and jail
populations. The United States, which has less than 5 percent of the world's population, has almost onequarter of its prisoners. Many are in for nonviolent crimes that could be punished in more constructive,
and less costly, ways. If governments decide to put inmates behind bars, they have to give them
adequate food - which means no less than three healthy meals a day.

(Adapted from The New York Times, June 20, 2009)


According to the text,
a) Georgia decided to serve only two meals three times a week to save on food costs.
b) some prisoners' advocates claim inadequate meals or portions violate inmates' constitutional rights.
c) the Morgan County sheriff managed to save $200,000 on prison food by inadequately feeding his
inmates.
d) inmates suffering from diabetes or any other serious illnesses should be given special dietary meals.
e) complaints about prison food have been filed in just a few states so far.
Questo 12: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2009
Two Meals and Not Always Square
With budgets tight, states and local governments have been looking at prisons - and prison food - as a
place to save money. Three days a week, Georgia now serves inmates only two meals. And across the
country, there have been increasing reports of substandard food. This is inhumane. Adequate meals
should be a nonnegotiable part of a civilized penal system. It is also bad policy. Researchers have found
a connection between poor food quality and discipline problems and violence.
Georgia has decided to save on staff costs by serving just two meals on Friday, as it already did on
Saturday and Sunday. The state says it gives prisoners the same number of calories on days when one
meal is skipped. Even if it does - and some prisoners' advocates are skeptical - it can be oppressive to go
so long without eating.
In Alabama earlier this year, a federal judge ordered the Morgan County sheriff locked up in his own jail
for contempt for failing to adequately feed his inmates. Alabama allows sheriffs to keep food money
they do not spend, and the sheriff reportedly pocketed more than $200,000 over three years.
Prisoners' rights advocates say they are receiving an increasing number of complaints from inmates
nationwide who report being served spoiled or inedible food or inadequate portions. Earlier this year, a
riot at Reeves County Detention Center in Texas caused heavy damage to a prison building. Inmates said
it was prompted in part by poor food.
Cutbacks in food could violate inmates' constitutional rights, notes Elizabeth Alexander, director of the
American Civil Liberties Union's National Prison Project, if they create a substantial risk of serious harm a particular concern for inmates with diabetes and other illnesses.
If states and localities want to save money on corrections, they should reduce their prison and jail
populations. The United States, which has less than 5 percent of the world's population, has almost onequarter of its prisoners. Many are in for nonviolent crimes that could be punished in more constructive,
and less costly, ways. If governments decide to put inmates behind bars, they have to give them
adequate food - which means no less than three healthy meals a day.
(Adapted from The New York Times, June 20, 2009)

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The text argues that
a) the US should invest in adequate prison facilities so as to reduce inmates' violence.
b) cutbacks in the number of meals are only acceptable if food quality and calories are not endangered.
c) prisons which serve spoiled or inedible food to their inmates should be severely punished.
d) perpetrators of non-violent crimes should not be imprisoned.
e) prisons must find less costly ways of looking after their inmates.
Questo 13: FCC - Ana (BACEN)/BACEN/rea 1/2006

The Internet at Risk


Some 12,000 people convened last week in Tunisia for a United Nations conference about the
Internet. Many delegates want an end to the U.S. Commerce Department's control over the assignment
of Web site addresses (for example, http://www.washington-%20post.com/ ) and e-mail accounts (for
example, johndoe@aol.com). The delegates' argument is that unilateral U.S. control over these domain
names reflects no more than the historical accident of the Internet's origins. Why should the United
States continue to control the registration of French and Chinese Internet addresses? It doesn't control
the registration of French and Chinese cars, whatever Henry Ford's historic role in democratizing travel
was.
The reformers' argument is attractive in theory and dangerous in practice. In an ideal world,
unilateralism should be avoided. But in an imperfect world, unilateral solutions that run efficiently can
be better than multilateral ones that 51...
The job of assigning domain names offers huge opportunities for abuse. 52... controls this
function can decide to keep certain types of individuals or organizations offline (dissidents or opposition
political groups, for example). Or it can allow them on in exchange for large fees. The striking feature of
U.S. oversight of the Internet is that such abuses have not occurred.
It's possible that a multilateral overseer of the Internet might be just as efficient. But the
ponderous International Telecommunication Union, the U.N. body that would be a leading candidate to
take over the domain registry, has a record of resisting innovation - including the advent of the Internet.
Moreover, a multilateral domain-registering body would be caught between the different visions
of its members: on the one side, autocratic regimes such as Saudi Arabia and China that want to restrict
access to the Internet; on the other side, open societies that want low barriers to entry. These clashes of
vision would probably make multilateral regulation inefficiently political.
You may say that this is a fair price to pay to uphold the principle of sovereignty. If a country
wants to keep certain users from registering domain names (Nazi groups, child pornographers,
criminals), then perhaps it has a right to do so. But the clinching argument is that countries can exercise
that sovereignty to a reasonable degree without controlling domain names. They can order Internet
users in their territory to take offensive material down. They can order their banks or credit card
companies to refuse to process payments to unsavory Web sites based abroad. Indeed, governments'
ample ability to regulate the Internet has already been demonstrated by some of the countries pushing
for reform, such as authoritarian China. The sovereign nations of the world have no need to wrest
control of the Internet from the United States, because they already have it.

Focus Concursos Online


(Adapted from Washington Post, November 21, 2005; A14)
Ainda no primeiro pargrafo, os dois perodos Why should the United States continue to control the
registration of French and Chinese Internet addresses? e It doesn't control the registration of French and
Chinese cars, whatever Henry Ford's historic role in democratizing travel was. podem ser ligadas, sem
alterao de sentido, pela conjuno
a) because.
b) however.
c) despite.
d) if.
e) unless.

Questo 14: FCC - Ana (BACEN)/BACEN/rea 1/2006

The Internet at Risk


Some 12,000 people convened last week in Tunisia for a United Nations conference about the
Internet. Many delegates want an end to the U.S. Commerce Department's control over the assignment
of Web site addresses (for example, http://www.washington-%20post.com/ ) and e-mail accounts (for
example, johndoe@aol.com). The delegates' argument is that unilateral U.S. control over these domain
names reflects no more than the historical accident of the Internet's origins. Why should the United
States continue to control the registration of French and Chinese Internet addresses? It doesn't control
the registration of French and Chinese cars, whatever Henry Ford's historic role in democratizing travel
was.
The reformers' argument is attractive in theory and dangerous in practice. In an ideal world,
unilateralism should be avoided. But in an imperfect world, unilateral solutions that run efficiently can
be better than multilateral ones that 51...
The job of assigning domain names offers huge opportunities for abuse. 52... controls this
function can decide to keep certain types of individuals or organizations offline (dissidents or opposition
political groups, for example). Or it can allow them on in exchange for large fees. The striking feature of
U.S. oversight of the Internet is that such abuses have not occurred.
It's possible that a multilateral overseer of the Internet might be just as efficient. But the
ponderous International Telecommunication Union, the U.N. body that would be a leading candidate to
take over the domain registry, has a record of resisting innovation - including the advent of the Internet.
Moreover, a multilateral domain-registering body would be caught between the different visions
of its members: on the one side, autocratic regimes such as Saudi Arabia and China that want to restrict
access to the Internet; on the other side, open societies that want low barriers to entry. These clashes of
vision would probably make multilateral regulation inefficiently political.
You may say that this is a fair price to pay to uphold the principle of sovereignty. If a country
wants to keep certain users from registering domain names (Nazi groups, child pornographers,
criminals), then perhaps it has a right to do so. But the clinching argument is that countries can exercise

Focus Concursos Online


that sovereignty to a reasonable degree without controlling domain names. They can order Internet
users in their territory to take offensive material down. They can order their banks or credit card
companies to refuse to process payments to unsavory Web sites based abroad. Indeed, governments'
ample ability to regulate the Internet has already been demonstrated by some of the countries pushing
for reform, such as authoritarian China. The sovereign nations of the world have no need to wrest
control of the Internet from the United States, because they already have it.
(Adapted from Washington Post, November 21, 2005; A14)
Segundo o texto, Henry Ford
a) fez histria viajando para muitos pases, inclusive a Frana e a China.
b) ficou famoso porque tornou o automvel acessvel a um pblico maior.
c) teve um papel importante como membro do partido democrata.
d) na realidade no teve um papel histrico relevante.
e) teve um papel influente na democratizao dos carros franceses.
Questo 15: FCC - Ana (BACEN)/BACEN/rea 1/2006
The Internet at Risk
Some 12,000 people convened last week in Tunisia for a United Nations conference about the
Internet. Many delegates want an end to the U.S. Commerce Department's control over the assignment
of Web site addresses (for example, http://www.washington-%20post.com/ ) and e-mail accounts (for
example, johndoe@aol.com). The delegates' argument is that unilateral U.S. control over these domain
names reflects no more than the historical accident of the Internet's origins. Why should the United
States continue to control the registration of French and Chinese Internet addresses? It doesn't control
the registration of French and Chinese cars, whatever Henry Ford's historic role in democratizing travel
was.
The reformers' argument is attractive in theory and dangerous in practice. In an ideal world,
unilateralism should be avoided. But in an imperfect world, unilateral solutions that run efficiently can
be better than multilateral ones that 51...
The job of assigning domain names offers huge opportunities for abuse. 52... controls this
function can decide to keep certain types of individuals or organizations offline (dissidents or opposition
political groups, for example). Or it can allow them on in exchange for large fees. The striking feature of
U.S. oversight of the Internet is that such abuses have not occurred.
It's possible that a multilateral overseer of the Internet might be just as efficient. But the
ponderous International Telecommunication Union, the U.N. body that would be a leading candidate to
take over the domain registry, has a record of resisting innovation - including the advent of the Internet.
Moreover, a multilateral domain-registering body would be caught between the different visions
of its members: on the one side, autocratic regimes such as Saudi Arabia and China that want to restrict
access to the Internet; on the other side, open societies that want low barriers to entry. These clashes of
vision would probably make multilateral regulation inefficiently political.
You may say that this is a fair price to pay to uphold the principle of sovereignty. If a country
wants to keep certain users from registering domain names (Nazi groups, child pornographers,

Focus Concursos Online


criminals), then perhaps it has a right to do so. But the clinching argument is that countries can exercise
that sovereignty to a reasonable degree without controlling domain names. They can order Internet
users in their territory to take offensive material down. They can order their banks or credit card
companies to refuse to process payments to unsavory Web sites based abroad. Indeed, governments'
ample ability to regulate the Internet has already been demonstrated by some of the countries pushing
for reform, such as authoritarian China. The sovereign nations of the world have no need to wrest
control of the Internet from the United States, because they already have it.
(Adapted from Washington Post, November 21, 2005; A14)
In the third paragraph, such abuses have not occurred means that
a) any organization that wants to register a domain name can do so.
b) the cost of registering a web address has increased dramatically.
c) dissident groups are not allowed to register Web sites.
d) pornography Web sites are only granted registration in exchange for large fees.
e) government opposition parties are refused domain names.
Questo 16: FCC - Ana (BACEN)/BACEN/rea 1/2006
The Internet at Risk
Some 12,000 people convened last week in Tunisia for a United Nations conference about the
Internet. Many delegates want an end to the U.S. Commerce Department's control over the assignment
of Web site addresses (for example, http://www.washington-%20post.com/ ) and e-mail accounts (for
example, johndoe@aol.com). The delegates' argument is that unilateral U.S. control over these domain
names reflects no more than the historical accident of the Internet's origins. Why should the United
States continue to control the registration of French and Chinese Internet addresses? It doesn't control
the registration of French and Chinese cars, whatever Henry Ford's historic role in democratizing travel
was.
The reformers' argument is attractive in theory and dangerous in practice. In an ideal world,
unilateralism should be avoided. But in an imperfect world, unilateral solutions that run efficiently can
be better than multilateral ones that 51...
The job of assigning domain names offers huge opportunities for abuse. 52... controls this
function can decide to keep certain types of individuals or organizations offline (dissidents or opposition
political groups, for example). Or it can allow them on in exchange for large fees. The striking feature of
U.S. oversight of the Internet is that such abuses have not occurred.
It's possible that a multilateral overseer of the Internet might be just as efficient. But the
ponderous International Telecommunication Union, the U.N. body that would be a leading candidate to
take over the domain registry, has a record of resisting innovation - including the advent of the Internet.
Moreover, a multilateral domain-registering body would be caught between the different visions
of its members: on the one side, autocratic regimes such as Saudi Arabia and China that want to restrict
access to the Internet; on the other side, open societies that want low barriers to entry. These clashes of
vision would probably make multilateral regulation inefficiently political.

Focus Concursos Online


You may say that this is a fair price to pay to uphold the principle of sovereignty. If a country
wants to keep certain users from registering domain names (Nazi groups, child pornographers,
criminals), then perhaps it has a right to do so. But the clinching argument is that countries can exercise
that sovereignty to a reasonable degree without controlling domain names. They can order Internet
users in their territory to take offensive material down. They can order their banks or credit card
companies to refuse to process payments to unsavory Web sites based abroad. Indeed, governments'
ample ability to regulate the Internet has already been demonstrated by some of the countries pushing
for reform, such as authoritarian China. The sovereign nations of the world have no need to wrest
control of the Internet from the United States, because they already have it.
(Adapted from Washington Post, November 21, 2005; A14)
Segundo o texto, a escolha de um rgo supervisor multilateral da Internet poderia tornar o registro de
domnio
a) mais democrtico.
b) mais eficiente do que nas mos dos Estados Unidos.
c) uma questo poltica.
d) to precrio a ponto do colocar em risco a prpria existncia da Internet.
e) um instrumento de discriminao racial.
Questo 17: FCC - Ana (BACEN)/BACEN/rea 1/2006
The Internet at Risk
Some 12,000 people convened last week in Tunisia for a United Nations conference about the
Internet. Many delegates want an end to the U.S. Commerce Department's control over the assignment
of Web site addresses (for example, http://www.washington-%20post.com/ ) and e-mail accounts (for
example, johndoe@aol.com). The delegates' argument is that unilateral U.S. control over these domain
names reflects no more than the historical accident of the Internet's origins. Why should the United
States continue to control the registration of French and Chinese Internet addresses? It doesn't control
the registration of French and Chinese cars, whatever Henry Ford's historic role in democratizing travel
was.
The reformers' argument is attractive in theory and dangerous in practice. In an ideal world,
unilateralism should be avoided. But in an imperfect world, unilateral solutions that run efficiently can
be better than multilateral ones that 51...
The job of assigning domain names offers huge opportunities for abuse. 52... controls this
function can decide to keep certain types of individuals or organizations offline (dissidents or opposition
political groups, for example). Or it can allow them on in exchange for large fees. The striking feature of
U.S. oversight of the Internet is that such abuses have not occurred.
It's possible that a multilateral overseer of the Internet might be just as efficient. But the
ponderous International Telecommunication Union, the U.N. body that would be a leading candidate to
take over the domain registry, has a record of resisting innovation - including the advent of the Internet.
Moreover, a multilateral domain-registering body would be caught between the different visions
of its members: on the one side, autocratic regimes such as Saudi Arabia and China that want to restrict

Focus Concursos Online


access to the Internet; on the other side, open societies that want low barriers to entry. These clashes of
vision would probably make multilateral regulation inefficiently political.
You may say that this is a fair price to pay to uphold the principle of sovereignty. If a country
wants to keep certain users from registering domain names (Nazi groups, child pornographers,
criminals), then perhaps it has a right to do so. But the clinching argument is that countries can exercise
that sovereignty to a reasonable degree without controlling domain names. They can order Internet
users in their territory to take offensive material down. They can order their banks or credit card
companies to refuse to process payments to unsavory Web sites based abroad. Indeed, governments'
ample ability to regulate the Internet has already been demonstrated by some of the countries pushing
for reform, such as authoritarian China. The sovereign nations of the world have no need to wrest
control of the Internet from the United States, because they already have it.
(Adapted from Washington Post, November 21, 2005; A14)
No geral, o texto
a) defende a idia de um supervisor multilateral para a Internet, como por exemplo, a International
Telecommunication Union.
b) defende a possibilidade de cada pas ter o direito de recusar o registro de domnios a usurios que
considere indesejveis.
c) argumenta contra a necessidade de qualquer controle sobre o registro de nomes de domnio na
Internet.
d) argumenta contra a proibio de bancos processarem pagamentos para Web sites com contedo
pernicioso.
e) argumenta a favor de os Estados Unidos continuarem a controlar a atribuio de nomes de domnio
na Internet.
Questo 18: FCC - Ana (BACEN)/BACEN/rea 3/2006
Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments

Focus Concursos Online


to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.
Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the
Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.
During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since
winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."
(Adapted from washingtonpost.com)
A palavra que preenche corretamente a lacuna 51
a) However.
b) When.
c) Although.
d) Therefore.
e) If.
Questo 19: FCC - Ana (BACEN)/BACEN/rea 3/2006
Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments
to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.

Focus Concursos Online


Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the
Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.
During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since
winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."
(Adapted from washingtonpost.com)
A palavra que preenche corretamente a lacuna 53
a) luckily.
b) successfully.
c) greatly.
d) unfortunately.
e) improbably.
Questo 20: FCC - Ana (BACEN)/BACEN/rea 3/2006
Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments
to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.
Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the

Focus Concursos Online


Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.
During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since
winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."
(Adapted from washingtonpost.com)
O projeto de lei de que trata o texto
a) pode economizar 35 bilhes de dlares aos cofres pblicos americanos.
b) vem sendo negociado h mais de cinco anos.
c) vai reduzir em 35 bilhes de dlares os gastos excessivos do governo nas reas de sade e educao.
d) no contempla as fraudes no programa Medicaid.
e) mantm a proibio de prospeco de petrleo na reserva do Alasca.
Questo 21: FCC - Ana (BACEN)/BACEN/rea 3/2006
Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments
to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.
Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the
Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.

Focus Concursos Online


During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since
winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."
(Adapted from washingtonpost.com)
Segundo o texto,
a) o projeto de lei aprovaria um aumento de 2,5% para alguns fazendeiros.
b) o programa de incentivo produo de algodo sofreria drsticos cortes com a nova lei.
c) o projeto de lei vai reduzir os incentivos aos fazendeiros ricos.
d) o projeto de lei aprovaria investimentos maiores na rea de conservao da agricultura.
e) a maioria dos republicanos votou a favor do projeto de lei, como era de se esperar.
Questo 22: FCC - Ana (BACEN)/BACEN/rea 3/2006
Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments
to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.
Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the
Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.
During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since

Focus Concursos Online


winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."
(Adapted from washingtonpost.com)
No 3o pargrafo, nearly pode ser substitudo, sem alterao de sentido, por
a) over.
b) before.
c) almost.
d) after.
e) less.
Questo 23: FCC - Ana (BACEN)/BACEN/rea 3/2006
Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments
to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.
Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the
Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.
During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since
winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."

Focus Concursos Online


(Adapted from washingtonpost.com)
A partir de are concerned that the effort may go too far, depreende-se que esses polticos esto
a) preocupados que haja cortes demais.
b) certos de que a medida acabar por aumentar os gastos.
c) confiantes que o resultado ser animador.
d) preocupados com o esforo que isso demanda do governo.
e) certos de que o esforo no ter efeito imediato.
Questo 24: FCC - Ana (BACEN)/BACEN/rea 3/2006
Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments
to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.
Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the
Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.
During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since
winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."
(Adapted from washingtonpost.com)

Focus Concursos Online


Dentre as alternativas abaixo, qual delas NO representa o sentido com que entitlement em
entitlement spending usado no texto?
a) Funding levels that are automatically set by the number of eligible recipients, not at the discretion of
Congress.
b) A funding program in which costs grow each year without Congressional review.
c) A funding stream that Congress is committed to spend - it is mandatory for Congress to meet that
obligation.
d) Funding that the federal government is committed to spend by the structure and language of the
authorizing legislation. As a result, it is not subject to the annual appropriations process.
e) Funding for which the authorizing legislation will set an authorized amount, but whether that
amount is actually appropriated each year is subject to the discretion of Congress.

Questo 25: FCC - Ana (BACEN)/BACEN/rea 3/2006


Considere o texto abaixo para responder questo.
Senate Passes Plan to Cut $35 Billion From Deficit
By Jonathan Weisman
Washington Post Staff Writer
Friday, November 4, 2005; A01
The Senate approved sweeping deficit-reduction legislation last night that would save about $35
billion over the next five years by cutting federal spending on prescription drugs, agriculture supports
and student loans, while clamping down on fraud in the Medicaid program.
The measure would also open Alaska's Arctic National Wildlife Refuge to oil drilling, a long-sought
goal of the oil industry that took a major step forward after years of political struggle. A bipartisan effort
to strip the drilling provision narrowly failed.
The Senate bill, which passed 52 to 47, is the first in nearly a decade to tackle the growth of
entitlement spending, the part of the federal budget that rises automatically based on set formulas and
population changes. It would shave payments to some farmers by 2.5 percent, while eliminating a major
cotton support program and trimming agriculture conservation spending. A proposal to limit payments
to rich farmers failed yesterday. The measure passed largely along party lines, with only two Democrats
voting for it and five Republicans voting against it.
Yesterday's action is part of an effort by congressional Republicans to demonstrate fiscal
discipline after widespread complaints of profligate spending on Capitol Hill. ... 51 many Democrats and
some moderate Republicans are concerned that the effort may go too far, prominent Republicans in the
Senate and House said the cuts were necessary to slow the rate of spending and control a deficit
projected to total $314 billion by the end of the fiscal year.
During a speech yesterday, former House majority leader Tom Delay (R-Tex) repeatedly
apologized for excessive spending by Congress, including recent highway legislation that was ...52 with
lawmakers' pet projects. After noting that House Republicans have voted to cut taxes every year since
winning the majority in 1994, DeLay acknowledged, "Our record on spending has not been as consistent,
...53 ."

Focus Concursos Online


(Adapted from washingtonpost.com)
Segundo o texto,
a) Tom DeLay o atual lder do Partido Republicano.
b) os republicanos conseguiram ser maioria na Cmara dos Deputados em 1994.
c) desde que se tornaram maioria, os republicanos tm se empenhado sistematicamente no controle
dos gastos pblicos excessivos.
d) os democratas, no geral, so contra qualquer reduo de impostos.
e) democratas e republicanos concordam que os cortes propostos so necessrios para controlar o
crescente dficit.
Questo 26: FCC - Ana (BACEN)/BACEN/rea 4/2006
Considere o texto abaixo para responder a questo.
The Greenspan Effect
To Fight Rising Prices, Fed Nominee May Need New Weapons
November 4, 2005
By LOUIS UCHITELLE
Early in his tenure as chairman of the Federal Reserve, Alan Greenspan declared that the risk of too
much inflation was so considerable that he would "err more on the side of restrictiveness than of
stimulus."
(51) . At his very first meeting, in August 1987, Mr. Greenspan established his inflation-fighting
credentials by pushing up short-term interest rates in response to only a modest rise in consumer prices,
a move that contributed to the stock market crash just two months (52) .
Ben S. Bernanke, who is expected to take over at the Fed in February, will almost certainly echo Mr.
Greenspan's step, raising rates at his first meeting next year, in part to demonstrate his commitment,
too, to
53 inflation under
control. But for all the similarities of their actions upon taking office, Mr. Bernanke faces a
fundamentally different set of circumstances than those that Mr. Greenspan confronted 18 years ago.
"Inflation is clearly not right around the corner like it used to be," said Edward M. Gramlich, until
recently a Fed governor and now interim provost at the University of Michigan. "The relationships are
different, and Mr. Bernanke is going to have to figure them out."
Perhaps the biggest differences are the rise of global production, as well as much easier access to
capital, particularly from abroad. Adding to the change is labor's weaker bargaining power. These
factors have combined to greatly diminish the force of old-style inflation in which demand outran
supply, pushing prices ever higher, and wages, too, until the Fed put the brakes on the economy.
Instead, a new style of inflation has emerged as one of the principal threats to the economy. It is evident
in the stock market bubble of the late 1990's and in surging home prices in this decade. This asset price
spiral, as it is called, has proved much more resistant to the Fed's standard interest rate tool than
traditional inflation.

Focus Concursos Online


Mr. Bernanke, for his part, is known as an advocate of inflation targeting, a technique for adjusting
interest rates with the aim of keeping traditional inflationary pressures within a limited range. He has
also asserted, like Mr. Greenspan, that he does not intend to use interest rates prematurely to puncture
an asset bubble. But he has signaled a readiness to use a different set of tools to fight the new inflation,
60 .

A frase que preenche corretamente a lacuna (51)


a) Easier said than done.
b) A stitch in time saves nine.
c) Penny wise, pound foolish.
d) And he meant it.
e) He had better keep quiet about it.
Questo 27: FCC - Ana (BACEN)/BACEN/rea 4/2006
Considere o texto abaixo para responder a questo.
The Greenspan Effect
To Fight Rising Prices, Fed Nominee May Need New Weapons
November 4, 2005
By LOUIS UCHITELLE
Early in his tenure as chairman of the Federal Reserve, Alan Greenspandeclared that the risk of too
much inflation was so considerable that he would "err more on the side of restrictiveness than of
stimulus."
(51) . At his very first meeting, in August 1987, Mr. Greenspan established his inflation-fighting
credentials by pushing up short-term interest rates in response to only a modest rise in consumer prices,
a move that contributed to the stock market crash just two months (52) .
Ben S. Bernanke, who is expected to take over at the Fed in February, will almost certainly echo Mr.
Greenspan's step, raising rates at his first meeting next year, in part to demonstrate his commitment,
too, to
53 inflation under
control. But for all the similarities of their actions upon taking office, Mr. Bernanke faces a
fundamentally different set of circumstances than those that Mr. Greenspan confronted 18 years ago.
"Inflation is clearly not right around the corner like it used to be," said Edward M. Gramlich, until
recently a Fed governor and now interim provost at the University of Michigan. "The relationships are
different, and Mr. Bernanke is going to have to figure them out."
Perhaps the biggest differences are the rise of global production, as well as much easier access to
capital, particularly from abroad. Adding to the change is labor's weaker bargaining power. These
factors have combined to greatly diminish the force of old-style inflation in which demand outran
supply, pushing prices ever higher, and wages, too, until the Fed put the brakes on the economy.

Focus Concursos Online


Instead, a new style of inflation has emerged as one of the principal threats to the economy. It is evident
in the stock market bubble of the late 1990's and in surging home prices in this decade. This asset price
spiral, as it is called, has proved much more resistant to the Fed's standard interest rate tool than
traditional inflation.
Mr. Bernanke, for his part, is known as an advocate of inflation targeting, a technique for adjusting
interest rates with the aim of keeping traditional inflationary pressures within a limited range. He has
also asserted, like Mr. Greenspan, that he does not intend to use interest rates prematurely to puncture
an asset bubble. But he has signaled a readiness to use a different set of tools to fight the new inflation,
60 .
(Adapted from The New York Times)

De acordo com o texto,


a) Greenspan cometeu muitos erros no incio de seu mandato.
b) Greenspan teve responsabilidade na quebra da bolsa que ocorreu logo que tomou posse.
c) bem provvel que Bernanke adote uma poltica radicalmente oposta de Greenspan.
d) Bernanke parece estar apenas parcialmente comprometido com o controle da inflao.
e) apesar de passados 18 anos, as condies econmicas pouco mudaram nos Estados Unidos.
Questo 28: FCC - Ana (BACEN)/BACEN/rea 4/2006
Considere o texto abaixo para responder a questo.
The Greenspan Effect
To Fight Rising Prices, Fed Nominee May Need New Weapons
November 4, 2005
By LOUIS UCHITELLE

Early in his tenure as chairman of the Federal Reserve, Alan Greenspandeclared that the risk of too
much inflation was so considerable that he would "err more on the side of restrictiveness than of
stimulus."
(51) . At his very first meeting, in August 1987, Mr. Greenspan established his inflation-fighting
credentials by pushing up short-term interest rates in response to only a modest rise in consumer prices,
a move that contributed to the stock market crash just two months (52) .
Ben S. Bernanke, who is expected to take over at the Fed in February, will almost certainly echo Mr.
Greenspan's step, raising rates at his first meeting next year, in part to demonstrate his commitment,
too, to
53 inflation under
control. But for all the similarities of their actions upon taking office, Mr. Bernanke faces a
fundamentally different set of circumstances than those that Mr. Greenspan confronted 18 years ago.
"Inflation is clearly not right around the corner like it used to be," said Edward M. Gramlich, until
recently a Fed governor and now interim provost at the University of Michigan. "The relationships are
different, and Mr. Bernanke is going to have to figure them out."

Focus Concursos Online


Perhaps the biggest differences are the rise of global production, as well as much easier access to
capital, particularly from abroad. Adding to the change is labor's weaker bargaining power. These
factors have combined to greatly diminish the force of old-style inflation in which demand outran
supply, pushing prices ever higher, and wages, too, until the Fed put the brakes on the economy.
Instead, a new style of inflation has emerged as one of the principal threats to the economy. It is evident
in the stock market bubble of the late 1990's and in surging home prices in this decade. This asset price
spiral, as it is called, has proved much more resistant to the Fed's standard interest rate tool than
traditional inflation.
Mr. Bernanke, for his part, is known as an advocate of inflation targeting, a technique for adjusting
interest rates with the aim of keeping traditional inflationary pressures within a limited range. He has
also asserted, like Mr. Greenspan, that he does not intend to use interest rates prematurely to puncture
an asset bubble. But he has signaled a readiness to use a different set of tools to fight the new inflation,
60 .
(Adapted from The New York Times)
De acordo com o texto, na inflao tradicional
a) a demanda menor do que a oferta.
b) h uma boa oferta de capital.
c) no h relao entre preos e salrios.
d) a produo afetada pela falta de mo-de-obra.
e) o trabalhador tem fora de negociao.
Questo 29: FCC - Ana (BACEN)/BACEN/rea 4/2006
Considere o texto abaixo para responder a questo.
The Greenspan Effect
To Fight Rising Prices, Fed Nominee May Need New Weapons
November 4, 2005
By LOUIS UCHITELLE
Early in his tenure as chairman of the Federal Reserve, Alan Greenspandeclared that the risk of too
much inflation was so considerable that he would "err more on the side of restrictiveness than of
stimulus."
(51) . At his very first meeting, in August 1987, Mr. Greenspan established his inflation-fighting
credentials by pushing up short-term interest rates in response to only a modest rise in consumer prices,
a move that contributed to the stock market crash just two months (52) .
Ben S. Bernanke, who is expected to take over at the Fed in February, will almost certainly echo Mr.
Greenspan's step, raising rates at his first meeting next year, in part to demonstrate his commitment,
too, to
53 inflation under
control. But for all the similarities of their actions upon taking office, Mr. Bernanke faces a
fundamentally different set of circumstances than those that Mr. Greenspan confronted 18 years ago.

Focus Concursos Online


"Inflation is clearly not right around the corner like it used to be," said Edward M. Gramlich, until
recently a Fed governor and now interim provost at the University of Michigan. "The relationships are
different, and Mr. Bernanke is going to have to figure them out."
Perhaps the biggest differences are the rise of global production, as well as much easier access to
capital, particularly from abroad. Adding to the change is labor's weaker bargaining power. These
factors have combined to greatly diminish the force of old-style inflation in which demand outran
supply, pushing prices ever higher, and wages, too, until the Fed put the brakes on the economy.
Instead, a new style of inflation has emerged as one of the principal threats to the economy. It is evident
in the stock market bubble of the late 1990's and in surging home prices in this decade. This asset price
spiral, as it is called, has proved much more resistant to the Fed's standard interest rate tool than
traditional inflation.
Mr. Bernanke, for his part, is known as an advocate of inflation targeting, a technique for adjusting
interest rates with the aim of keeping traditional inflationary pressures within a limited range. He has
also asserted, like Mr. Greenspan, that he does not intend to use interest rates prematurely to puncture
an asset bubble. But he has signaled a readiness to use a different set of tools to fight the new inflation,
60 .
(Adapted from The New York Times)

Um fecho adequado para o texto seria (lacuna 60)


a) so that price increases will push wages higher too.
b) as it is clear that the way to combat inflation is to raise interest rates.
c) because higher interest rates step-up demand.
d) and in this he departs from Mr. Greenspan.
e) as there is hardly any inflation to fight now.
Questo 30: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.
Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04
House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.

Focus Concursos Online


The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.
Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.
"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."
(Adapted from washingtonpost.com)
A palavra que preenche corretamente a lacuna (4o paragrfo)
a) more.
b) much.
c) most.
d) least.
e) less.
Questo 31: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.

Focus Concursos Online


Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04
House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.
The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.
Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.
"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."

Focus Concursos Online


(Adapted from washingtonpost.com)
In the text, a synonym for curb (1st paragraph) is
a) improve.
b) accelerate.
c) stop.
d) approve.
e) reject.
Questo 32: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.
Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04
House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.
The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.
Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.

Focus Concursos Online


"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."
(Adapted from washingtonpost.com)
In the text, who is accused of making last-minute changes to agreed-upon provisions?
a) Democrats.
b) Republicans.
c) Consumers.
d) Information brokers.
e) Federal Trade Commission.
Questo 33: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.
Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04
House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.
The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.

Focus Concursos Online


Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.
"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."
(Adapted from washingtonpost.com)
The bill discussed in the text
a) has been unanimously approved.
b) will be enforced immediately.
c) is supported by Republicans.
d) is considered a clear step forward in protecting consumers' private data.
e) requires immediate notification of consumers in case of any breaches of data.
Questo 34: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.
Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04

Focus Concursos Online


House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.
The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.
Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.
"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."
(Adapted from washingtonpost.com)
Segundo o texto,

Focus Concursos Online


a) o novo projeto de lei se justifica pelo fato de as leis estaduais de proteo ao consumidor estarem
ultrapassadas.
b) apenas empresas de pequeno porte esto sujeitas ao roubo de dados pessoais de seus clientes.
c) o projeto de lei que foi aprovado vai permitir que os consumidores se protejam melhor contra a
possibilidade de roubo de seus dados financeiros.
d) h um compromisso tcito entre empresas e governo de proteger as informaes pessoais de todos
os consumidores.
e) a aprovao do projeto de lei em discusso invalidaria uma lei californiana de proteo ao
consumidor.
Questo 35: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.
Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04
House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.
The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.
Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.

Focus Concursos Online


"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."
(Adapted from washingtonpost.com)
A partir de if this bill had been in place in February 2005 (9o pargrafo), entende-se que
a) o evento relatado sobre a Califrnia ocorreu em fevereiro de 2005.
b) o projeto de lei deveria ter sido aprovado em fevereiro de 2005.
c) desde fevereiro de 2005 aumentou a incidncia de quebra de sigilo na internet.
d) a preocupao com a segurana de informaes pessoais dos consumidores data de fevereiro de
2005.
e) a tramitao da lei s teve incio em fevereiro de 2005.
Questo 36: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.
Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04
House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.
The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.

Focus Concursos Online


Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.
"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."
(Adapted from washingtonpost.com)
No texto, o verbo argue (10o pargrafo) deve ser traduzido como
a) argumentam.
b) debatem.
c) acreditam.
d) acusam.
e) reprovam.
Questo 37: FCC - Ana (BACEN)/BACEN/rea 5/2006
Considere o texto abaixo para responder questo.
Parties Split on Data-Protection Bill
By Jonathan Krim
Washington Post Staff Writer
Friday, November 4, 2005; D04

Focus Concursos Online


House Democrats and Republicans split sharply yesterday over how to best protect consumers'
personal data, as legislation to curb the persistent scourge of identity theft and fraud began to move on
a fast track on Capitol Hill.
In a 13 to 8 vote along party lines, a subcommittee of the House Energy and Commerce
Committee approved a bill that would require information brokers to submit plans for safeguarding
private data to the Federal Trade Commission for monitoring and review.
The bill also would establish the first nationwide requirement for notification of consumers when
certain breaches of data occur and would force brokers to submit to security audits if their data banks
are compromised.
But Democrats on the panel said the bill was filled with loopholes and would leave consumers
______ protected than they are now. They also accused the Republicans of shutting them out of
bipartisan negotiations, and of making last-minute changes to agreed-upon provisions.
Under the bill, data brokers and other firms that store consumer data would have to notify
consumers that their information [ TO BREACH ] only when it was determined that a "significant risk" of
identity theft or other fraud might result.
That decision would be made by the company that was breached, which Democrats said was akin
to having no requirement at all.
This year alone, tens of millions of consumers have been notified of breaches at information
brokers such as ChoicePoint Inc. and LexisNexis, financial institutions, government agencies, universities,
online retailers and other firms.
Many notices were sent out under a California law that covers any firm doing business in the
state.
"No notices would have gone out under the standard put forth in this bill," which would preempt
state laws, said Rep. Janice D. Schakowsky (D-Ill.). "We would not have known how badly corporations
treat personal information, nor would consumers have been able to take action to protect themselves even from financial identity theft - if this bill had been in place in February 2005."
Data brokers, direct marketers, financial institutions and several large technology companies
supported the approach of the bill, as did FTC Chairman Deborah P. Majoras. They argue that thieves or
hackers cannot always use data they might gain access to, and that bombarding consumers with notices
every time a breach occurs would cause people to ignore them.
"That concern is disingenuous," Schakowsky said yesterday. "The right response to overnotification is not to restrict information and to keep consumers and Congress in the dark. If we want to
stop over-notification, then corporations need to clean up their act so consumers' personal information
is not compromised in the first place."
(Adapted from washingtonpost.com)
Segundo o texto,
a) os hackers so os responsveis pelo acesso s informaes pessoais e financeiras dos consumidores.

Focus Concursos Online


b) os republicanos acreditam que importante alertar os consumidores toda vez que houver invaso
dos sistemas de informao.
c) os democratas acusam os republicanos de sonegarem informaes ao Congresso.
d) se as empresas e as instituies que lidam com informaes pessoais zelassem pela segurana desses
dados, no haveria a necessidade de alertar os consumidores sobre constantes invases de
computadores.
e) ao defenderem um programa sistemtico de alerta aos consumidores, os republicanos demonstram
acreditar que melhor pecar pelo excesso do que pela falta de informaes aos consumidores.
Questo 38: CESGRANRIO - Ana (BACEN)/BACEN/rea 1/2009
Freedom of IMFormation
By Reza Moghadam
Posted on September 17, 2009 by iMFdirect
With the global financial crisis, the world is increasingly looking to the International Monetary
Fund- not just for financing but as the global institution charged with overseeing members' economies
and policies (what we call surveillance). It's easy to forget that only 10 years ago the Fund was a
secretive institution. That's no longer the case. Communicating and engaging with the world at large is
now a normal and essential part of the Fund's business.
The IMF today is a very open institution. The vast majority of our reports are published. The
public can search the IMF's archives. And we are making lots of effort to reach out to external
stakeholders.
The benefits of this increased transparency, both for the Fund's surveillance and lending
activities, are indisputable. Transparency allows us to engage with the public and to build a broader
understanding and support of what we do. It benefits the quality of our advice by subjecting our analysis
to outside scrutiny. And more generally, it makes us more accountable for our advice and financial
decisions. In all, it makes us a more effective and legitimate institution.
Frankly, the Fund cannot be a genuine leader on economic policy issues unless it is seen as
transparent. We certainly would not have been able to achieve the major reforms of our lending
frameworks and the increase in our financial resources had we not been seen as an open and
transparent institution. Rightly, the public expects to know what we are up to.
At the same time, certain aspects of transparency remain controversial. Some believe that
publication undermines candor in the reports, the frankness of discussions between staff and country
authorities, and the Fund's role as trusted advisor.
Communicating and engaging with the world at large is now a normal and essential part of the
Fund's business. We are gearing up to review the Fund's transparency policy, as part of our efforts to
increase our effectiveness.
The IMF has come a long way over the last 10 years, and publication rates of reports are high.
Raising them further is not the main issue, nor one that can easily be resolved without changes much of
our membership would consider revolutionary (such as making publication mandatory). Rather, further
efforts should focus on making progress on a broad front, on issues that may catch fewer headlines, but
are nevertheless crucial:

Focus Concursos Online


Reducing long publication lags. How can we simplify the cumbersome procedure for obtaining consent?
Maintaining the integrity of reports. The IMF's analysis and advice must be, and be seen to be,
convincing, candid, and independent. To this end, there is a long-standing and fundamental principle
that Fund reports are not "negotiated" documents.
Making the Fund's archives more accessible. The current setup for searching the archives-in particular
the need to travel to Washington to gain full access to them-is outdated. We should also consider
whether we can make some archived material available more quickly to the public.
http://blog-imfdirect.imf.org/2009/09/17/freedom-of-imformation/
The wordplay in the title refers to the fact that the
a) IMF has not dared to open its reserved archives in Washington to the public in general.
b) IMF has been adopting a transparency policy so as to enhance its credibility and legitimacy.
c) IMF must be freed from the impositions of the world leaders on its financial decisions.
d) once secret information kept by the IMF is not freely discussed nor is it easily negotiable.
e) world economies are trying to get rid of the excessive control of the IMF over their financial systems.
Questo 39: CESGRANRIO - Ana (BACEN)/BACEN/rea 1/2009
Freedom of IMFormation
By Reza Moghadam
Posted on September 17, 2009 by iMFdirect
With the global financial crisis, the world is increasingly looking to the International Monetary
Fund- not just for financing but as the global institution charged with overseeing members' economies
and policies (what we call surveillance). It's easy to forget that only 10 years ago the Fund was a
secretive institution. That's no longer the case. Communicating and engaging with the world at large is
now a normal and essential part of the Fund's business.
The IMF today is a very open institution. The vast majority of our reports are published. The
public can search the IMF's archives. And we are making lots of effort to reach out to external
stakeholders.
The benefits of this increased transparency, both for the Fund's surveillance and lending
activities, are indisputable. Transparency allows us to engage with the public and to build a broader
understanding and support of what we do. It benefits the quality of our advice by subjecting our analysis
to outside scrutiny. And more generally, it makes us more accountable for our advice and financial
decisions. In all, it makes us a more effective and legitimate institution.
Frankly, the Fund cannot be a genuine leader on economic policy issues unless it is seen as
transparent. We certainly would not have been able to achieve the major reforms of our lending
frameworks and the increase in our financial resources had we not been seen as an open and
transparent institution. Rightly, the public expects to know what we are up to.
At the same time, certain aspects of transparency remain controversial. Some believe that
publication undermines candor in the reports, the frankness of discussions between staff and country
authorities, and the Fund's role as trusted advisor.

Focus Concursos Online


Communicating and engaging with the world at large is now a normal and essential part of the
Fund's business. We are gearing up to review the Fund's transparency policy, as part of our efforts to
increase our effectiveness.
The IMF has come a long way over the last 10 years, and publication rates of reports are high.
Raising them further is not the main issue, nor one that can easily be resolved without changes much of
our membership would consider revolutionary (such as making publication mandatory). Rather, further
efforts should focus on making progress on a broad front, on issues that may catch fewer headlines, but
are nevertheless crucial:
Reducing long publication lags. How can we simplify the cumbersome procedure for obtaining consent?
Maintaining the integrity of reports. The IMF's analysis and advice must be, and be seen to be,
convincing, candid, and independent. To this end, there is a long-standing and fundamental principle
that Fund reports are not "negotiated" documents.
Making the Fund's archives more accessible. The current setup for searching the archives-in particular
the need to travel to Washington to gain full access to them-is outdated. We should also consider
whether we can make some archived material available more quickly to the public.
http://blog-imfdirect.imf.org/2009/09/17/freedom-of-imformation/
The only argument that CANNOT be considered supportive of publishing the IMF documents is that the
a) public must be made aware of what the IMF has been doing and the support it is giving to economic
policy issues.
b) IMF will be regarded as a more trustworthy institution if it releases its documents and financial
decisions to the public at large.
c) language used in documents that circulate publicly is usually more controlled and therefore less frank
and direct in exposing opinions and facts.
d) lack of access of external stakeholders to the issues the IMF supports and the actions it takes makes
the institution more vulnerable and less effective.
e) relevant changes made to the financing structure of the institution were only effected in recognition
of the IMF as a reputable and candid organization.
Questo 40: CESGRANRIO - Ana (BACEN)/BACEN/rea 1/2009
Freedom of IMFormation
By Reza Moghadam
Posted on September 17, 2009 by iMFdirect
With the global financial crisis, the world is increasingly looking to the International Monetary
Fund- not just for financing but as the global institution charged with overseeing members' economies
and policies (what we call surveillance). It's easy to forget that only 10 years ago the Fund was a
secretive institution. That's no longer the case. Communicating and engaging with the world at large is
now a normal and essential part of the Fund's business.
The IMF today is a very open institution. The vast majority of our reports are published. The
public can search the IMF's archives. And we are making lots of effort to reach out to external
stakeholders.
The benefits of this increased transparency, both for the Fund's surveillance and lending
activities, are indisputable. Transparency allows us to engage with the public and to build a broader

Focus Concursos Online


understanding and support of what we do. It benefits the quality of our advice by subjecting our analysis
to outside scrutiny. And more generally, it makes us more accountable for our advice and financial
decisions. In all, it makes us a more effective and legitimate institution.
Frankly, the Fund cannot be a genuine leader on economic policy issues unless it is seen as
transparent. We certainly would not have been able to achieve the major reforms of our lending
frameworks and the increase in our financial resources had we not been seen as an open and
transparent institution. Rightly, the public expects to know what we are up to.
At the same time, certain aspects of transparency remain controversial. Some believe that
publication undermines candor in the reports, the frankness of discussions between staff and country
authorities, and the Fund's role as trusted advisor.
Communicating and engaging with the world at large is now a normal and essential part of the
Fund's business. We are gearing up to review the Fund's transparency policy, as part of our efforts to
increase our effectiveness.
The IMF has come a long way over the last 10 years, and publication rates of reports are high.
Raising them further is not the main issue, nor one that can easily be resolved without changes much of
our membership would consider revolutionary (such as making publication mandatory). Rather, further
efforts should focus on making progress on a broad front, on issues that may catch fewer headlines, but
are nevertheless crucial:
Reducing long publication lags. How can we simplify the cumbersome procedure for obtaining consent?
Maintaining the integrity of reports. The IMF's analysis and advice must be, and be seen to be,
convincing, candid, and independent. To this end, there is a long-standing and fundamental principle
that Fund reports are not "negotiated" documents.
Making the Fund's archives more accessible. The current setup for searching the archives-in particular
the need to travel to Washington to gain full access to them-is outdated. We should also consider
whether we can make some archived material available more quickly to the public.
http://blog-imfdirect.imf.org/2009/09/17/freedom-of-imformation/
-----------------------------------------------------------------------------------------------------------------------------------------"I agree wholeheartedly with these transparency initiatives. I would also urge the IMF to keep
going further forward particularly in regards to archives, as well as releasing country reports as part of a
regular pattern of their activities, and to move to a system of releasing mandatory reports. In order for
us not to repeat the same mistakes over and over again, we must be able to discern patterns from real
world data. Secrecy is to be shunned since it promotes an imbalance in power and always leads to
abuses."
Rahim, on December 14th, 2009 at 12:41 am http://blog-imfdirect.imf.org/2009/09/17/freedom-ofimformation/#comment-579
The comment above is in tune with Moghadam's ideas, because Rahim states that
a) secret reports are not welcome in the IMF any more because they actually distort real world data.
b) some concealment measures should be preserved so as to protect IMF archives and country reports.
c) no country reports should be mandatory to avoid the imbalance of power among the world's leading
nations.

Focus Concursos Online


d) the transparency initiatives promoted by the IMF may eventually lead to mistakes and to an abuse of
power.
e) the IMF should regularly publish reports in order to keep the world informed on financial and
economic issues the institution has adopted.
Questo 41: FCC - Insp (CMV)/CVM/2003
Leia o texto abaixo para responder questo.
From the IPO to the First Trade: Is Underpricing Related to the Trading Mechanism?
Sonia Falconieri, Albert Murphy and Daniel Weaver
As documented by a vast empirical literature, IPOs are characterized by underpricing. Most of the
theoretical literature has linked the size of underpricing to the IPO procedure used on the primary
market. In this paper, by using a matched sample of NYSE and Nasdaq IPOs, we show that the size of
underpricing also depends on the trading method used in the IPO aftermarket.
There are two major methods of opening trading of initial public offerings (IPOs) in the U.S. The
NYSE is an order-driven market ...56 a call auction allows supply and demand to be aggregated (at one
location) prior to the start of trading. ...57 , Nasdaq is a quote-driven market. Dealers can only specify
their best quotes, and participants have ...58 idea of supply and demand away from the inside quotes.
We propose a new proxy for ex ante uncertainty of firm value and test it. Our results show that
there is a larger level of uncertainty at the beginning of trading on Nasdaq than on the NYSE. This in turn
is associated with larger levels of underpricing for Nasdaq IPOs. We suggest that this may be due to the
different informational efficiency of the two trading systems.
(http://www.nyse.com/marketinfo/p1020656068262.html?displayPage=%
2Fmarketinfo%2Fmarketinfo.html)
O texto acima
a) um trecho de um artigo jornalstico.
b) o resumo de um trabalho acadmico.
c) um informativo sobre operaes na Bolsa de Valores.
d) um alerta contra o perigo das negociaes na Nasdaq.
e) parte de um manual para iniciantes sobre negociaes na Bolsa.
Questo 42: FCC - Insp (CMV)/CVM/2003
Leia o texto abaixo para responder questo.
The hard cell
Thanks to politics, stem cell research in the United States is suffering. But not so in Sweden, which is
poised to capture what could be the biggest new market to hit biotech in a decade.
By Stephan Herrera February 13, 2003

Focus Concursos Online


New York, January 1, 2006:
Sweden announces that one of its biotechnology companies is the first in the world to enter clinical
trials with a new drug that could cure Alzheimer's disease. Four years ago this type of research was all
but stopped in the United States by political and ethical questions - which is...61 Sweden now seems in
the best position to capture a $25 billion market.
Any day now, the U.S. Congress is expected to pass a sweeping new law that could dramatically
inhibit researchers from working with stem cells taken from human embryos. Such cells, which can be
used to grow a whole host of new cells and organs, could fundamentally change the way we treat
heretofore intractable maladies like Alzheimer's disease, Parkinson's disease, cancer, stroke, liver
failure, and heart disease. The only problem is that these cells by definition are derived from human
embryos, many of which are cloned or come from unused fetuses collected at fertility clinics. The
argument, from a certain segment of the American political spectrum, is that...62 methods are morally
wrong. They are...63 a form of abortion or an activity that could eventually lead to human cloning.
Those working in stem cell research say the short-term effect of the legislation will be to further
chill all forms of scientific inquiry and commercialization efforts in the field. Entrepreneurs and investors
are already eschewing such research - in large part because of the additional uncertainty and risk that
politics introduce.
Of the nearly 50 private stem cell companies in the United States, only a handful are still viable.
Meanwhile, across the Atlantic, Sweden has avoided many of the political and ethical quagmires
surrounding this type of research. It currently has 40 private stem cell companies, a number that's
growing. Sweden's leading research universities have 32 percent of the world's stem cell inventory,
close on the heels of the United States' 35 percent.
Sweden, say analysts, is now in the best position to capture a worldwide market for drugs based
on stem cell therapies that could grow to $25 billion in the next three to five years - nearly equal to the
whole biotech industry at present. This estimate doesn't even address the market for stem cells capable
of repairing damaged vital organs like the brain, heart, and kidneys. If the United States offers an object
lesson of what can happen when scientific inquiry and investment capital fall victim to politics, Sweden
and its leading stem cell startup, NeuroNova, offer the opposite example. How odd that the United
States, which for generations has been the envy of the world for its progressive views of science and
commercialization, should now have a biomedical climate chillier than a Swedish winter.
One company feeling a lot of pain is StemCells, which at first glance seems to have it all: founding
scientists include Stanford's Dr. Weissman and Fred Gage of the Salk Institute in La Jolla, California. An
equally well-regarded expert in the treatment of Alzheimer's, Dr. Gage spent five years in Sweden as a
researcher and now sits on a national committee on stem cell research there. The firm's chairman is
Roger Perlmutter, Amgen's head of research.
Yet over the past two years, none of management's efforts to help investors and even critics
reconsider the stem cell field have worked. At press time, the stock was thinly traded and sitting in the
neighborhood of 50 cents. With less than $15 million in cash, the company likely won't exist at this time
next year. (CEO Martin McGlynn, who joined the firm in January 2001, would not talk to Red Herring,
despite repeated efforts.)
Some observers on Wall Street are asking, If StemCells can't make it, who can? Geron, the only
other publicly held stem cell firm to speak of, is in a fix, too. The company's stock price is also moribund,

Focus Concursos Online


at $3.85 per share. Thanks to some capital infusions a few years ago, when money came easy, Geron still
has $40 million on hand, but by the end of next year, that too will likely be gone. Once a media darling,
Geron focuses on diagnostic tests and drugs derived from stem cells, a strategy that's not going well. For
the nine months ended last September, revenue fell 68 percent to $955,000 and net loss widened 18
percent to $26.7 million. The company's financials were also hit hard after it terminated an agreement
with Pharmacia and acquired research technology from Lynx Therapeutics, which Geron bought in a
desperate attempt to be seen as something more than just a stem cell company.
The situation is quite different, however, for Sweden's NeuroNova, which has 30 academic
partners and a staff of 20. NeuroNova is working on ways to inject stem cells into the human brain to
trigger a process called neurogenesis (the growth of new neural cells), which could combat diseases like
Parkinson's, Alzheimer's, and even schizophrenia.
If NeuroNova is the first to develop a drug capable of treating one of several central nervous
system disorders - by far the most lucrative after heart disease products - it will have done so not
because it raised more money or got more media buzz than the rest. It will have succeeded because the
science is solid, and academe, government, and the investment community are supportive. Meanwhile,
the United States will look on with envy and wonder how it, a country known for its entrepreneurial
innovation, ever got so short-sighted.
(Adapted from http://www.redherring.com/investor/2003/02/biotech021303.html)
The underlined adverb now refers to year
a) 1999.
b) 2002.
c) 2003.
d) 2006.
e) 2007.
Questo 43: FCC - Insp (CMV)/CVM/2003
Leia o texto abaixo para responder questo.
The hard cell
Thanks to politics, stem cell research in the United States is suffering. But not so in Sweden, which is
poised to capture what could be the biggest new market to hit biotech in a decade.
By Stephan Herrera February 13, 2003
New York, January 1, 2006:
Sweden announces that one of its biotechnology companies is the first in the world to enter clinical
trials with a new drug that could cure Alzheimer's disease. Four years ago this type of research was all
but stopped in the United States by political and ethical questions - which is...61 Sweden now seems in
the best position to capture a $25 billion market.
Any day now, the U.S. Congress is expected to pass a sweeping new law that could dramatically
inhibit researchers from working with stem cells taken from human embryos. Such cells, which can be

Focus Concursos Online


used to grow a whole host of new cells and organs, could fundamentally change the way we treat
heretofore intractable maladies like Alzheimer's disease, Parkinson's disease, cancer, stroke, liver
failure, and heart disease. The only problem is that these cells by definition are derived from human
embryos, many of which are cloned or come from unused fetuses collected at fertility clinics. The
argument, from a certain segment of the American political spectrum, is that...62 methods are morally
wrong. They are...63 a form of abortion or an activity that could eventually lead to human cloning.
Those working in stem cell research say the short-term effect of the legislation will be to further
chill all forms of scientific inquiry and commercialization efforts in the field. Entrepreneurs and investors
are already eschewing such research - in large part because of the additional uncertainty and risk that
politics introduce.
Of the nearly 50 private stem cell companies in the United States, only a handful are still viable.
Meanwhile, across the Atlantic, Sweden has avoided many of the political and ethical quagmires
surrounding this type of research. It currently has 40 private stem cell companies, a number that's
growing. Sweden's leading research universities have 32 percent of the world's stem cell inventory,
close on the heels of the United States' 35 percent.
Sweden, say analysts, is now in the best position to capture a worldwide market for drugs based
on stem cell therapies that could grow to $25 billion in the next three to five years - nearly equal to the
whole biotech industry at present. This estimate doesn't even address the market for stem cells capable
of repairing damaged vital organs like the brain, heart, and kidneys. If the United States offers an object
lesson of what can happen when scientific inquiry and investment capital fall victim to politics, Sweden
and its leading stem cell startup, NeuroNova, offer the opposite example. How odd that the United
States, which for generations has been the envy of the world for its progressive views of science and
commercialization, should now have a biomedical climate chillier than a Swedish winter.
One company feeling a lot of pain is StemCells, which at first glance seems to have it all: founding
scientists include Stanford's Dr. Weissman and Fred Gage of the Salk Institute in La Jolla, California. An
equally well-regarded expert in the treatment of Alzheimer's, Dr. Gage spent five years in Sweden as a
researcher and now sits on a national committee on stem cell research there. The firm's chairman is
Roger Perlmutter, Amgen's head of research.
Yet over the past two years, none of management's efforts to help investors and even critics
reconsider the stem cell field have worked. At press time, the stock was thinly traded and sitting in the
neighborhood of 50 cents. With less than $15 million in cash, the company likely won't exist at this time
next year. (CEO Martin McGlynn, who joined the firm in January 2001, would not talk to Red Herring,
despite repeated efforts.)
Some observers on Wall Street are asking, If StemCells can't make it, who can? Geron, the only
other publicly held stem cell firm to speak of, is in a fix, too. The company's stock price is also moribund,
at $3.85 per share. Thanks to some capital infusions a few years ago, when money came easy, Geron still
has $40 million on hand, but by the end of next year, that too will likely be gone. Once a media darling,
Geron focuses on diagnostic tests and drugs derived from stem cells, a strategy that's not going well. For
the nine months ended last September, revenue fell 68 percent to $955,000 and net loss widened 18
percent to $26.7 million. The company's financials were also hit hard after it terminated an agreement
with Pharmacia and acquired research technology from Lynx Therapeutics, which Geron bought in a
desperate attempt to be seen as something more than just a stem cell company.

Focus Concursos Online


The situation is quite different, however, for Sweden's NeuroNova, which has 30 academic
partners and a staff of 20. NeuroNova is working on ways to inject stem cells into the human brain to
trigger a process called neurogenesis (the growth of new neural cells), which could combat diseases like
Parkinson's, Alzheimer's, and even schizophrenia.
If NeuroNova is the first to develop a drug capable of treating one of several central nervous
system disorders - by far the most lucrative after heart disease products - it will have done so not
because it raised more money or got more media buzz than the rest. It will have succeeded because the
science is solid, and academe, government, and the investment community are supportive. Meanwhile,
the United States will look on with envy and wonder how it, a country known for its entrepreneurial
innovation, ever got so short-sighted.
(Adapted from http://www.redherring.com/investor/2003/02/biotech021303.html)
De acordo com o texto,
a) nos ltimos dois anos todos os esforos para que os investidores voltassem a investir na StemCell
foram infrutferos.
b) at mesmo os crticos das pesquisas com clulas-tronco voltaram a considerar a possibilidade de
trabalhar nesse campo nos Estados Unidos.
c) apesar da pouca movimentao, as aes da StemCell apresentaram ligeira elevao, chegando a 50
centavos de dlar.
d) bastante provvel que, com um caixa de US$15 milhes, a StemCell consiga sobreviver mais um
ano, pelo menos.
e) depois de repetidos esforos, o Red Herring conseguiu uma entrevista com o CEO da StemCells.
Questo 44: FCC - Insp (CMV)/CVM/2003
Leia o texto abaixo para responder questo.
The hard cell
Thanks to politics, stem cell research in the United States is suffering. But not so in Sweden, which is
poised to capture what could be the biggest new market to hit biotech in a decade.
By Stephan Herrera February 13, 2003
New York, January 1, 2006:
Sweden announces that one of its biotechnology companies is the first in the world to enter clinical
trials with a new drug that could cure Alzheimer's disease. Four years ago this type of research was all
but stopped in the United States by political and ethical questions - which is...61 Sweden now seems in
the best position to capture a $25 billion market.
Any day now, the U.S. Congress is expected to pass a sweeping new law that could dramatically
inhibit researchers from working with stem cells taken from human embryos. Such cells, which can be
used to grow a whole host of new cells and organs, could fundamentally change the way we treat
heretofore intractable maladies like Alzheimer's disease, Parkinson's disease, cancer, stroke, liver
failure, and heart disease. The only problem is that these cells by definition are derived from human
embryos, many of which are cloned or come from unused fetuses collected at fertility clinics. The

Focus Concursos Online


argument, from a certain segment of the American political spectrum, is that...62 methods are morally
wrong. They are...63 a form of abortion or an activity that could eventually lead to human cloning.
Those working in stem cell research say the short-term effect of the legislation will be to further
chill all forms of scientific inquiry and commercialization efforts in the field. Entrepreneurs and investors
are already eschewing such research - in large part because of the additional uncertainty and risk that
politics introduce.
Of the nearly 50 private stem cell companies in the United States, only a handful are still viable.
Meanwhile, across the Atlantic, Sweden has avoided many of the political and ethical quagmires
surrounding this type of research. It currently has 40 private stem cell companies, a number that's
growing. Sweden's leading research universities have 32 percent of the world's stem cell inventory,
close on the heels of the United States' 35 percent.
Sweden, say analysts, is now in the best position to capture a worldwide market for drugs based
on stem cell therapies that could grow to $25 billion in the next three to five years - nearly equal to the
whole biotech industry at present. This estimate doesn't even address the market for stem cells capable
of repairing damaged vital organs like the brain, heart, and kidneys. If the United States offers an object
lesson of what can happen when scientific inquiry and investment capital fall victim to politics, Sweden
and its leading stem cell startup, NeuroNova, offer the opposite example. How odd that the United
States, which for generations has been the envy of the world for its progressive views of science and
commercialization, should now have a biomedical climate chillier than a Swedish winter.
One company feeling a lot of pain is StemCells, which at first glance seems to have it all: founding
scientists include Stanford's Dr. Weissman and Fred Gage of the Salk Institute in La Jolla, California. An
equally well-regarded expert in the treatment of Alzheimer's, Dr. Gage spent five years in Sweden as a
researcher and now sits on a national committee on stem cell research there. The firm's chairman is
Roger Perlmutter, Amgen's head of research.
Yet over the past two years, none of management's efforts to help investors and even critics
reconsider the stem cell field have worked. At press time, the stock was thinly traded and sitting in the
neighborhood of 50 cents. With less than $15 million in cash, the company likely won't exist at this time
next year. (CEO Martin McGlynn, who joined the firm in January 2001, would not talk to Red Herring,
despite repeated efforts.)
Some observers on Wall Street are asking, If StemCells can't make it, who can? Geron, the only
other publicly held stem cell firm to speak of, is in a fix, too. The company's stock price is also moribund,
at $3.85 per share. Thanks to some capital infusions a few years ago, when money came easy, Geron still
has $40 million on hand, but by the end of next year, that too will likely be gone. Once a media darling,
Geron focuses on diagnostic tests and drugs derived from stem cells, a strategy that's not going well. For
the nine months ended last September, revenue fell 68 percent to $955,000 and net loss widened 18
percent to $26.7 million. The company's financials were also hit hard after it terminated an agreement
with Pharmacia and acquired research technology from Lynx Therapeutics, which Geron bought in a
desperate attempt to be seen as something more than just a stem cell company.
The situation is quite different, however, for Sweden's NeuroNova, which has 30 academic
partners and a staff of 20. NeuroNova is working on ways to inject stem cells into the human brain to
trigger a process called neurogenesis (the growth of new neural cells), which could combat diseases like
Parkinson's, Alzheimer's, and even schizophrenia.

Focus Concursos Online


If NeuroNova is the first to develop a drug capable of treating one of several central nervous
system disorders - by far the most lucrative after heart disease products - it will have done so not
because it raised more money or got more media buzz than the rest. It will have succeeded because the
science is solid, and academe, government, and the investment community are supportive. Meanwhile,
the United States will look on with envy and wonder how it, a country known for its entrepreneurial
innovation, ever got so short-sighted.
(Adapted from http://www.redherring.com/investor/2003/02/biotech021303.html)
Segundo o texto, a Geron
a) a mais forte concorrente da StemCells.
b) comprou tecnologia da Lynx Therapeutics para mudar sua imagem.
c) teve investimentos substanciais h alguns anos, o que lhe permitir superar sua crise atual.
d) conseguiu diminuir em 18% seu prejuzo lquido.
e) baixou o preo de suas aes para US$3,85, num esforo desesperado para atrair investidores.
Questo 45: FCC - Insp (CMV)/CVM/2003
Leia o texto abaixo para responder questo.
The hard cell
Thanks to politics, stem cell research in the United States is suffering. But not so in Sweden, which is
poised to capture what could be the biggest new market to hit biotech in a decade.
By Stephan Herrera February 13, 2003
New York, January 1, 2006:
Sweden announces that one of its biotechnology companies is the first in the world to enter clinical
trials with a new drug that could cure Alzheimer's disease. Four years ago this type of research was all
but stopped in the United States by political and ethical questions - which is...61 Sweden now seems in
the best position to capture a $25 billion market.
Any day now, the U.S. Congress is expected to pass a sweeping new law that could dramatically
inhibit researchers from working with stem cells taken from human embryos. Such cells, which can be
used to grow a whole host of new cells and organs, could fundamentally change the way we treat
heretofore intractable maladies like Alzheimer's disease, Parkinson's disease, cancer, stroke, liver
failure, and heart disease. The only problem is that these cells by definition are derived from human
embryos, many of which are cloned or come from unused fetuses collected at fertility clinics. The
argument, from a certain segment of the American political spectrum, is that...62 methods are morally
wrong. They are...63 a form of abortion or an activity that could eventually lead to human cloning.
Those working in stem cell research say the short-term effect of the legislation will be to further
chill all forms of scientific inquiry and commercialization efforts in the field. Entrepreneurs and investors
are already eschewing such research - in large part because of the additional uncertainty and risk that
politics introduce.

Focus Concursos Online


Of the nearly 50 private stem cell companies in the United States, only a handful are still viable.
Meanwhile, across the Atlantic, Sweden has avoided many of the political and ethical quagmires
surrounding this type of research. It currently has 40 private stem cell companies, a number that's
growing. Sweden's leading research universities have 32 percent of the world's stem cell inventory,
close on the heels of the United States' 35 percent.
Sweden, say analysts, is now in the best position to capture a worldwide market for drugs based
on stem cell therapies that could grow to $25 billion in the next three to five years - nearly equal to the
whole biotech industry at present. This estimate doesn't even address the market for stem cells capable
of repairing damaged vital organs like the brain, heart, and kidneys. If the United States offers an object
lesson of what can happen when scientific inquiry and investment capital fall victim to politics, Sweden
and its leading stem cell startup, NeuroNova, offer the opposite example. How odd that the United
States, which for generations has been the envy of the world for its progressive views of science and
commercialization, should now have a biomedical climate chillier than a Swedish winter.
One company feeling a lot of pain is StemCells, which at first glance seems to have it all: founding
scientists include Stanford's Dr. Weissman and Fred Gage of the Salk Institute in La Jolla, California. An
equally well-regarded expert in the treatment of Alzheimer's, Dr. Gage spent five years in Sweden as a
researcher and now sits on a national committee on stem cell research there. The firm's chairman is
Roger Perlmutter, Amgen's head of research.
Yet over the past two years, none of management's efforts to help investors and even critics
reconsider the stem cell field have worked. At press time, the stock was thinly traded and sitting in the
neighborhood of 50 cents. With less than $15 million in cash, the company likely won't exist at this time
next year. (CEO Martin McGlynn, who joined the firm in January 2001, would not talk to Red Herring,
despite repeated efforts.)
Some observers on Wall Street are asking, If StemCells can't make it, who can? Geron, the only
other publicly held stem cell firm to speak of, is in a fix, too. The company's stock price is also moribund,
at $3.85 per share. Thanks to some capital infusions a few years ago, when money came easy, Geron still
has $40 million on hand, but by the end of next year, that too will likely be gone. Once a media darling,
Geron focuses on diagnostic tests and drugs derived from stem cells, a strategy that's not going well. For
the nine months ended last September, revenue fell 68 percent to $955,000 and net loss widened 18
percent to $26.7 million. The company's financials were also hit hard after it terminated an agreement
with Pharmacia and acquired research technology from Lynx Therapeutics, which Geron bought in a
desperate attempt to be seen as something more than just a stem cell company.
The situation is quite different, however, for Sweden's NeuroNova, which has 30 academic
partners and a staff of 20. NeuroNova is working on ways to inject stem cells into the human brain to
trigger a process called neurogenesis (the growth of new neural cells), which could combat diseases like
Parkinson's, Alzheimer's, and even schizophrenia.
If NeuroNova is the first to develop a drug capable of treating one of several central nervous
system disorders - by far the most lucrative after heart disease products - it will have done so not
because it raised more money or got more media buzz than the rest. It will have succeeded because the
science is solid, and academe, government, and the investment community are supportive. Meanwhile,
the United States will look on with envy and wonder how it, a country known for its entrepreneurial
innovation, ever got so short-sighted.
(Adapted from http://www.redherring.com/investor/2003/02/biotech021303.html)

Focus Concursos Online


O autor do artigo
a) acredita que os Estados Unidos esto perdendo seu lugar como lder das pesquisas com clulastronco.
b) apia a poltica do governo americano em relao pesquisa com clulas-tronco.
c) de opinio que os Estados Unidos e a Sucia deveriam juntar esforos nas pesquisas com
clulastronco.
d) contra a pesquisa com clulas-tronco por questes morais.
e) a favor das pesquisas com clulas-tronco, desde que essas no sejam provenientes de seres
humanos.
Questo 46: FCC - Insp (CMV)/CVM/2003
Leia o texto abaixo para responder questo.
The hard cell
Thanks to politics, stem cell research in the United States is suffering. But not so in Sweden, which is
poised to capture what could be the biggest new market to hit biotech in a decade.
By Stephan Herrera February 13, 2003
New York, January 1, 2006:
Sweden announces that one of its biotechnology companies is the first in the world to enter clinical
trials with a new drug that could cure Alzheimer's disease. Four years ago this type of research was all
but stopped in the United States by political and ethical questions - which is...61 Sweden now seems in
the best position to capture a $25 billion market.
Any day now, the U.S. Congress is expected to pass a sweeping new law that could dramatically
inhibit researchers from working with stem cells taken from human embryos. Such cells, which can be
used to grow a whole host of new cells and organs, could fundamentally change the way we treat
heretofore intractable maladies like Alzheimer's disease, Parkinson's disease, cancer, stroke, liver
failure, and heart disease. The only problem is that these cells by definition are derived from human
embryos, many of which are cloned or come from unused fetuses collected at fertility clinics. The
argument, from a certain segment of the American political spectrum, is that...62 methods are morally
wrong. They are...63 a form of abortion or an activity that could eventually lead to human cloning.
Those working in stem cell research say the short-term effect of the legislation will be to further
chill all forms of scientific inquiry and commercialization efforts in the field. Entrepreneurs and investors
are already eschewing such research - in large part because of the additional uncertainty and risk that
politics introduce.
Of the nearly 50 private stem cell companies in the United States, only a handful are still viable.
Meanwhile, across the Atlantic, Sweden has avoided many of the political and ethical quagmires
surrounding this type of research. It currently has 40 private stem cell companies, a number that's
growing. Sweden's leading research universities have 32 percent of the world's stem cell inventory,
close on the heels of the United States' 35 percent.

Focus Concursos Online


Sweden, say analysts, is now in the best position to capture a worldwide market for drugs based
on stem cell therapies that could grow to $25 billion in the next three to five years - nearly equal to the
whole biotech industry at present. This estimate doesn't even address the market for stem cells capable
of repairing damaged vital organs like the brain, heart, and kidneys. If the United States offers an object
lesson of what can happen when scientific inquiry and investment capital fall victim to politics, Sweden
and its leading stem cell startup, NeuroNova, offer the opposite example. How odd that the United
States, which for generations has been the envy of the world for its progressive views of science and
commercialization, should now have a biomedical climate chillier than a Swedish winter.
One company feeling a lot of pain is StemCells, which at first glance seems to have it all: founding
scientists include Stanford's Dr. Weissman and Fred Gage of the Salk Institute in La Jolla, California. An
equally well-regarded expert in the treatment of Alzheimer's, Dr. Gage spent five years in Sweden as a
researcher and now sits on a national committee on stem cell research there. The firm's chairman is
Roger Perlmutter, Amgen's head of research.
Yet over the past two years, none of management's efforts to help investors and even critics
reconsider the stem cell field have worked. At press time, the stock was thinly traded and sitting in the
neighborhood of 50 cents. With less than $15 million in cash, the company likely won't exist at this time
next year. (CEO Martin McGlynn, who joined the firm in January 2001, would not talk to Red Herring,
despite repeated efforts.)
Some observers on Wall Street are asking, If StemCells can't make it, who can? Geron, the only
other publicly held stem cell firm to speak of, is in a fix, too. The company's stock price is also moribund,
at $3.85 per share. Thanks to some capital infusions a few years ago, when money came easy, Geron still
has $40 million on hand, but by the end of next year, that too will likely be gone. Once a media darling,
Geron focuses on diagnostic tests and drugs derived from stem cells, a strategy that's not going well. For
the nine months ended last September, revenue fell 68 percent to $955,000 and net loss widened 18
percent to $26.7 million. The company's financials were also hit hard after it terminated an agreement
with Pharmacia and acquired research technology from Lynx Therapeutics, which Geron bought in a
desperate attempt to be seen as something more than just a stem cell company.
The situation is quite different, however, for Sweden's NeuroNova, which has 30 academic
partners and a staff of 20. NeuroNova is working on ways to inject stem cells into the human brain to
trigger a process called neurogenesis (the growth of new neural cells), which could combat diseases like
Parkinson's, Alzheimer's, and even schizophrenia.
If NeuroNova is the first to develop a drug capable of treating one of several central nervous
system disorders - by far the most lucrative after heart disease products - it will have done so not
because it raised more money or got more media buzz than the rest. It will have succeeded because the
science is solid, and academe, government, and the investment community are supportive. Meanwhile,
the United States will look on with envy and wonder how it, a country known for its entrepreneurial
innovation, ever got so short-sighted.
(Adapted from http://www.redherring.com/investor/2003/02/biotech021303.html)
To say that the U.S. has a biomedical climate that is chillier than a Swedish winter implies that
a) U.S. winters are milder than Sweden's.
b) it's better to live in Sweden during the winter.
c) biomedical research is more active in Sweden.

Focus Concursos Online


d) biomedical research in the U.S. tends to develop more during the winter.
e) the U.S. and Sweden are equally involved in biomedical research.
Questo 47: FCC - Ana (CVM)/CVM/Sistemas/2003
Leia o texto abaixo para responder questo.
From the IPO to the First Trade: Is Underpricing Related to the Trading Mechanism?
Sonia Falconieri, Albert Murphy and Daniel Weaver
As documented by a vast empirical literature, IPOs are characterized by underpricing. Most of the
theoretical literature has linked the size of underpricing to the IPO procedure used on the primary
market. In this paper, by using a matched sample of NYSE and Nasdaq IPOs, we show that the size of
underpricing also depends on the trading method used in the IPO aftermarket.
There are two major methods of opening trading of initial public offerings (IPOs) in the U.S. The
NYSE is an order-driven market ...51 a call auction allows supply and demand to be aggregated (at one
location) prior to the start of trading. ...52 , Nasdaq is a quote-driven market. Dealers can only specify
their best quotes, and participants have ...53 idea of supply and demand away from the inside quotes.
We propose a new proxy for ex ante uncertainty of firm value and test it. Our results show that
there is a larger level of uncertainty at the beginning of trading on Nasdaq than on the NYSE. This in turn
is associated with larger levels of underpricing for Nasdaq IPOs. We suggest that this may be due to the
different informational efficiency of the two trading systems.
(http://www.nyse.com/marketinfo/p1020656068262.html?displayPage=%
2Fmarketinfo%2Fmarketinfo.html)
Os autores do texto sugerem que
a) o nvel de desgio nas ofertas pblicas iniciais nunca foi objeto de um estudo srio.
b) o baixo nvel de desgio nas ofertas pblicas iniciais na Nasdaq est relacionado eficincia de seu
mtodo de negociao.
c) os nveis de incerteza que precedem as negociaes esto associados eficincia dos mtodos de
informao das diferentes Bolsas.
d) a Bolsa de Valores de Nova Iorque deveria adotar o sistema da Nasdaq para evitar altos nveis de
incerteza pr-negociaes.
e) os nveis de incerteza que precedem as negociaes no dependem dos mtodos usados no prego
noturno.
Questo 48: FCC - Ana (CVM)/CVM/Sistemas/2003
Leia o texto abaixo para responder questo.
The hard cell
Thanks to politics, stem cell research in the United States is suffering. But not so in Sweden, which is
poised to capture what could be the biggest new market to hit biotech in a decade.

Focus Concursos Online


By Stephan Herrera February 13, 2003
New York, January 1, 2006:
Sweden announces that one of its biotechnology companies is the first in the world to enter clinical
trials with a new drug that could cure Alzheimer's disease. Four years ago this type of research was all
but stopped in the United States by political and ethical questions - which is...58 Sweden now seems in
the best position to capture a $25 billion market.
Any day now, the U.S. Congress is expected to pass a sweeping new law that could dramatically
inhibit researchers from working with stem cells taken from human embryos. Such cells, which can be
used to grow a whole host of new cells and organs, could fundamentally change the way we treat
heretofore intractable maladies like Alzheimer's disease, Parkinson's disease, cancer, stroke, liver
failure, and heart disease. The only problem is that these cells by definition are derived from human
embryos, many of which are cloned or come from unused fetuses collected at fertility clinics. The
argument, from a certain segment of the American political spectrum, is that...59 methods are morally
wrong. They are...60 a form of abortion or an activity that could eventually lead to human cloning.
Those working in stem cell research say the short-term effect of the legislation will be to further
chill all forms of scientific inquiry and commercialization efforts in the field. Entrepreneurs and investors
are already eschewing such research - in large part because of the additional uncertainty and risk that
politics introduce.
Of the nearly 50 private stem cell companies in the United States, only a handful are still viable.
Meanwhile, across the Atlantic, Sweden has avoided many of the political and ethical quagmires
surrounding this type of research. It currently has 40 private stem cell companies, a number that's
growing. Sweden's leading research universities have 32 percent of the world's stem cell inventory,
close on the heels of the United States' 35 percent.
Sweden, say analysts, is now in the best position to capture a worldwide market for drugs based
on stem cell therapies that could grow to $25 billion in the next three to five years - nearly equal to the
whole biotech industry at present. This estimate doesn't even address the market for stem cells capable
of repairing damaged vital organs like the brain, heart, and kidneys. If the United States offers an object
lesson of what can happen when scientific inquiry and investment capital fall victim to politics, Sweden
and its leading stem cell startup, NeuroNova, offer the opposite example. How odd that the United
States, which for generations has been the envy of the world for its progressive views of science and
commercialization, should now have a biomedical climate chillier than a Swedish winter.
One company feeling a lot of pain is StemCells, which at first glance seems to have it all: founding
scientists include Stanford's Dr. Weissman and Fred Gage of the Salk Institute in La Jolla, California. An
equally well-regarded expert in the treatment of Alzheimer's, Dr. Gage spent five years in Sweden as a
researcher and now sits on a national committee on stem cell research there. The firm's chairman is
Roger Perlmutter, Amgen's head of research.
Yet over the past two years, none of management's efforts to help investors and even critics
reconsider the stem cell field have worked. At press time, the stock was thinly traded and sitting in the
neighborhood of 50 cents. With less than $15 million in cash, the company likely won't exist at this time
next year. (CEO Martin McGlynn, who joined the firm in January 2001, would not talk to Red Herring,
despite repeated efforts.)

Focus Concursos Online


Some observers on Wall Street are asking, If StemCells can't make it, who can? Geron, the only
other publicly held stem cell firm to speak of, is in a fix, too. The company's stock price is also moribund,
at $3.85 per share. Thanks to some capital infusions a few years ago, when money came easy, Geron still
has $40 million on hand, but by the end of next year, that too will likely be gone. Once a media darling,
Geron focuses on diagnostic tests and drugs derived from stem cells, a strategy that's not going well. For
the nine months ended last September, revenue fell 68 percent to $955,000 and net loss widened 18
percent to $26.7 million. The company's financials were also hit hard after it terminated an agreement
with Pharmacia and acquired research technology from Lynx Therapeutics, which Geron bought in a
desperate attempt to be seen as something more than just a stem cell company.
The situation is quite different, however, for Sweden's NeuroNova, which has 30 academic
partners and a staff of 20. NeuroNova is working on ways to inject stem cells into the human brain to
trigger a process called neurogenesis (the growth of new neural cells), which could combat diseases like
Parkinson's, Alzheimer's, and even schizophrenia.
If NeuroNova is the first to develop a drug capable of treating one of several central nervous
system disorders - by far the most lucrative after heart disease products - it will have done so not
because it raised more money or got more media buzz than the rest. It will have succeeded because the
science is solid, and academe, government, and the investment community are supportive. Meanwhile,
the United States will look on with envy and wonder how it, a country known for its entrepreneurial
innovation, ever got so short-sighted.
(Adapted from http://www.redherring.com/investor/2003/02/biotech021303.html)
Segundo o texto, a NeuroNova
a) est enfrentando problemas para conduzir suas pesquisas com clulas-tronco devido ao seu reduzido
quadro de funcionrios e falta de investimentos.
b) tem conseguido, graas a sua idoneidade, angariar fundos e obter mais espao na mdia do que suas
concorrentes americanas.
c) j vem atuando no lucrativo mercado de drogas que combatem problemas cardacos.
d) descobriu um processo denominado neurognese para combater doenas como o mal de Parkinson,
Alzheimer e at mesmo a esquizofrenia.
e) poder vir a ser a primeira empresa a desenvolver drogas para combater distrbios do sistema
nervoso central porque conseguiu o apoio da comunidade acadmica, do governo e dos investidores.
Questo 49: FCC - Ana (CVM)/CVM/Sistemas/2003
Leia o texto abaixo para responder questo.
The hard cell
Thanks to politics, stem cell research in the United States is suffering. But not so in Sweden, which is
poised to capture what could be the biggest new market to hit biotech in a decade.
By Stephan Herrera February 13, 2003
New York, January 1, 2006:

Focus Concursos Online


Sweden announces that one of its biotechnology companies is the first in the world to enter clinical
trials with a new drug that could cure Alzheimer's disease. Four years ago this type of research was all
but stopped in the United States by political and ethical questions - which is...58 Sweden now seems in
the best position to capture a $25 billion market.
Any day now, the U.S. Congress is expected to pass a sweeping new law that could dramatically
inhibit researchers from working with stem cells taken from human embryos. Such cells, which can be
used to grow a whole host of new cells and organs, could fundamentally change the way we treat
heretofore intractable maladies like Alzheimer's disease, Parkinson's disease, cancer, stroke, liver
failure, and heart disease. The only problem is that these cells by definition are derived from human
embryos, many of which are cloned or come from unused fetuses collected at fertility clinics. The
argument, from a certain segment of the American political spectrum, is that...59 methods are morally
wrong. They are...60 a form of abortion or an activity that could eventually lead to human cloning.
Those working in stem cell research say the short-term effect of the legislation will be to further
chill all forms of scientific inquiry and commercialization efforts in the field. Entrepreneurs and investors
are already eschewing such research - in large part because of the additional uncertainty and risk that
politics introduce.
Of the nearly 50 private stem cell companies in the United States, only a handful are still viable.
Meanwhile, across the Atlantic, Sweden has avoided many of the political and ethical quagmires
surrounding this type of research. It currently has 40 private stem cell companies, a number that's
growing. Sweden's leading research universities have 32 percent of the world's stem cell inventory,
close on the heels of the United States' 35 percent.
Sweden, say analysts, is now in the best position to capture a worldwide market for drugs based
on stem cell therapies that could grow to $25 billion in the next three to five years - nearly equal to the
whole biotech industry at present. This estimate doesn't even address the market for stem cells capable
of repairing damaged vital organs like the brain, heart, and kidneys. If the United States offers an object
lesson of what can happen when scientific inquiry and investment capital fall victim to politics, Sweden
and its leading stem cell startup, NeuroNova, offer the opposite example. How odd that the United
States, which for generations has been the envy of the world for its progressive views of science and
commercialization, should now have a biomedical climate chillier than a Swedish winter.
One company feeling a lot of pain is StemCells, which at first glance seems to have it all: founding
scientists include Stanford's Dr. Weissman and Fred Gage of the Salk Institute in La Jolla, California. An
equally well-regarded expert in the treatment of Alzheimer's, Dr. Gage spent five years in Sweden as a
researcher and now sits on a national committee on stem cell research there. The firm's chairman is
Roger Perlmutter, Amgen's head of research.
Yet over the past two years, none of management's efforts to help investors and even critics
reconsider the stem cell field have worked. At press time, the stock was thinly traded and sitting in the
neighborhood of 50 cents. With less than $15 million in cash, the company likely won't exist at this time
next year. (CEO Martin McGlynn, who joined the firm in January 2001, would not talk to Red Herring,
despite repeated efforts.)
Some observers on Wall Street are asking, If StemCells can't make it, who can? Geron, the only
other publicly held stem cell firm to speak of, is in a fix, too. The company's stock price is also moribund,
at $3.85 per share. Thanks to some capital infusions a few years ago, when money came easy, Geron still
has $40 million on hand, but by the end of next year, that too will likely be gone. Once a media darling,

Focus Concursos Online


Geron focuses on diagnostic tests and drugs derived from stem cells, a strategy that's not going well. For
the nine months ended last September, revenue fell 68 percent to $955,000 and net loss widened 18
percent to $26.7 million. The company's financials were also hit hard after it terminated an agreement
with Pharmacia and acquired research technology from Lynx Therapeutics, which Geron bought in a
desperate attempt to be seen as something more than just a stem cell company.
The situation is quite different, however, for Sweden's NeuroNova, which has 30 academic
partners and a staff of 20. NeuroNova is working on ways to inject stem cells into the human brain to
trigger a process called neurogenesis (the growth of new neural cells), which could combat diseases like
Parkinson's, Alzheimer's, and even schizophrenia.
If NeuroNova is the first to develop a drug capable of treating one of several central nervous
system disorders - by far the most lucrative after heart disease products - it will have done so not
because it raised more money or got more media buzz than the rest. It will have succeeded because the
science is solid, and academe, government, and the investment community are supportive. Meanwhile,
the United States will look on with envy and wonder how it, a country known for its entrepreneurial
innovation, ever got so short-sighted.
(Adapted from http://www.redherring.com/investor/2003/02/biotech021303.html)
According to the text,
a) Sweden has only 40 private stem cell companies because of political and ethical problems it has
experienced in the past.
b) there are 32 research universities involved in stem cell work in Sweden as opposed to 35 in the U.S.
c) Sweden has already surpassed the U.S. as the world's leading researcher in clinical stem cell research.
d) while the number of private stem cell companies is growing in Sweden, it is diminishing dramatically
in the U.S.
e) Sweden has already captured the worldwide market for drugs derived from stem cell research.
Questo 50: FCC - Ana (CVM)/CVM/Normas Contbeis e de Auditoria/2003
O texto abaixo, refere-se questo.
Michael R. Bloomberg is the 108th Mayor of the City of New York. He was born on February 14,
1942 to middle class parents in Medford, Massachusetts, where his father was the bookkeeper at a local
dairy. Mayor Bloomberg's thirst for information and fascination with technology was evident at an early
age, and led him to Johns Hopkins University, where he parked cars and took out loans to finance his
education. After his college graduation, he gained an MBA from Harvard and in the summer of 1966, he
was hired by Salomon Brothers to work on Wall Street.
He quickly advanced through the ranks, and became a partner in 1972. Soon after, he was
supervising all of Salomon's stock trading, sales and later, its information systems. He was fired in 1981
after another company acquired Salomon. Michael Bloomberg used his stake from the Salomon sale to
start his...39 company, an endeavor that would revolutionize the way that Wall Street...40 business. As a
young trader, he had been amazed at the archaic nature in which information was stored. When he
needed to see how a stock had been trading three weeks earlier, he had to find a copy of the Wall Street
Journal from the date in question, and the records system consisted of clerks penciling trades in oversize
ledgers....41, he created a financial information computer that would collect and analyze different
combinations of past and present securities data and deliver it immediately to the user.

Focus Concursos Online


In 1982, Bloomberg LP sold 20 subscriptions to its service; 20 years...42, Bloomberg LP has over
165,000 subscribers worldwide. As the business proved its viability, the company branched out and in
1990 Bloomberg LP entered the media business, launching a news service, and then radio, television,
Internet, and publishing operations.
Nearly 20 years after its founding, Bloomberg LP now employs more than 8,000 people - including
2,500 in New York City - in more than 100 offices worldwide. As the company enjoyed tremendous
growth, Michael Bloomberg dedicated more of his time and energy to philanthropy and civic affairs. His
desire to improve education, advance medical research and increase access to the arts, has provided the
motivation for much of his philanthropy.
The Mayor served as the Chairman of the Board of Trustees of Johns Hopkins University until May
2002. Recently, he was honored by Johns Hopkins University, when its School of Hygiene and Public
Health was renamed "The Bloomberg School of Public Health," a tribute to his leadership and use of
philanthropy to improve the human...43.
In 1997, Michael Bloomberg published his autobiography, Bloomberg by Bloomberg. All of the
royalties from sales of the book are donated to the Committee to Protect Journalists.
(Adapted
from
http://home.nyc.gov/portal/index.jsp?pageID=nyc_mayor_bio&catID=119
4&cc=unused1196&rc=1194&ndi=-1)
In the text, 5th paragraph, the underlined pronoun its refers to
a) Board of Trustees.
b) the Mayor.
c) Johns Hopkins University.
d) Michael Bloomberg.
e) School of Hygiene and Public Health.
Questo 51: FCC - Ana (CVM)/CVM/Normas Contbeis e de Auditoria/2003
O texto abaixo, refere-se questo.
Michael R. Bloomberg is the 108th Mayor of the City of New York. He was born on February 14,
1942 to middle class parents in Medford, Massachusetts, where his father was the bookkeeper at a local
dairy. Mayor Bloomberg's thirst for information and fascination with technology was evident at an early
age, and led him to Johns Hopkins University, where he parked cars and took out loans to finance his
education. After his college graduation, he gained an MBA from Harvard and in the summer of 1966, he
was hired by Salomon Brothers to work on Wall Street.
He quickly advanced through the ranks, and became a partner in 1972. Soon after, he was
supervising all of Salomon's stock trading, sales and later, its information systems. He was fired in 1981
after another company acquired Salomon. Michael Bloomberg used his stake from the Salomon sale to
start his...39 company, an endeavor that would revolutionize the way that Wall Street...40 business. As a
young trader, he had been amazed at the archaic nature in which information was stored. When he
needed to see how a stock had been trading three weeks earlier, he had to find a copy of the Wall Street
Journal from the date in question, and the records system consisted of clerks penciling trades in oversize

Focus Concursos Online


ledgers....41, he created a financial information computer that would collect and analyze different
combinations of past and present securities data and deliver it immediately to the user.
In 1982, Bloomberg LP sold 20 subscriptions to its service; 20 years...42, Bloomberg LP has over
165,000 subscribers worldwide. As the business proved its viability, the company branched out and in
1990 Bloomberg LP entered the media business, launching a news service, and then radio, television,
Internet, and publishing operations.
Nearly 20 years after its founding, Bloomberg LP now employs more than 8,000 people - including
2,500 in New York City - in more than 100 offices worldwide. As the company enjoyed tremendous
growth, Michael Bloomberg dedicated more of his time and energy to philanthropy and civic affairs. His
desire to improve education, advance medical research and increase access to the arts, has provided the
motivation for much of his philanthropy.
The Mayor served as the Chairman of the Board of Trustees of Johns Hopkins University until May
2002. Recently, he was honored by Johns Hopkins University, when its School of Hygiene and Public
Health was renamed "The Bloomberg School of Public Health," a tribute to his leadership and use of
philanthropy to improve the human...43.
In 1997, Michael Bloomberg published his autobiography, Bloomberg by Bloomberg. All of the
royalties from sales of the book are donated to the Committee to Protect Journalists.
(Adapted
from
http://home.nyc.gov/portal/index.jsp?pageID=nyc_mayor_bio&catID=119
4&cc=unused1196&rc=1194&ndi=-1)
Segundo o texto, Bloomberg
a) desenvolveu seu interesse por tecnologia na universidade.
b) filho de um livreiro.
c) vem de uma famlia rica de Medford, Mass.
d) nasceu na cidade de Nova Iorque, em 1942.
e) teve de contrair emprstimos para pagar seus estudos.
Questo 52: FCC - Ana (CVM)/CVM/Normas Contbeis e de Auditoria/2003
O texto abaixo, refere-se questo.
Michael R. Bloomberg is the 108th Mayor of the City of New York. He was born on February 14,
1942 to middle class parents in Medford, Massachusetts, where his father was the bookkeeper at a local
dairy. Mayor Bloomberg's thirst for information and fascination with technology was evident at an early
age, and led him to Johns Hopkins University, where he parked cars and took out loans to finance his
education. After his college graduation, he gained an MBA from Harvard and in the summer of 1966, he
was hired by Salomon Brothers to work on Wall Street.
He quickly advanced through the ranks, and became a partner in 1972. Soon after, he was
supervising all of Salomon's stock trading, sales and later, its information systems. He was fired in 1981
after another company acquired Salomon. Michael Bloomberg used his stake from the Salomon sale to
start his...39 company, an endeavor that would revolutionize the way that Wall Street...40 business. As a
young trader, he had been amazed at the archaic nature in which information was stored. When he
needed to see how a stock had been trading three weeks earlier, he had to find a copy of the Wall Street

Focus Concursos Online


Journal from the date in question, and the records system consisted of clerks penciling trades in oversize
ledgers....41, he created a financial information computer that would collect and analyze different
combinations of past and present securities data and deliver it immediately to the user.
In 1982, Bloomberg LP sold 20 subscriptions to its service; 20 years...42, Bloomberg LP has over
165,000 subscribers worldwide. As the business proved its viability, the company branched out and in
1990 Bloomberg LP entered the media business, launching a news service, and then radio, television,
Internet, and publishing operations.
Nearly 20 years after its founding, Bloomberg LP now employs more than 8,000 people - including
2,500 in New York City - in more than 100 offices worldwide. As the company enjoyed tremendous
growth, Michael Bloomberg dedicated more of his time and energy to philanthropy and civic affairs. His
desire to improve education, advance medical research and increase access to the arts, has provided the
motivation for much of his philanthropy.
The Mayor served as the Chairman of the Board of Trustees of Johns Hopkins University until May
2002. Recently, he was honored by Johns Hopkins University, when its School of Hygiene and Public
Health was renamed "The Bloomberg School of Public Health," a tribute to his leadership and use of
philanthropy to improve the human...43.
In 1997, Michael Bloomberg published his autobiography, Bloomberg by Bloomberg. All of the
royalties from sales of the book are donated to the Committee to Protect Journalists.
(Adapted
from
http://home.nyc.gov/portal/index.jsp?pageID=nyc_mayor_bio&catID=119
4&cc=unused1196&rc=1194&ndi=-1)
Segundo o texto, quando Michael Bloomberg comeou a atuar em Wall Street
a) era muito difcil encontrar uma cpia do Wall Street Journal.
b) s o Wall Street Journal informava o comportamento das aes.
c) o movimento da Bolsa era controlado por computadores obsoletos.
d) o investidor j tinha acesso a relatrios detalhados de seus investimentos, porm no de forma
eletrnica.
e) a cotao das aes na Bolsa era registrada em pequenos livros contbeis.
Questo 53: FCC - Ana (CVM)/CVM/Normas Contbeis e de Auditoria/2003
O texto abaixo, refere-se questo.
Michael R. Bloomberg is the 108th Mayor of the City of New York. He was born on February 14,
1942 to middle class parents in Medford, Massachusetts, where his father was the bookkeeper at a local
dairy. Mayor Bloomberg's thirst for information and fascination with technology was evident at an early
age, and led him to Johns Hopkins University, where he parked cars and took out loans to finance his
education. After his college graduation, he gained an MBA from Harvard and in the summer of 1966, he
was hired by Salomon Brothers to work on Wall Street.
He quickly advanced through the ranks, and became a partner in 1972. Soon after, he was
supervising all of Salomon's stock trading, sales and later, its information systems. He was fired in 1981
after another company acquired Salomon. Michael Bloomberg used his stake from the Salomon sale to
start his...39 company, an endeavor that would revolutionize the way that Wall Street...40 business. As a

Focus Concursos Online


young trader, he had been amazed at the archaic nature in which information was stored. When he
needed to see how a stock had been trading three weeks earlier, he had to find a copy of the Wall Street
Journal from the date in question, and the records system consisted of clerks penciling trades in oversize
ledgers....41, he created a financial information computer that would collect and analyze different
combinations of past and present securities data and deliver it immediately to the user.
In 1982, Bloomberg LP sold 20 subscriptions to its service; 20 years...42, Bloomberg LP has over
165,000 subscribers worldwide. As the business proved its viability, the company branched out and in
1990 Bloomberg LP entered the media business, launching a news service, and then radio, television,
Internet, and publishing operations.
Nearly 20 years after its founding, Bloomberg LP now employs more than 8,000 people - including
2,500 in New York City - in more than 100 offices worldwide. As the company enjoyed tremendous
growth, Michael Bloomberg dedicated more of his time and energy to philanthropy and civic affairs. His
desire to improve education, advance medical research and increase access to the arts, has provided the
motivation for much of his philanthropy.
The Mayor served as the Chairman of the Board of Trustees of Johns Hopkins University until May
2002. Recently, he was honored by Johns Hopkins University, when its School of Hygiene and Public
Health was renamed "The Bloomberg School of Public Health," a tribute to his leadership and use of
philanthropy to improve the human...43.
In 1997, Michael Bloomberg published his autobiography, Bloomberg by Bloomberg. All of the
royalties from sales of the book are donated to the Committee to Protect Journalists.
(Adapted
from
http://home.nyc.gov/portal/index.jsp?pageID=nyc_mayor_bio&catID=119
4&cc=unused1196&rc=1194&ndi=-1)
De acordo com o texto, a Bloomberg LP
a) j conta com mais de 165.000 clientes no mundo todo.
b) tem filiais em mais de 100 pases.
c) no pde se dedicar, de imediato, a atividades filantrpicas, pois seu desenvolvimento consumia
muito tempo.
d) aumentou consideravelmente o nmero de seus clientes depois de lanar seu servio online.
e) conta, agora, com aproximadamente 8000 empregados em Nova Iorque.
Questo 54: FCC - Ana (CVM)/CVM/Normas Contbeis e de Auditoria/2003
O texto abaixo, refere-se questo.
Michael R. Bloomberg is the 108th Mayor of the City of New York. He was born on February 14,
1942 to middle class parents in Medford, Massachusetts, where his father was the bookkeeper at a local
dairy. Mayor Bloomberg's thirst for information and fascination with technology was evident at an early
age, and led him to Johns Hopkins University, where he parked cars and took out loans to finance his
education. After his college graduation, he gained an MBA from Harvard and in the summer of 1966, he
was hired by Salomon Brothers to work on Wall Street.
He quickly advanced through the ranks, and became a partner in 1972. Soon after, he was
supervising all of Salomon's stock trading, sales and later, its information systems. He was fired in 1981

Focus Concursos Online


after another company acquired Salomon. Michael Bloomberg used his stake from the Salomon sale to
start his...39 company, an endeavor that would revolutionize the way that Wall Street...40 business. As a
young trader, he had been amazed at the archaic nature in which information was stored. When he
needed to see how a stock had been trading three weeks earlier, he had to find a copy of the Wall Street
Journal from the date in question, and the records system consisted of clerks penciling trades in oversize
ledgers....41, he created a financial information computer that would collect and analyze different
combinations of past and present securities data and deliver it immediately to the user.
In 1982, Bloomberg LP sold 20 subscriptions to its service; 20 years...42, Bloomberg LP has over
165,000 subscribers worldwide. As the business proved its viability, the company branched out and in
1990 Bloomberg LP entered the media business, launching a news service, and then radio, television,
Internet, and publishing operations.
Nearly 20 years after its founding, Bloomberg LP now employs more than 8,000 people - including
2,500 in New York City - in more than 100 offices worldwide. As the company enjoyed tremendous
growth, Michael Bloomberg dedicated more of his time and energy to philanthropy and civic affairs. His
desire to improve education, advance medical research and increase access to the arts, has provided the
motivation for much of his philanthropy.
The Mayor served as the Chairman of the Board of Trustees of Johns Hopkins University until May
2002. Recently, he was honored by Johns Hopkins University, when its School of Hygiene and Public
Health was renamed "The Bloomberg School of Public Health," a tribute to his leadership and use of
philanthropy to improve the human...43.
In 1997, Michael Bloomberg published his autobiography, Bloomberg by Bloomberg. All of the
royalties from sales of the book are donated to the Committee to Protect Journalists.
(Adapted
from
http://home.nyc.gov/portal/index.jsp?pageID=nyc_mayor_bio&catID=119
4&cc=unused1196&rc=1194&ndi=-1)
Which of the following does NOT apply to Michael Bloomberg?
a) entrepreneur.
b) master in business administration.
c) mayor.
d) journalist.
e) philanthropist.
Questo 55: FCC - Ana (CVM)/CVM/Normas Contbeis e de Auditoria/2003
O texto abaixo, refere-se questo.
Michael R. Bloomberg is the 108th Mayor of the City of New York. He was born on February 14,
1942 to middle class parents in Medford, Massachusetts, where his father was the bookkeeper at a local
dairy. Mayor Bloomberg's thirst for information and fascination with technology was evident at an early
age, and led him to Johns Hopkins University, where he parked cars and took out loans to finance his
education. After his college graduation, he gained an MBA from Harvard and in the summer of 1966, he
was hired by Salomon Brothers to work on Wall Street.

Focus Concursos Online


He quickly advanced through the ranks, and became a partner in 1972. Soon after, he was
supervising all of Salomon's stock trading, sales and later, its information systems. He was fired in 1981
after another company acquired Salomon. Michael Bloomberg used his stake from the Salomon sale to
start his...39 company, an endeavor that would revolutionize the way that Wall Street...40 business. As a
young trader, he had been amazed at the archaic nature in which information was stored. When he
needed to see how a stock had been trading three weeks earlier, he had to find a copy of the Wall Street
Journal from the date in question, and the records system consisted of clerks penciling trades in oversize
ledgers....41, he created a financial information computer that would collect and analyze different
combinations of past and present securities data and deliver it immediately to the user.
In 1982, Bloomberg LP sold 20 subscriptions to its service; 20 years...42, Bloomberg LP has over
165,000 subscribers worldwide. As the business proved its viability, the company branched out and in
1990 Bloomberg LP entered the media business, launching a news service, and then radio, television,
Internet, and publishing operations.
Nearly 20 years after its founding, Bloomberg LP now employs more than 8,000 people - including
2,500 in New York City - in more than 100 offices worldwide. As the company enjoyed tremendous
growth, Michael Bloomberg dedicated more of his time and energy to philanthropy and civic affairs. His
desire to improve education, advance medical research and increase access to the arts, has provided the
motivation for much of his philanthropy.
The Mayor served as the Chairman of the Board of Trustees of Johns Hopkins University until May
2002. Recently, he was honored by Johns Hopkins University, when its School of Hygiene and Public
Health was renamed "The Bloomberg School of Public Health," a tribute to his leadership and use of
philanthropy to improve the human...43.
In 1997, Michael Bloomberg published his autobiography, Bloomberg by Bloomberg. All of the
royalties from sales of the book are donated to the Committee to Protect Journalists.
(Adapted
from
http://home.nyc.gov/portal/index.jsp?pageID=nyc_mayor_bio&catID=119
4&cc=unused1196&rc=1194&ndi=-1)
An adequate title for the above text would be:
a) Bloomberg by Bloomberg.
b) Who's Michael Bloomberg?
c) How is my money doing?
d) Slowly moving uphill.
e) Jack of All Trades, Master of None.
Questo 56: FCC - Aux FF II (TCE-SP)/TCE-SP/2012
Ateno: A questo baseia-se no texto seguinte.
Making Performance Budgeting Work: New IMF Book
October 04, 2007
Member countries will find valuable advice on how to reform their budgeting practices to improve the
effectiveness and efficiency of public expenditure in a major new work on performance budgeting

Focus Concursos Online


produced by the Fiscal Affairs Department. The book, Performance Budgeting: Linking Funding and
Results (500pp), came off the presses of the top UK publisher Palgrave Macmillan in September.
Edited by FAD staff member Marc Robinson, the book contains a comprehensive treatment of
contemporary performance budgeting practice and theory. In a series of thematic chapters and case
studies, the book discusses:
The key forms of performance budgeting which [TO IMPLEMENT] around the world how they differ,
and what they have in common points.
Lessons from the experience of governments around the world ranging from OECD nations to
developing, middle-income and transition countries about what forms of performance budgeting
work, under what circumstances, and with what implementation strategies.
How successful performance budgeting can improve aggregate fiscal discipline.
The information requirements of performance budgeting, and
The links between performance budgeting and other budgeting and public management reforms.
Many of the contributors to this work are leaders in performance budgeting implementation in their
countries. Others are respected academics and technical experts from the International Monetary Fund
and other international organizations. Countries covered in the case studies include the UK, USA,
Australia, France, Chile, Spain, Russia, Colombia and Ethiopia.
One major focus of the book is performance budgeting as a tool for improved expenditure prioritization
that is, for helping to shift limited public resources to the services of greatest social benefit. A key
finding is that this type of performance budgeting will only work if the budget process is fundamentally
changed so that top politicians and bureaucrats systematically consider expenditure priorities when
formulating the budget. This means more than just considering the priorities for new spending. It
requires also having mechanisms to systematically review existing spending programs to identify what is
ineffective and low priority and can, therefore, be cut. This is what countries such as Chile and the
United Kingdom have successfully done, and the United States is currently attempting to achieve with its
Program Assessment Rating Tool instrument. Conversely, it is a mistake to believe that merely changing
the budget classification and developing performance indicators will in itself improve the allocation of
resources in the budget.
(Adapted from http://blog-pfm.imf.org/pfmblog/2007/10/making-performa.html)
O livro em questo
a) o maior que trata do tema de oramento governamental.
b) foi escrito por Marc Robinson.
c) aborda principalmente as experincias bem-sucedidas das naes desenvolvidas.
d) apresenta estratgias oramentrias para otimizar os gastos pblicos.
e) inclui estudos de caso em todos os captulos temticos.
Questo 57: FCC - Aux FF II (TCE-SP)/TCE-SP/2012
Ateno: A questo baseia-se no texto seguinte.
Making Performance Budgeting Work: New IMF Book

Focus Concursos Online


October 04, 2007
Member countries will find valuable advice on how to reform their budgeting practices to improve the
effectiveness and efficiency of public expenditure in a major new work on performance budgeting
produced by the Fiscal Affairs Department. The book, Performance Budgeting: Linking Funding and
Results (500pp), came off the presses of the top UK publisher Palgrave Macmillan in September.
Edited by FAD staff member Marc Robinson, the book contains a comprehensive treatment of
contemporary performance budgeting practice and theory. In a series of thematic chapters and case
studies, the book discusses:
The key forms of performance budgeting which [TO IMPLEMENT] around the world how they differ,
and what they have in common points.
Lessons from the experience of governments around the world ranging from OECD nations to
developing, middle-income and transition countries about what forms of performance budgeting
work, under what circumstances, and with what implementation strategies.
How successful performance budgeting can improve aggregate fiscal discipline.
The information requirements of performance budgeting, and
The links between performance budgeting and other budgeting and public management reforms.
Many of the contributors to this work are leaders in performance budgeting implementation in their
countries. Others are respected academics and technical experts from the International Monetary Fund
and other international organizations. Countries covered in the case studies include the UK, USA,
Australia, France, Chile, Spain, Russia, Colombia and Ethiopia.
One major focus of the book is performance budgeting as a tool for improved expenditure prioritization
that is, for helping to shift limited public resources to the services of greatest social benefit. A key
finding is that this type of performance budgeting will only work if the budget process is fundamentally
changed so that top politicians and bureaucrats systematically consider expenditure priorities when
formulating the budget. This means more than just considering the priorities for new spending. It
requires also having mechanisms to systematically review existing spending programs to identify what is
ineffective and low priority and can, therefore, be cut. This is what countries such as Chile and the
United Kingdom have successfully done, and the United States is currently attempting to achieve with its
Program Assessment Rating Tool instrument. Conversely, it is a mistake to believe that merely changing
the budget classification and developing performance indicators will in itself improve the allocation of
resources in the budget.
(Adapted from http://blog-pfm.imf.org/pfmblog/2007/10/making-performa.html)
According to the text,
a) Chile and the United Kingdom have managed to cut ineffective and low priority programs.
b) top politicians and bureaucrats should not formulate budgets.
c) thematic chapters have been written by respected academics from the IMF.
d) the budget process cannot be changed because public resources are limited to social services.
e) the United States are not willing to review their spending programs nor to make any budget cuts.

Focus Concursos Online


Questo 58: FCC - Aux FF II (TCE-SP)/TCE-SP/2012
Ateno: A questo baseia-se no texto seguinte.
House G.O.P. Leaders Agree to Extension of Payroll Tax Cut
By JENNIFER STEINHAUER
Published: December 22, 2011
WASHINGTON Under a deal reached between House and Senate leaders, the House will now approve
as early as Friday the two-month extension of a payroll tax holiday and unemployment benefits
approved by the Senate last Saturday, and the Senate will appoint members of a House-Senate
conference committee to negotiate legislation to extend both benefits through 2012.
House Republicans who rejected an almost identical deal on Tuesday collapsed under the political
rubble that has accumulated over the week, much of it from their own party, worried that the blockade
would do serious damage to their appeal to voters.
The House speaker, John A. Boehner, announced the decision over the phone to members on Thursday,
and did not permit the usual back and forth that is common on such calls, enraging many of them.
After his conversation with lawmakers, the speaker conceded to reporters that it might not have been
"politically the smartest thing in the world" for House Republicans to put themselves between a tax cut
and the 160 million American workers who would benefit from it, and to allow President Obama and
Congressional Democrats to seize the momentum on the issue.
The agreement ended a partisan fight that threatened to keep Congress and Mr. Obama in town
through Christmas and was just the latest of the bitter struggles over fiscal policy involving House
conservatives, the president and the Democratic-controlled Senate.
Under the deal, the employee's share of the Social Security payroll tax will stay at the current level, 4.2
percent of wages, through Feb. 29. In the absence of Congressional action, it would revert to the usual
6.2 percent next month. The government will also continue paying unemployment insurance benefits
under current policy through February. Without Congressional action, many of the long-term
unemployed would begin losing benefits next month.
In addition, under the agreement, Medicare will continue paying doctors at current rates for two
months, averting a 27 percent cut that would otherwise occur on Jan. 1.
The new deal makes minor adjustments to make it easier for small businesses to cope with the tax
changes and prevents manipulation of an employee's pay should the tax cut extension fail to go beyond
two months.
Mr. Obama, who has reaped political benefits from the standoff, welcomed the outcome.
"This is good news, just in time for the holidays," he said in a statement. "This is the right thing [VERB 1]
to strengthen our families, grow our economy, and create new jobs. This is real money that will [VERB 2]
a real difference in people's lives."

Focus Concursos Online


(Adapted from http://www.nytimes.com/2011/12/23/us/politics/senate-republican-leader-suggests-apayroll-tax-deal.html?_r=1&nl= todays hea dlines & emc=tha2&pagewanted=all)
A extenso de que trata o texto
a) foi aprovada pela Cmara na sexta-feira.
b) poder ser prorrogada at o final de 2012 se as negociaes relativas legislao pertinente forem
bem-sucedidas.
c) foi rejeitada pelo Senado no sbado.
d) sofreu emendas pelos republicanos para evitar que perdessem seu eleitorado.
e) foi decidida pelo Presidente da Cmara na tera-feira.
Questo 59: FCC - Aux FF II (TCE-SP)/TCE-SP/2012
Ateno: A questo baseia-se no texto seguinte.
House G.O.P. Leaders Agree to Extension of Payroll Tax Cut
By JENNIFER STEINHAUER
Published: December 22, 2011
WASHINGTON Under a deal reached between House and Senate leaders, the House will now approve
as early as Friday the two-month extension of a payroll tax holiday and unemployment benefits
approved by the Senate last Saturday, and the Senate will appoint members of a House-Senate
conference committee to negotiate legislation to extend both benefits through 2012.
House Republicans who rejected an almost identical deal on Tuesday collapsed under the political
rubble that has accumulated over the week, much of it from their own party, worried that the blockade
would do serious damage to their appeal to voters.
The House speaker, John A. Boehner, announced the decision over the phone to members on Thursday,
and did not permit the usual back and forth that is common on such calls, enraging many of them.
After his conversation with lawmakers, the speaker conceded to reporters that it might not have been
"politically the smartest thing in the world" for House Republicans to put themselves between a tax cut
and the 160 million American workers who would benefit from it, and to allow President Obama and
Congressional Democrats to seize the momentum on the issue.
The agreement ended a partisan fight that threatened to keep Congress and Mr. Obama in town
through Christmas and was just the latest of the bitter struggles over fiscal policy involving House
conservatives, the president and the Democratic-controlled Senate.
Under the deal, the employee's share of the Social Security payroll tax will stay at the current level, 4.2
percent of wages, through Feb. 29. In the absence of Congressional action, it would revert to the usual
6.2 percent next month. The government will also continue paying unemployment insurance benefits
under current policy through February. Without Congressional action, many of the long-term
unemployed would begin losing benefits next month.
In addition, under the agreement, Medicare will continue paying doctors at current rates for two
months, averting a 27 percent cut that would otherwise occur on Jan. 1.

Focus Concursos Online


The new deal makes minor adjustments to make it easier for small businesses to cope with the tax
changes and prevents manipulation of an employee's pay should the tax cut extension fail to go beyond
two months.
Mr. Obama, who has reaped political benefits from the standoff, welcomed the outcome.
"This is good news, just in time for the holidays," he said in a statement. "This is the right thing [VERB 1]
to strengthen our families, grow our economy, and create new jobs. This is real money that will [VERB 2]
a real difference in people's lives."
(Adapted from http://www.nytimes.com/2011/12/23/us/politics/senate-republican-leader-suggests-apayroll-tax-deal.html?_r=1&nl= todays hea dlines & emc=tha2&pagewanted=all)
Segundo o texto,
a) a oposio republicana extenso dos benefcios em pauta acabou beneficiando o Presidente
Obama.
b) no final, os republicanos acataram bem a deciso do Presidente da Cmara.
c) mesmo aps sua deciso, o Presidente da Cmara permitiu que os outros membros a contestassem.
d) o Presidente da Cmara concedeu uma coletiva imprensa para reforar sua oposio extenso
dos benefcios aos desempregados.
e) os legisladores confirmaram que a oposio dos republicanos medida era a melhor estratgia na
atual conjuntura poltica.
Questo 60: FCC - Aux FF II (TCE-SP)/TCE-SP/2012
Ateno: A questo baseia-se no texto seguinte.
House G.O.P. Leaders Agree to Extension of Payroll Tax Cut
By JENNIFER STEINHAUER
Published: December 22, 2011
WASHINGTON Under a deal reached between House and Senate leaders, the House will now approve
as early as Friday the two-month extension of a payroll tax holiday and unemployment benefits
approved by the Senate last Saturday, and the Senate will appoint members of a House-Senate
conference committee to negotiate legislation to extend both benefits through 2012.
House Republicans who rejected an almost identical deal on Tuesday collapsed under the political
rubble that has accumulated over the week, much of it from their own party, worried that the blockade
would do serious damage to their appeal to voters.
The House speaker, John A. Boehner, announced the decision over the phone to members on Thursday,
and did not permit the usual back and forth that is common on such calls, enraging many of them.
After his conversation with lawmakers, the speaker conceded to reporters that it might not have been
"politically the smartest thing in the world" for House Republicans to put themselves between a tax cut
and the 160 million American workers who would benefit from it, and to allow President Obama and
Congressional Democrats to seize the momentum on the issue.

Focus Concursos Online


The agreement ended a partisan fight that threatened to keep Congress and Mr. Obama in town
through Christmas and was just the latest of the bitter struggles over fiscal policy involving House
conservatives, the president and the Democratic-controlled Senate.
Under the deal, the employee's share of the Social Security payroll tax will stay at the current level, 4.2
percent of wages, through Feb. 29. In the absence of Congressional action, it would revert to the usual
6.2 percent next month. The government will also continue paying unemployment insurance benefits
under current policy through February. Without Congressional action, many of the long-term
unemployed would begin losing benefits next month.
In addition, under the agreement, Medicare will continue paying doctors at current rates for two
months, averting a 27 percent cut that would otherwise occur on Jan. 1.
The new deal makes minor adjustments to make it easier for small businesses to cope with the tax
changes and prevents manipulation of an employee's pay should the tax cut extension fail to go beyond
two months.
Mr. Obama, who has reaped political benefits from the standoff, welcomed the outcome.
"This is good news, just in time for the holidays," he said in a statement. "This is the right thing [VERB 1]
to strengthen our families, grow our economy, and create new jobs. This is real money that will [VERB 2]
a real difference in people's lives."
(Adapted from http://www.nytimes.com/2011/12/23/us/politics/senate-republican-leader-suggests-apayroll-tax-deal.html?_r=1&nl= todays hea dlines & emc=tha2&pagewanted=all)
Infere-se do texto que
a) o atual impasse entre os deputados conservadores da Cmara, o Presidente Obama e o Senado o
primeiro conflito no que concerne a poltica fiscal.
b) a coeso do partido republicano foi decisiva na aprovao da extenso dos benefcios fiscais aos
trabalhadores e aos desempregados.
c) se o impasse no fosse resolvido, o Congresso e o Presidente Obama no poderiam se ausentar da
capital durante o Natal.
d) o Congresso pretende extinguir os atuais benefcios fiscais dos trabalhadores e desempregados em
29 de fevereiro de 2012.
e) o Presidente da Cmara agiu de forma autoritria, prejudicando a imagem de seu partido.
Questo 61: FCC - Aux FF II (TCE-SP)/TCE-SP/2009
Instruo: Para responder a questo, considere o texto abaixo.
CES 2010 Predictions: What Will Be Hot Next Year?
12.23.09
The tech industry is gearing up for January's Consumer Electronics Show (CES) in Las Vegas, but what
should we expect? Will recession woes continue to hinder major announcements or will someone
surprise us? We asked our analysts to [VERB] a few predictions about [PRON] you can expect to see
from CES.
Laptops Cisco Cheng

Focus Concursos Online


Laptops and Netbooks at CES 2010 will be riding the coat tails of Intel, which has already announced
new processors and chipsets in "Arrandale" (for laptops) and "Pinetrail" (for netbooks). So this year
you'll see processor brand names such as Intel Core i7, Core i5, and Core i3 instead of the soon-to-be
exiting Core 2 Duos.
With netbooks, it'll still be the Atom processor, but around it will be a different supporting cast and a
more energy efficient one at that, promising over 10 hours of battery life.
Not all clamshells will have an Intel processor, though. This year's CES 2010 will give rise to a new class
of netbooks, called SmartBooks and tablets.
SmartBooks will run some variant of an ARM processor, with Qualcomm being a heavy favorite. They
will not run a Windows operating system (Linux, most likely) and promise to cost as little as $200 per
device. The term tablet is similar to SmartBooks in parts and software, only it won't have a physical
keyboard, or at least one that's permanently attached. Tablets will take the e-book reader space to the
next level and hopefully have more success than MIDs the previous term for touchenabled netbooks
without a keyboard.
Desktops Joel Santo Domingo
The netbook revolution of 2009 has benefitted the desktop space. The same power-saving processors
and motherboard chips from netbooks are now showing up in a plethora of ultra small nettop PCs.
While these desktops do not promise better battery life, they do promise smaller, quieter systems,
which can be hooked up to large displays, like the 50-inch HDTV in your living room.
Don't count "traditional" desktops out though: they're still the go-to PCs in a business setting,
particularly since they're less fragile and easier to service than laptops. Besides, traditional workers who
live in cubicles don't need the portability of a netbook or notebook PC. They're going to get smaller, but
desktops will still be on workers' desks for quite a few years to come.
(Adapted from http://www.pcmag.com/article2/0,2817,2357541,00.asp)
Segundo o texto,
a) apesar da recesso, j foram anunciados alguns produtos novos a serem lanados na CES deste ano.
b) os laptops e netbooks a serem lanados na CES 2010 no mais tero processadores Intel.
c) o processador Atom dos netbooks ser substitudo por processadores mais eficientes em termos de
consumo de energia.
d) as baterias dos netbooks, a serem lanados na CES, tero um desempenho de no mximo 10 horas
teis.
e) todos os novos Smartbooks viro com um processador Qualcomm em vez do antigo Intel.
Questo 62: FCC - Aux FF II (TCE-SP)/TCE-SP/2009
Instruo: Para responder a questo, considere o texto abaixo.
CES 2010 Predictions: What Will Be Hot Next Year?
12.23.09
The tech industry is gearing up for January's Consumer Electronics Show (CES) in Las Vegas, but what
should we expect? Will recession woes continue to hinder major announcements or will someone

Focus Concursos Online


surprise us? We asked our analysts to [VERB] a few predictions about [PRON] you can expect to see
from CES.
Laptops Cisco Cheng
Laptops and Netbooks at CES 2010 will be riding the coat tails of Intel, which has already announced
new processors and chipsets in "Arrandale" (for laptops) and "Pinetrail" (for netbooks). So this year
you'll see processor brand names such as Intel Core i7, Core i5, and Core i3 instead of the soon-to-be
exiting Core 2 Duos.
With netbooks, it'll still be the Atom processor, but around it will be a different supporting cast and a
more energy efficient one at that, promising over 10 hours of battery life.
Not all clamshells will have an Intel processor, though. This year's CES 2010 will give rise to a new class
of netbooks, called SmartBooks and tablets.
SmartBooks will run some variant of an ARM processor, with Qualcomm being a heavy favorite. They
will not run a Windows operating system (Linux, most likely) and promise to cost as little as $200 per
device. The term tablet is similar to SmartBooks in parts and software, only it won't have a physical
keyboard, or at least one that's permanently attached. Tablets will take the e-book reader space to the
next level and hopefully have more success than MIDs the previous term for touchenabled netbooks
without a keyboard.
Desktops Joel Santo Domingo
The netbook revolution of 2009 has benefitted the desktop space. The same power-saving processors
and motherboard chips from netbooks are now showing up in a plethora of ultra small nettop PCs.
While these desktops do not promise better battery life, they do promise smaller, quieter systems,
which can be hooked up to large displays, like the 50-inch HDTV in your living room.
Don't count "traditional" desktops out though: they're still the go-to PCs in a business setting,
particularly since they're less fragile and easier to service than laptops. Besides, traditional workers who
live in cubicles don't need the portability of a netbook or notebook PC. They're going to get smaller, but
desktops will still be on workers' desks for quite a few years to come.
(Adapted from http://www.pcmag.com/article2/0,2817,2357541,00.asp)
De acordo com o texto,
a) o custo estimado dos novos Smartbooks ser de pouco mais de US$200.00.
b) Smartbooks, tablets e MIDs so diferentes termos para o mesmo produto.
c) os tablets podem dispensar os teclados convencionais.
d) a revoluo dos netbooks est ameaando a existncia dos desktops.
e) os processadores e os chips das placas-me dos netbooks no podem ser usados nos pequenos PCs
nettops.
Questo 63: FCC - Aux FF II (TCE-SP)/TCE-SP/2009
Instrues: Para responder a questo, considere o texto abaixo.
HP TouchSmart 300: 20-Inch Multitouch All-in-One Has an HDTV Tuner

Focus Concursos Online


Nate Ralph
PC World - Dec 24, 2009 5:10 pm
HP is no stranger to the all-in-one market, having churned out a number of multitouch-capable
machines under the TouchSmart line. But at $930 (as of 12/23/2009), the HP TouchSmart 300 occupies a
somewhat peculiar niche.
At 20 inches, it's a bit small to serve as your primary media center, but it costs more than similarly sized
budget all-in-one PCs (20 inches or smaller). It also outperforms them all, scoring 98 on the WorldBench
6 test suite. This places the TouchSmart 300 well ahead of touch enabled, budget-priced competitors
like the 20-inch MSI Wind Top AE2010 (60), and tantalizingly close to pricier rivals like the 24-inch Sony
Vaio L117FX/B (105). It also scored slightly higher than its larger sibling, the 23-inch HP TouchSmart 600
(92).
The star of the show is HP's custom TouchSmart software. It offers full-screen, touch-friendly widgets
for media playback, browsing, and manipulating photos, and for accessing popular Web applications like
Hulu, Pandora, and Twitter. But while the software is typically quite responsive, we found its
performance on the TouchSmart 300 to be a bit sluggish.
(Adapted from http://www.pcworld.com/reviews.html)
Segundo o texto, o TouchSmart 300 da HP
a) leva vantagem sobre seus concorrentes por ter obtido o melhor desempenho no conjunto de testes
do WorldBench 6 e por ter um preo mais competitivo.
b) tem um preo mais competitivo do que seus concorrentes, apesar de no ter obtido o melhor
desempenho.
c) s fica a dever, em termos de desempenho, ao MSI Wind Top AE2010 de 20 polegadas.
d) um pouco mais caro do que o Sony Vaio L117FX/B, mas tem um desempenho melhor.
e) obteve 6 pontos mais do que o TouchSmart 600 no conjunto de testes do WorldBench 6.
Questo 64: FCC - Aux FF II (TCE-SP)/TCE-SP/2009
Instrues: Para responder a questo, considere o texto abaixo.
HP TouchSmart 300: 20-Inch Multitouch All-in-One Has an HDTV Tuner
Nate Ralph
PC World - Dec 24, 2009 5:10 pm
HP is no stranger to the all-in-one market, having churned out a number of multitouch-capable
machines under the TouchSmart line. But at $930 (as of 12/23/2009), the HP TouchSmart 300 occupies a
somewhat peculiar niche.
At 20 inches, it's a bit small to serve as your primary media center, but it costs more than similarly sized
budget all-in-one PCs (20 inches or smaller). It also outperforms them all, scoring 98 on the WorldBench
6 test suite. This places the TouchSmart 300 well ahead of touch enabled, budget-priced competitors
like the 20-inch MSI Wind Top AE2010 (60), and tantalizingly close to pricier rivals like the 24-inch Sony

Focus Concursos Online


Vaio L117FX/B (105). It also scored slightly higher than its larger sibling, the 23-inch HP TouchSmart 600
(92).
The star of the show is HP's custom TouchSmart software. It offers full-screen, touch-friendly widgets
for media playback, browsing, and manipulating photos, and for accessing popular Web applications like
Hulu, Pandora, and Twitter. But while the software is typically quite responsive, we found its
performance on the TouchSmart 300 to be a bit sluggish.
(Adapted from http://www.pcworld.com/reviews.html)
Which is the best concluding remark for the above text?
a) TouchSmart style and design let down, but fast custom software and large screen size make up for an
otherwise solid package.
b) TouchSmart style and design shine, but slow custom software and small screen size hamper an
otherwise solid package.
c) TouchSmart style and design glow, but sluggish custom software and small screen size promote an
otherwise solid package.
d) TouchSmart style and design make a splash, and speedy custom software and small screen size
enhance this solid package.
e) TouchSmart style and design are disappointing, but swift custom software and good-sized screen
upgrade this solid package.
Questo 65: FCC - AFF (TCE-SP)/TCE-SP/Informtica/Produo e Banco de Dados/2009
Instrues: Para responder questo, considere o texto abaixo.
Is Windows 7 Worth It?
Harry McCracken, PC World
Monday, October 19, 2009 10:00 AM PDT
Reading about a new operating system can tell you only so much about it: After all, Windows Vista had
far more features than XP, [CONJUNCTION] fell far short of it in the eyes of many users. To judge an OS
accurately, you have to live with it. Over the past ten months, I've spent a substantial percentage of my
computing life in Windows 7, starting with a preliminary version and culminating in recent weeks with
the final Release to Manufacturing edition. I've run it on systems ranging from an underpowered Asus
EeePC 1000HE netbook to a potent HP TouchSmart all-in-one. And I've used it to do real work, not lab
routines. Usually, I've run the OS in multiboot configurations with Windows Vista and/or XP, so I've had
a choice each time I turned the computer on: [MODAL] I opt for Windows 7 or an older version of the
OS? The call has been easy to make, because Win 7 is so pleasant to use.
So why wouldn't you want to run this operating system? Concern over its performance is one logical
reason, especially since early versions of Windows Vista managed to turn PCs that ran XP with ease into
lethargic underperformers. The PC World Test Center's speed benchmarks on five test PCs showed
Windows 7 to be faster than Vista, but only by a little; I've found it to be reasonably quick on every
computer I've used it on even the Asus netbook, once I upgraded it to 2GB of RAM. (Our lab tried Win
7 on a Lenovo S10 netbook with 1GB of RAM and found it to be a shade slower than XP; for details see
"Windows 7 Performance Tests.").
Here's a rule of thumb that errs on the side of caution: If your PC's specs qualify it to run Vista, get
Windows 7; if they don't, avoid it. Microsoft's official hardware configuration requirements for Windows
7 are nearly identical to those it recommends for Windows Vista: a 1-GHz CPU, 1GB of RAM, 16GB of

Focus Concursos Online


free disk space, and a DirectX 9-compatible graphics device with a WDDM 1.0 or higher driver. That's for
the 32-bit version of Windows 7; the 64-bit version of the OS requires a 64-bit CPU, 2GB of RAM, and
20GB of disk space.
Fear of incompatible hardware and software is another understandable reason to be wary of Windows
7. One unfortunate law of operating-system upgrades which applies equally to Macs and to Windows
PCs is that they will break some systems and applications, especially at first.
Under the hood, Windows 7 isn't radically different from Vista. That's a plus, since it should greatly
reduce the volume of difficulties relating to drivers and apps compared to Vista's bumpy rollout. I have
performed a half-dozen Windows 7 upgrades, and most of them went off without a hitch. The gnarliest
problem arose when I had to track down a graphics driver for Dell's XPS M1330 laptop on my own Windows 7 installed a generic VGA driver that couldn't run the Aero user interface, and as a result failed
to support new Windows 7 features such as thumbnail views in the Taskbar.
The best way to reduce your odds of running into a showstopping problem with Windows 7 is to bide
your time. When the new operating system arrives on October 22, sit back and let the earliest adopters
discover the worst snafus. Within a few weeks, Microsoft and other software and hardware companies
will have fixed most of them, and your chances of a happy migration to Win 7 will be much higher. If you
want to be really conservative, hold off on moving to Win 7 until you're ready to buy a PC that's
designed to run it well.
Waiting a bit before making the leap makes sense; waiting forever does not. Microsoft took far too long
to come up with a satisfactory replacement for Windows XP. But whether you choose to install Windows
7 on your current systems or get it on the next new PC you buy, you'll find that it's the unassuming,
thoroughly practical upgrade you've been waiting for flaws and all.
(Adapted from http://www.pcworld.com/article/172602/windows_7_review.html)
Segundo o texto, para julgar com preciso o desempenho de um sistema operacional, conveniente
a) ler tudo o que for possvel sobre ele.
b) realizar testes em laboratrio.
c) test-lo no dia a dia.
d) ter acesso a todas suas verses preliminares.
e) compar-lo com verses anteriores.
Questo 66: FCC - AFF (TCE-SP)/TCE-SP/Informtica/Produo e Banco de Dados/2009
Instrues: Para responder questo, considere o texto abaixo.
Is Windows 7 Worth It?
Harry McCracken, PC World
Monday, October 19, 2009 10:00 AM PDT
Reading about a new operating system can tell you only so much about it: After all, Windows Vista had
far more features than XP, [CONJUNCTION] fell far short of it in the eyes of many users. To judge an OS
accurately, you have to live with it. Over the past ten months, I've spent a substantial percentage of my
computing life in Windows 7, starting with a preliminary version and culminating in recent weeks with
the final Release to Manufacturing edition. I've run it on systems ranging from an underpowered Asus
EeePC 1000HE netbook to a potent HP TouchSmart all-in-one. And I've used it to do real work, not lab
routines. Usually, I've run the OS in multiboot configurations with Windows Vista and/or XP, so I've had

Focus Concursos Online


a choice each time I turned the computer on: [MODAL] I opt for Windows 7 or an older version of the
OS? The call has been easy to make, because Win 7 is so pleasant to use.
So why wouldn't you want to run this operating system? Concern over its performance is one logical
reason, especially since early versions of Windows Vista managed to turn PCs that ran XP with ease into
lethargic underperformers. The PC World Test Center's speed benchmarks on five test PCs showed
Windows 7 to be faster than Vista, but only by a little; I've found it to be reasonably quick on every
computer I've used it on even the Asus netbook, once I upgraded it to 2GB of RAM. (Our lab tried Win
7 on a Lenovo S10 netbook with 1GB of RAM and found it to be a shade slower than XP; for details see
"Windows 7 Performance Tests.").
Here's a rule of thumb that errs on the side of caution: If your PC's specs qualify it to run Vista, get
Windows 7; if they don't, avoid it. Microsoft's official hardware configuration requirements for Windows
7 are nearly identical to those it recommends for Windows Vista: a 1-GHz CPU, 1GB of RAM, 16GB of
free disk space, and a DirectX 9-compatible graphics device with a WDDM 1.0 or higher driver. That's for
the 32-bit version of Windows 7; the 64-bit version of the OS requires a 64-bit CPU, 2GB of RAM, and
20GB of disk space.
Fear of incompatible hardware and software is another understandable reason to be wary of Windows
7. One unfortunate law of operating-system upgrades which applies equally to Macs and to Windows
PCs is that they will break some systems and applications, especially at first.
Under the hood, Windows 7 isn't radically different from Vista. That's a plus, since it should greatly
reduce the volume of difficulties relating to drivers and apps compared to Vista's bumpy rollout. I have
performed a half-dozen Windows 7 upgrades, and most of them went off without a hitch. The gnarliest
problem arose when I had to track down a graphics driver for Dell's XPS M1330 laptop on my own Windows 7 installed a generic VGA driver that couldn't run the Aero user interface, and as a result failed
to support new Windows 7 features such as thumbnail views in the Taskbar.
The best way to reduce your odds of running into a showstopping problem with Windows 7 is to bide
your time. When the new operating system arrives on October 22, sit back and let the earliest adopters
discover the worst snafus. Within a few weeks, Microsoft and other software and hardware companies
will have fixed most of them, and your chances of a happy migration to Win 7 will be much higher. If you
want to be really conservative, hold off on moving to Win 7 until you're ready to buy a PC that's
designed to run it well.
Waiting a bit before making the leap makes sense; waiting forever does not. Microsoft took far too long
to come up with a satisfactory replacement for Windows XP. But whether you choose to install Windows
7 on your current systems or get it on the next new PC you buy, you'll find that it's the unassuming,
thoroughly practical upgrade you've been waiting for flaws and all.
(Adapted from http://www.pcworld.com/article/172602/windows_7_review.html)
Segundo o texto, o Windows Vista
a) substituiu, com vantagens, o Windows XP.
b) teve um desempenho que deixou a desejar.
c) foi um sucesso imediato aos olhos de muitos usurios.
d) teve um comeo difcil, mas depois deslanchou.
e) exige uma configurao de hardware mais robusta do que o XP.

Focus Concursos Online


Questo 67: FCC - AFF (TCE-SP)/TCE-SP/Informtica/Produo e Banco de Dados/2009
Instrues: Para responder questo, considere o texto abaixo.
Is Windows 7 Worth It?
Harry McCracken, PC World
Monday, October 19, 2009 10:00 AM PDT
Reading about a new operating system can tell you only so much about it: After all, Windows Vista had
far more features than XP, [CONJUNCTION] fell far short of it in the eyes of many users. To judge an OS
accurately, you have to live with it. Over the past ten months, I've spent a substantial percentage of my
computing life in Windows 7, starting with a preliminary version and culminating in recent weeks with
the final Release to Manufacturing edition. I've run it on systems ranging from an underpowered Asus
EeePC 1000HE netbook to a potent HP TouchSmart all-in-one. And I've used it to do real work, not lab
routines. Usually, I've run the OS in multiboot configurations with Windows Vista and/or XP, so I've had
a choice each time I turned the computer on: [MODAL] I opt for Windows 7 or an older version of the
OS? The call has been easy to make, because Win 7 is so pleasant to use.
So why wouldn't you want to run this operating system? Concern over its performance is one logical
reason, especially since early versions of Windows Vista managed to turn PCs that ran XP with ease into
lethargic underperformers. The PC World Test Center's speed benchmarks on five test PCs showed
Windows 7 to be faster than Vista, but only by a little; I've found it to be reasonably quick on every
computer I've used it on even the Asus netbook, once I upgraded it to 2GB of RAM. (Our lab tried Win
7 on a Lenovo S10 netbook with 1GB of RAM and found it to be a shade slower than XP; for details see
"Windows 7 Performance Tests.").
Here's a rule of thumb that errs on the side of caution: If your PC's specs qualify it to run Vista, get
Windows 7; if they don't, avoid it. Microsoft's official hardware configuration requirements for Windows
7 are nearly identical to those it recommends for Windows Vista: a 1-GHz CPU, 1GB of RAM, 16GB of
free disk space, and a DirectX 9-compatible graphics device with a WDDM 1.0 or higher driver. That's for
the 32-bit version of Windows 7; the 64-bit version of the OS requires a 64-bit CPU, 2GB of RAM, and
20GB of disk space.
Fear of incompatible hardware and software is another understandable reason to be wary of Windows
7. One unfortunate law of operating-system upgrades which applies equally to Macs and to Windows
PCs is that they will break some systems and applications, especially at first.
Under the hood, Windows 7 isn't radically different from Vista. That's a plus, since it should greatly
reduce the volume of difficulties relating to drivers and apps compared to Vista's bumpy rollout. I have
performed a half-dozen Windows 7 upgrades, and most of them went off without a hitch. The gnarliest
problem arose when I had to track down a graphics driver for Dell's XPS M1330 laptop on my own Windows 7 installed a generic VGA driver that couldn't run the Aero user interface, and as a result failed
to support new Windows 7 features such as thumbnail views in the Taskbar.
The best way to reduce your odds of running into a showstopping problem with Windows 7 is to bide
your time. When the new operating system arrives on October 22, sit back and let the earliest adopters
discover the worst snafus. Within a few weeks, Microsoft and other software and hardware companies
will have fixed most of them, and your chances of a happy migration to Win 7 will be much higher. If you
want to be really conservative, hold off on moving to Win 7 until you're ready to buy a PC that's
designed to run it well.

Focus Concursos Online


Waiting a bit before making the leap makes sense; waiting forever does not. Microsoft took far too long
to come up with a satisfactory replacement for Windows XP. But whether you choose to install Windows
7 on your current systems or get it on the next new PC you buy, you'll find that it's the unassuming,
thoroughly practical upgrade you've been waiting for flaws and all.
(Adapted from http://www.pcworld.com/article/172602/windows_7_review.html)
De acordo com o texto, qual das afirmaes abaixo NO verdadeira em relao ao Windows 7?
a) Tem desempenho satisfatrio.
b) Funciona em qualquer mquina em que o Windows Vista rode.
c) compatvel com qualquer tipo de hardware.
d) Sua instalao, no geral, no oferece dificuldade.
e) Tem uma interface agradvel.
Questo 68: FCC - AFF (TCE-SP)/TCE-SP/Informtica/Produo e Banco de Dados/2009
Instrues: Para responder questo, considere o texto abaixo.
Is Windows 7 Worth It?
Harry McCracken, PC World
Monday, October 19, 2009 10:00 AM PDT
Reading about a new operating system can tell you only so much about it: After all, Windows Vista had
far more features than XP, [CONJUNCTION] fell far short of it in the eyes of many users. To judge an OS
accurately, you have to live with it. Over the past ten months, I've spent a substantial percentage of my
computing life in Windows 7, starting with a preliminary version and culminating in recent weeks with
the final Release to Manufacturing edition. I've run it on systems ranging from an underpowered Asus
EeePC 1000HE netbook to a potent HP TouchSmart all-in-one. And I've used it to do real work, not lab
routines. Usually, I've run the OS in multiboot configurations with Windows Vista and/or XP, so I've had
a choice each time I turned the computer on: [MODAL] I opt for Windows 7 or an older version of the
OS? The call has been easy to make, because Win 7 is so pleasant to use.
So why wouldn't you want to run this operating system? Concern over its performance is one logical
reason, especially since early versions of Windows Vista managed to turn PCs that ran XP with ease into
lethargic underperformers. The PC World Test Center's speed benchmarks on five test PCs showed
Windows 7 to be faster than Vista, but only by a little; I've found it to be reasonably quick on every
computer I've used it on even the Asus netbook, once I upgraded it to 2GB of RAM. (Our lab tried Win
7 on a Lenovo S10 netbook with 1GB of RAM and found it to be a shade slower than XP; for details see
"Windows 7 Performance Tests.").
Here's a rule of thumb that errs on the side of caution: If your PC's specs qualify it to run Vista, get
Windows 7; if they don't, avoid it. Microsoft's official hardware configuration requirements for Windows
7 are nearly identical to those it recommends for Windows Vista: a 1-GHz CPU, 1GB of RAM, 16GB of
free disk space, and a DirectX 9-compatible graphics device with a WDDM 1.0 or higher driver. That's for
the 32-bit version of Windows 7; the 64-bit version of the OS requires a 64-bit CPU, 2GB of RAM, and
20GB of disk space.
Fear of incompatible hardware and software is another understandable reason to be wary of Windows
7. One unfortunate law of operating-system upgrades which applies equally to Macs and to Windows
PCs is that they will break some systems and applications, especially at first.

Focus Concursos Online


Under the hood, Windows 7 isn't radically different from Vista. That's a plus, since it should greatly
reduce the volume of difficulties relating to drivers and apps compared to Vista's bumpy rollout. I have
performed a half-dozen Windows 7 upgrades, and most of them went off without a hitch. The gnarliest
problem arose when I had to track down a graphics driver for Dell's XPS M1330 laptop on my own Windows 7 installed a generic VGA driver that couldn't run the Aero user interface, and as a result failed
to support new Windows 7 features such as thumbnail views in the Taskbar.
The best way to reduce your odds of running into a showstopping problem with Windows 7 is to bide
your time. When the new operating system arrives on October 22, sit back and let the earliest adopters
discover the worst snafus. Within a few weeks, Microsoft and other software and hardware companies
will have fixed most of them, and your chances of a happy migration to Win 7 will be much higher. If you
want to be really conservative, hold off on moving to Win 7 until you're ready to buy a PC that's
designed to run it well.
Waiting a bit before making the leap makes sense; waiting forever does not. Microsoft took far too long
to come up with a satisfactory replacement for Windows XP. But whether you choose to install Windows
7 on your current systems or get it on the next new PC you buy, you'll find that it's the unassuming,
thoroughly practical upgrade you've been waiting for flaws and all.
(Adapted from http://www.pcworld.com/article/172602/windows_7_review.html)
Segundo o texto, o autor recomenda
a) migrar imediatamente para o Windows 7.
b) esperar algumas semanas at a maioria dos problemas serem sanados.
c) s migrar para o Windows 7 quando tiver um PC compatvel com todas as funcionalidades que ele
oferece.
d) comprar um PC novo, que j venha com o Windows 7.
e) ser conservador e no migrar para o Windows 7.
Questo 69: FCC - AFF (TCE-SP)/TCE-SP/Informtica/Produo e Banco de Dados/2009
Instrues: Para responder questo, considere o texto abaixo.
As Information Systems (IS) development becomes more a function of purchasing packages or
assembling components, with less emphasis on programming, student enrollment in IS courses at
universities continues to decline.
Sometimes it looks like the IT revolution has moved on and left many IS researchers [ADVERB].
For example, according to Nokia, the next generation of computers will be in your pocket. About 1.3
billion mobile phones are sold each year, compared to only 300 million personal computers. An
increasing number of these phones come with full-blown operating systems that let users access,
organize, and use much more information than older handhelds. The mobile software market may soon
exceed the current software market for computers, and a wide variety of information systems will rise
on top of all the new software. However, only a relatively small percentage of IS research focuses on the
mobile revolution.
Actually, many IS programs in business colleges seem impervious to the wake-up call that information
schools provide. Rather, they continue to offer curricula that reflect the past rather than look toward
the future. Little wonder that students, whose degrees are based on a very limited number of traditional
courses in one area of study, often fail to meet their employers' expectations. With little integration

Focus Concursos Online


across disciplines to prepare students for the complex problems they will face, organizations find it
necessary to further educate those whom they hire or go abroad to seek appropriate employees with a
wider range of skills and knowledge.
(Adapted
from
http://www.computer.org/cms/Computer.org/ComputingNow/hom
epage/2009/1009/rW_CO_ISInnovation.pdf)
Segundo o texto,
a) devido ao desenvolvimento da rea, h cada vez mais interessados nos cursos universitrios de
Sistemas de Informao.
b) a demanda por cursos de Sistemas de Informao tem diminudo por no contemplarem os avanos
da telefonia mvel.
c) os celulares com sistemas operacionais completos exigem um desembolso cada vez maior.
d) os cursos de Sistemas de Informao no deveriam preparar seus alunos para pesquisas na rea de
telefonia mvel.
e) apesar das novas funcionalidades incorporadas aos telefones celulares, os computadores de mo
ainda permitem a manipulao de muito mais informao.
Questo 70: FCC - AFF (TCE-SP)/TCE-SP/Informtica/Produo e Banco de Dados/2009
Instrues: Para responder questo, considere o texto abaixo.
As Information Systems (IS) development becomes more a function of purchasing packages or
assembling components, with less emphasis on programming, student enrollment in IS courses at
universities continues to decline.
Sometimes it looks like the IT revolution has moved on and left many IS researchers [ADVERB].
For example, according to Nokia, the next generation of computers will be in your pocket. About 1.3
billion mobile phones are sold each year, compared to only 300 million personal computers. An
increasing number of these phones come with full-blown operating systems that let users access,
organize, and use much more information than older handhelds. The mobile software market may soon
exceed the current software market for computers, and a wide variety of information systems will rise
on top of all the new software. However, only a relatively small percentage of IS research focuses on the
mobile revolution.
Actually, many IS programs in business colleges seem impervious to the wake-up call that information
schools provide. Rather, they continue to offer curricula that reflect the past rather than look toward
the future. Little wonder that students, whose degrees are based on a very limited number of traditional
courses in one area of study, often fail to meet their employers' expectations. With little integration
across disciplines to prepare students for the complex problems they will face, organizations find it
necessary to further educate those whom they hire or go abroad to seek appropriate employees with a
wider range of skills and knowledge.
(Adapted
from
http://www.computer.org/cms/Computer.org/ComputingNow/hom
epage/2009/1009/rW_CO_ISInnovation.pdf)
De acordo com o texto,
a) recm-graduados em Sistemas de Informao, no geral, precisam passar por um perodo de
treinamento antes de conseguirem um bom emprego.

Focus Concursos Online


b) boa parte dos cursos de Sistemas de Informao passou por uma reforma curricular para se adequar
aos avanos tecnolgicos da informtica.
c) a maioria dos empregadores est satisfeita com a formao tecnolgica dos empregados com
diploma em Sistemas de Informao.
d) h casos em que empregadores se veem obrigados a buscar empregados mais qualificados no
exterior.
e) apesar de os currculos dos cursos de Sistemas de Informao no acompanharem a evoluo da TI,
os graduandos no tm dificuldade em encontrar empregos bem remunerados.
Questo 71: FCC - AFF (TCE-SP)/TCE-SP/Sistemas/2008
Instrues: Para responder questo, considere o texto abaixo.
Two California Cities Choose Automated Cashiering Solution from The Active Network
Lancaster and Oakland Select Active Payment Manager to Improve Customer Service Delivery and
Integrate Payment Transactions City Wide
SAN DIEGO February 20, 2007 Driving operational efficiency and customer service excellence for
citizens, the cities of Lancaster and Oakland have selected The Active Network, Inc., a leading developer
of software technology and marketing solutions for municipalities, to provide a cashiering and
integration solution for handling daily payment transactions. Active Payment Manager (APM) will
provide citizens with access to multiple service channels to make any city bill payment and streamline
payment collection processes city wide.
"We have experienced a great deal of enthusiasm for APM in California, as the software enables cities to
maximize citizen participation in eGovernment services by giving them more online access to a number
of re-occurring transaction needs," says Alex Barnetson, senior vice president, The Active Network, Inc.
In an effort to improve customer service, Lancaster and Oakland selected APM to be able to offer
citizens additional payment service channels such as Internet, self-serve kiosk and automated telephone
in addition to the traditional over the counter payment services. Using Active's cashiering solution, the
cities can reduce long lines and alleviate staff time spent processing payments. Furthermore, cities can
answer the growing citizen demand for eGovernment services through an easily integrated payment
handling service.
(Adapted from http://www.activegovernments.com/News/Two-California-Cities-Choose- AutomatedCashiering-Solution-from-The-Active-Network.htm?DateTime
=633075759000000000&PageMode=View)
O pronome them, sublinhado no texto, refere-se a
a) citizens.
b) cities.
c) e-government services.
d) online access.
e) transaction needs.
Questo 72: FCC - AFF (TCE-SP)/TCE-SP/Sistemas/2008
Instrues: Para responder questo, considere o texto abaixo.
Two California Cities Choose Automated Cashiering Solution from The Active Network

Focus Concursos Online


Lancaster and Oakland Select Active Payment Manager to Improve Customer Service Delivery and
Integrate Payment Transactions City Wide
SAN DIEGO February 20, 2007 Driving operational efficiency and customer service excellence for
citizens, the cities of Lancaster and Oakland have selected The Active Network, Inc., a leading developer
of software technology and marketing solutions for municipalities, to provide a cashiering and
integration solution for handling daily payment transactions. Active Payment Manager (APM) will
provide citizens with access to multiple service channels to make any city bill payment and streamline
payment collection processes city wide.
"We have experienced a great deal of enthusiasm for APM in California, as the software enables cities to
maximize citizen participation in eGovernment services by giving them more online access to a number
of re-occurring transaction needs," says Alex Barnetson, senior vice president, The Active Network, Inc.
In an effort to improve customer service, Lancaster and Oakland selected APM to be able to offer
citizens additional payment service channels such as Internet, self-serve kiosk and automated telephone
in addition to the traditional over the counter payment services. Using Active's cashiering solution, the
cities can reduce long lines and alleviate staff time spent processing payments. Furthermore, cities can
answer the growing citizen demand for eGovernment services through an easily integrated payment
handling service.
(Adapted from http://www.activegovernments.com/News/Two-California-Cities-Choose- AutomatedCashiering-Solution-from-The-Active-Network.htm?DateTime
=633075759000000000&PageMode=View)
As cidades de Lancaster e Oakland, na Califrnia, optaram pelo APM porque
a) instala quiosques sem nus para o cliente.
b) exige pouco conhecimento de informtica dos usurios.
c) exige menos funcionrios para receber pagamentos no balco.
d) envia, automaticamente, boletos de pagamento aos clientes.
e) permite a integrao de vrias transaes contbeis.
Questo 73: FCC - AFF (TCE-SP)/TCE-SP/Sistemas/2008
Instrues: Para responder questo, considere o texto abaixo.
Two California Cities Choose Automated Cashiering Solution from The Active Network
Lancaster and Oakland Select Active Payment Manager to Improve Customer Service Delivery and
Integrate Payment Transactions City Wide
SAN DIEGO February 20, 2007 Driving operational efficiency and customer service excellence for
citizens, the cities of Lancaster and Oakland have selected The Active Network, Inc., a leading developer
of software technology and marketing solutions for municipalities, to provide a cashiering and
integration solution for handling daily payment transactions. Active Payment Manager (APM) will
provide citizens with access to multiple service channels to make any city bill payment and streamline
payment collection processes city wide.

Focus Concursos Online


"We have experienced a great deal of enthusiasm for APM in California, as the software enables cities to
maximize citizen participation in eGovernment services by giving them more online access to a number
of re-occurring transaction needs," says Alex Barnetson, senior vice president, The Active Network, Inc.
In an effort to improve customer service, Lancaster and Oakland selected APM to be able to offer
citizens additional payment service channels such as Internet, self-serve kiosk and automated telephone
in addition to the traditional over the counter payment services. Using Active's cashiering solution, the
cities can reduce long lines and alleviate staff time spent processing payments. Furthermore, cities can
answer the growing citizen demand for eGovernment services through an easily integrated payment
handling service.
(Adapted from http://www.activegovernments.com/News/Two-California-Cities-Choose- AutomatedCashiering-Solution-from-The-Active-Network.htm?DateTime
=633075759000000000&PageMode=View)
In the above context, which of the folllowing would NOT be considered an e-Government service?
a) a payment made through the Internet.
b) a city bill paid at a self-serve kiosk.
c) online access to various transactions.
d) an over the counter payment.
e) an automated telephone available to clients.
Questo 74: FCC - AFF (TCE-SP)/TCE-SP/Sistemas/2008
Instrues: Para responder questo, considere o texto abaixo.
Our Premium Finance Software allows you to track a note from its barest beginnings to the end. We
provide you with the tools to quote the note, print a finance agreement, print a rate chart and track the
note from the time it arrives in your office until such time as it is paid in full. It is fully integrated with
general ledger and the ledger allows you to print balance sheets and income statements at any time
during the month. The system is Menu driven and according to our customers, very user friendly. Once
your Premium Finance Note has become an active note you need only take a menu selection to access
the file, print coupons, do daily processing to mark the notes which need Notice of Intents,
Cancellations, Refund letters or Final letters. There are then menu selections to print these notices and
letters. The only pre-printed form required is the Premium Finance Agreement. We do have a generic
one of these forms ..(I).. because of so many different state requirements we recommend that you have
this done by your Attorney and approved by your state governing body.
Our system is written in a Database Management Program and we provide you with full source code at
no additional cost.
(Adapted
from
http://64.233.169.104/search?q=cache:AAuV6Gmq8-QJ:www.inssoft.com/
prod02.htm+%22finance+software%22+state&hl=pt-BR&ct=clnk&cd=38&gl=br)
Segundo o texto,
a) estados dos Estados Unidos tm requisitos prprios para o Premium Finance Agreement.
b) o sistema no oferece nenhum formulrio que possa substituir o Premium Finance Agreement.
c) o Premium Finance Agreement s pode ser elaborado por um advogado da Secretaria de Estado.
d) o Premium Finance Agreement deve ser impresso pelo cliente antes de ser preenchido.
e) o sistema oferece instrues gerais para elaborar o Premium Finance Agreement de acordo com a
legislao vigente em cada estado.

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Questo 75: FCC - AFF (TCE-SP)/TCE-SP/Sistemas/2008
Instrues: Para responder questo, considere o texto abaixo.
Our Premium Finance Software allows you to track a note from its barest beginnings to the end. We
provide you with the tools to quote the note, print a finance agreement, print a rate chart and track the
note from the time it arrives in your office until such time as it is paid in full. It is fully integrated with
general ledger and the ledger allows you to print balance sheets and income statements at any time
during the month. The system is Menu driven and according to our customers, very user friendly. Once
your Premium Finance Note has become an active note you need only take a menu selection to access
the file, print coupons, do daily processing to mark the notes which need Notice of Intents,
Cancellations, Refund letters or Final letters. There are then menu selections to print these notices and
letters. The only pre-printed form required is the Premium Finance Agreement. We do have a generic
one of these forms ..(I).. because of so many different state requirements we recommend that you have
this done by your Attorney and approved by your state governing body.
Our system is written in a Database Management Program and we provide you with full source code at
no additional cost.
(Adapted
from
http://64.233.169.104/search?q=cache:AAuV6Gmq8-QJ:www.inssoft.com/
prod02.htm+%22finance+software%22+state&hl=pt-BR&ct=clnk&cd=38&gl=br)
Infere-se, a partir do texto, que
a) o Premium Finance Software imprime balanos automaticamente ao final de cada ms.
b) alm de todos os recursos oferecidos, o sistema tambm imprime notcias e cartas.
c) o sistema pode, opcionalmente, vir com o cdigofonte, mas esse tem um custo extra.
d) o sistema no permite que o usurio o adapte s suas necessidades, apesar de vir com o cdigofonte.
e) cada nota pode ser marcada de acordo com as providncias que devem ser tomadas em relao a
ela.
Questo 76: FCC - EPP (SEPLA DR SP)/SEPLADR (SP)/2009
Instrues: Para responder questo, considere o texto a seguir.
Overweight- and obesity-related problems, which have assumed epidemic proportions, were debated
by the European Parliament last night (Wednesday). Speaking on behalf of the GUE/NGL Group, Swedish
MEP [Member of the European Parliament] Jens Holm warned against the rapidly increasing
consumption of trans-fatty acids. This is perhaps good news for some industries, but has been proven
bad for health. The time is ripe for a ban on trans-fat acids, which could save the health of many
thousands of Europeans and it is now up to the Commission to propose how this ban should be
enforced.
MEP Holm said he would also like to see a strategy to lower meat consumption. Meat consumption is
soaring in the world and will ..31.. in the coming decades if measures are not taken. This is not good for
health, the environment or for animals, he concluded.
Contributing to the debate, Ilda Figueiredo (GUE/NGL, Portugal) stressed that it was important to have
a global and integrated vision of nutrition, overweight and obesity-related problems. She called for
policies to ensure that healthy nutrition is available to all and measures to make that quality farm

Focus Concursos Online


produce including milk, fruit and vegetables is available locally, at reasonable prices and distributed free
to people with few or no resources.
We need a set of public policies and programmes on health, including information campaigns and
health education programmes focusing on nutrition, the promotion of healthy diets and lifestyles,
physical education and sport, accessible to the population as a whole, with a particular focus on school
children and young people, MEP Figueiredo concluded.
(Adapted from http://pr.euractiv.com/node/5691)
A palavra que preenche a lacuna corretamente
a) decline.
b) reduce.
c) improve.
d) level.
e) double.
Questo 77: FCC - EPP (SEPLA DR SP)/SEPLADR (SP)/2009
Instrues: Para responder questo, considere o texto a seguir.
Overweight- and obesity-related problems, which have assumed epidemic proportions, were debated
by the European Parliament last night (Wednesday). Speaking on behalf of the GUE/NGL Group, Swedish
MEP [Member of the European Parliament] Jens Holm warned against the rapidly increasing
consumption of trans-fatty acids. This is perhaps good news for some industries, but has been proven
bad for health. The time is ripe for a ban on trans-fat acids, which could save the health of many
thousands of Europeans and it is now up to the Commission to propose how this ban should be
enforced.
MEP Holm said he would also like to see a strategy to lower meat consumption. Meat consumption is
soaring in the world and will double in the coming decades if measures are not taken. This is not good
for health, the environment or for animals, he concluded.
Contributing to the debate, Ilda Figueiredo (GUE/NGL, Portugal) stressed that it was important to have
a global and integrated vision of nutrition, overweight and obesity-related problems. She called for
policies to ensure that healthy nutrition is available to all and measures to make that quality farm
produce including milk, fruit and vegetables is available locally, at reasonable prices and distributed free
to people with few or no resources.
We need a set of public policies and programmes on health, including information campaigns and
health education programmes focusing on nutrition, the promotion of healthy diets and lifestyles,
physical education and sport, accessible to the population as a whole, with a particular focus on school
children and young people, MEP Figueiredo concluded.
(Adapted from http://pr.euractiv.com/node/5691)
Infere-se, da afirmao "This is perhaps good news for some industries" que some industries refere-se
a) s indstrias de produtos orgnicos.
b) aos laboratrios farmacuticos.
c) aos frigorficos.
d) s indstrias de produtos com gordura trans.

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e) aos convnios mdicos.
Questo 78: FCC - EPP (SEPLA DR SP)/SEPLADR (SP)/2009
Instrues: Para responder questo, considere o texto a seguir.
Overweight- and obesity-related problems, which have assumed epidemic proportions, were debated
by the European Parliament last night (Wednesday). Speaking on behalf of the GUE/NGL Group, Swedish
MEP [Member of the European Parliament] Jens Holm warned against the rapidly increasing
consumption of trans-fatty acids. This is perhaps good news for some industries, but has been proven
bad for health. The time is ripe for a ban on trans-fat acids, which could save the health of many
thousands of Europeans and it is now up to the Commission to propose how this ban should be
enforced.
MEP Holm said he would also like to see a strategy to lower meat consumption. Meat consumption is
soaring in the world and will double in the coming decades if measures are not taken. This is not good
for health, the environment or for animals, he concluded.
Contributing to the debate, Ilda Figueiredo (GUE/NGL, Portugal) stressed that it was important to have
a global and integrated vision of nutrition, overweight and obesity-related problems. She called for
policies to ensure that healthy nutrition is available to all and measures to make that quality farm
produce including milk, fruit and vegetables is available locally, at reasonable prices and distributed free
to people with few or no resources.
We need a set of public policies and programmes on health, including information campaigns and
health education programmes focusing on nutrition, the promotion of healthy diets and lifestyles,
physical education and sport, accessible to the population as a whole, with a particular focus on school
children and young people, MEP Figueiredo concluded.
(Adapted from http://pr.euractiv.com/node/5691)
A orao "if measures are not taken" pode ser substituda, sem alterao de sentido, por
a) unless measures are taken.
b) but no measures are taken.
c) while measures are not taken.
d) whatever measures are taken.
e) since measures are not taken.
Questo 79: FCC - EPP (SEPLA DR SP)/SEPLADR (SP)/2009
Instrues: Para responder questo, considere o texto a seguir.
Overweight- and obesity-related problems, which have assumed epidemic proportions, were debated
by the European Parliament last night (Wednesday). Speaking on behalf of the GUE/NGL Group, Swedish
MEP [Member of the European Parliament] Jens Holm warned against the rapidly increasing
consumption of trans-fatty acids. This is perhaps good news for some industries, but has been proven
bad for health. The time is ripe for a ban on trans-fat acids, which could save the health of many
thousands of Europeans and it is now up to the Commission to propose how this ban should be
enforced.

Focus Concursos Online


MEP Holm said he would also like to see a strategy to lower meat consumption. Meat consumption is
soaring in the world and will double in the coming decades if measures are not taken. This is not good
for health, the environment or for animals, he concluded.
Contributing to the debate, Ilda Figueiredo (GUE/NGL, Portugal) stressed that it was important to have
a global and integrated vision of nutrition, overweight and obesity-related problems. She called for
policies to ensure that healthy nutrition is available to all and measures to make that quality farm
produce including milk, fruit and vegetables is available locally, at reasonable prices and distributed free
to people with few or no resources.
We need a set of public policies and programmes on health, including information campaigns and
health education programmes focusing on nutrition, the promotion of healthy diets and lifestyles,
physical education and sport, accessible to the population as a whole, with a particular focus on school
children and young people, MEP Figueiredo concluded.
(Adapted from http://pr.euractiv.com/node/5691)
According to the text,
a) a ban on products containing trans-fatty acids has recently been enforced.
b) MEP Holms main concern is the impact of cattle growing on the environment.
c) MEP Figueiredo advocates the free distribution of quality farm produce to poor people.
d) sound public policies should mainly focus on healthy nutrition programmes aimed at poor countries.
e) a healthy diet in the early years prevents overweight and obesity problems throughout ones life.
Questo 80: FCC - EPP (SEPLA DR SP)/SEPLADR (SP)/2009
Instrues: Para responder questo, considere o texto a seguir.
Too often, America educates its children for the challenges they will face in the global, knowledge-based
21st century using 20th-century technology and methodology. Other nations provide students with
laptop computers, fast broadband connections, and state-of-the-art digital applications, infusing
technology and innovation throughout their educational experiences. In contrast, the Bush
Administration has proposed in its FY09 budget eliminating all funding for the Enhancing Education
Through Technology program, designed to improve student achievement and boost students' digital
literacy through the use of technology in schools.
The competitiveness and vibrancy of our economy, as well as our homeland security, depend on our
ability to maintain a highly-skilled workforce. We must educate new generations of digitally literate
citizens to ensure they are able to compete successfully in today's global workforce and participate in
our increasingly knowledge-based society.
Our education system, ..36.., is failing to meet this challenge. In America's schools, Internet access is
often far too slow, with insufficient bandwidth for online learning, collaborative work, video
conferencing, and other educational applications. In some cases, schools still use dial-up Internet access.
School technology is often antiquated, in short supply, and insufficiently supported. Distance learning
over broadband is a distant dream. Online curricula is offline. Teachers are insufficiently trained to use
technology in their classrooms, so that whatever technology is available to them languishes. Students
[TO TEACH] the basic 3 Rs, as required by the No Child Left Behind Act, but not the digital skills that will
enable them to translate those 3 Rs [Reading, Writing and Rithmetic] into success in today's
Information Age. The bottom line is that rather than "no child left behind," the failure to fully infuse

Focus Concursos Online


technology and broadband throughout the education system has left behind many of America's
children.
The new Administration should include in its National Broadband Strategy initiatives to promote the
rapid adoption of technology and broadband throughout the classroom. It should also include initiatives
to advance online learning and "digital excellence" training. In this way, the new Administration will not
only stimulate broadband supply and demand, but deliver significant improvements in our nation's
ability to educate its children.
(Adapted from http://www.benton.org/initiatives/broadband_benefits/action_plan/education)
A palavra que preenche a lacuna corretamente
a) despite.
b) moreover.
c) although.
d) additionally.
e) however.
Questo 81: FCC - EPP (SEPLA DR SP)/SEPLADR (SP)/2009
Instrues: Para responder questo, considere o texto a seguir.
Too often, America educates its children for the challenges they will face in the global, knowledge-based
21st century using 20th-century technology and methodology. Other nations provide students with
laptop computers, fast broadband connections, and state-of-the-art digital applications, infusing
technology and innovation throughout their educational experiences. In contrast, the Bush
Administration has proposed in its FY09 budget eliminating all funding for the Enhancing Education
Through Technology program, designed to improve student achievement and boost students' digital
literacy through the use of technology in schools.
The competitiveness and vibrancy of our economy, as well as our homeland security, depend on our
ability to maintain a highly-skilled workforce. We must educate new generations of digitally literate
citizens to ensure they are able to compete successfully in today's global workforce and participate in
our increasingly knowledge-based society.
Our education system, however, is failing to meet this challenge. In America's schools, Internet access is
often far too slow, with insufficient bandwidth for online learning, collaborative work, video
conferencing, and other educational applications. In some cases, schools still use dial-up Internet access.
School technology is often antiquated, in short supply, and insufficiently supported. Distance learning
over broadband is a distant dream. Online curricula is offline. Teachers are insufficiently trained to use
technology in their classrooms, so that whatever technology is available to them languishes. Students
[TO TEACH] the basic 3 Rs, as required by the No Child Left Behind Act, but not the digital skills that will
enable them to translate those 3 Rs [Reading, Writing and Rithmetic] into success in today's
Information Age. The bottom line is that rather than "no child left behind," the failure to fully infuse
technology and broadband throughout the education system has left behind many of America's
children.
The new Administration should include in its National Broadband Strategy initiatives to promote the
rapid adoption of technology and broadband throughout the classroom. It should also include initiatives
to advance online learning and "digital excellence" training. In this way, the new Administration will not

Focus Concursos Online


only stimulate broadband supply and demand, but deliver significant improvements in our nation's
ability to educate its children.
(Adapted from http://www.benton.org/initiatives/broadband_benefits/action_plan/education)
According to the text,
a) the Enhancing Education Through Technology program was very successful during the Bush
Administration.
b) digital literacy is an essential skill in the 21st century knowledge-based society.
c) Americas children are among the most digitally literate in the world.
d) Americas education system is boosting students digital literacy throughout their school years.
e) most American schools make successful use of a large variety of digital educational applications.
Questo 82: FCC - EPP (SEPLA DR SP)/SEPLADR (SP)/2009
Instrues: Para responder questo, considere o texto a seguir.
Too often, America educates its children for the challenges they will face in the global, knowledge-based
21st century using 20th-century technology and methodology. Other nations provide students with
laptop computers, fast broadband connections, and state-of-the-art digital applications, infusing
technology and innovation throughout their educational experiences. In contrast, the Bush
Administration has proposed in its FY09 budget eliminating all funding for the Enhancing Education
Through Technology program, designed to improve student achievement and boost students' digital
literacy through the use of technology in schools.
The competitiveness and vibrancy of our economy, as well as our homeland security, depend on our
ability to maintain a highly-skilled workforce. We must educate new generations of digitally literate
citizens to ensure they are able to compete successfully in today's global workforce and participate in
our increasingly knowledge-based society.
Our education system, however, is failing to meet this challenge. In America's schools, Internet access is
often far too slow, with insufficient bandwidth for online learning, collaborative work, video
conferencing, and other educational applications. In some cases, schools still use dial-up Internet access.
School technology is often antiquated, in short supply, and insufficiently supported. Distance learning
over broadband is a distant dream. Online curricula is offline. Teachers are insufficiently trained to use
technology in their classrooms, so that whatever technology is available to them languishes. Students
[TO TEACH] the basic 3 Rs, as required by the No Child Left Behind Act, but not the digital skills that will
enable them to translate those 3 Rs [Reading, Writing and Rithmetic] into success in today's
Information Age. The bottom line is that rather than "no child left behind," the failure to fully infuse
technology and broadband throughout the education system has left behind many of America's
children.
The new Administration should include in its National Broadband Strategy initiatives to promote the
rapid adoption of technology and broadband throughout the classroom. It should also include initiatives
to advance online learning and "digital excellence" training. In this way, the new Administration will not
only stimulate broadband supply and demand, but deliver significant improvements in our nation's
ability to educate its children.
(Adapted from http://www.benton.org/initiatives/broadband_benefits/action_plan/education)
According to the text,

Focus Concursos Online


a) most American students dont even learn their basic 3 Rs.
b) there is an ever-increasing offer of online courses in America.
c) teachers are often unable to use educational technology due to their lack of adequate training.
d) the new Administration is expected to implement a new National Broadcast Strategy to promote
online learning in remote communities.
e) most schools are technologically well-equipped but their students are not digitally literate to make
use of the equipment.
Questo 83: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2013
Ateno: Para responder questo, considere o texto a seguir:
For taxpayer advocate, a familiar refrain
By Michelle Singletary, Published: January 15, 2013
Its not nice to tell people I told you so. But if anybody has the right to say that, its Nina E. Olson, the
national taxpayer advocate.
Olson recently submitted her annual report to Congress and top on her list of things that need to be
fixed is the complexity of the tax code, which she called the most serious problem facing taxpayers.
Lets just look at the most recent evidence of complexity run amok. The Internal Revenue Service had to
delay the tax-filing season so it could update forms and its programming to accommodate recent
changes made under the American Taxpayer Relief Act. The IRS wont start processing individual income
tax returns until Jan. 30. Yet one thing remains unchanged the April 15 tax deadline.
Because of the new tax laws, the IRS also had to release updated income-tax withholding tables for
2013. These replace the tables issued Dec. 31. Yes, lets just keep making more work for the agency that
is already overburdened. Not to mention the extra work for employers, who have to use the revised
information to correct the amount of Social Security tax withheld in 2013. And they have to make that
correction in order to withhold a larger Social Security tax of 6.2 percent on wages, following the
expiration of the payroll tax cut in effect for 2011 and 2012.
Oh, and there was the near miss with the alternative minimum tax that could have delayed the tax filing
season to late March. The AMT was created to target high-income taxpayers who were claiming so
many deductions that they owed little or no income tax. Olson and many others have complained for
years that the AMT wasnt indexed for inflation.
Many middle- and upper-middle-class taxpayers pay the AMT, while most wealthy taxpayers do not,
and thousands of millionaires pay ..A.. income tax at all, Olson said.
As part of the recent fiscal cliff deal, the AMT is now fixed, a move that the IRS was anticipating. It had
already decided to program its systems on the assumption that an AMT patch would be passed, Olson
said. Had the agency not taken the risk, the time it would have taken to update the systems would
have brought about the most chaotic filing season in memory, she said in her report.
The tax code contains almost 4 million words. Since 2001, there have been about 4,680 changes, or an
average of more than one change a day. What else troubles Olson? Heres what:

Focus Concursos Online


Nearly 60 percent of taxpayers hire paid preparers, and another 30 percent rely on commercial
software to prepare their returns.
Many taxpayers dont really know how their taxes are computed and what rate of tax they pay.
The complex code makes tax fraud ..B.. to detect.
Because the code is so complicated, it creates an impression that many taxpayers are not paying their
fair share. This reduces trust in the system and perhaps leads some people to cheat. Who wants to be
the sucker in this game? So someone might not declare all of his income, rationalizing that millionaires
get to use the convoluted code to greatly reduce their tax liability.
In fiscal year 2012, the IRS received around 125 million calls. But the agency answered only about two
out of three calls from people trying to reach a live person, and those taxpayers had to wait, on average,
about 17 minutes to get through.
I hope 2013 brings about fundamental tax simplification, Olson pleaded in her report. She urged
Congress to reassess the need for the tax breaks we know as income exclusions, exemptions, deductions
and credits. Its all these tax advantage breaks that complicate the code. If done right, and without
reducing revenue, tax rates could be substantially lowered in exchange for ending tax breaks, she said.
(Adapted from http://js.washingtonpost.com/business/economy/for-taxpayer-advocate-a-familiarrefrain/2013/01/15/a10327ce-5f59- 11e2-b05a-605528f6b712_story.html)
Infere-se do texto que
a) as novas leis fiscais no alteraram o valor do imposto de renda retido na fonte.
b) o IRS no conseguiu se adequar s recentes alteraes do American Taxpayer Relief Act.
c) Nina Olson j havia apontado problemas no cdigo tributrio.
d) os contribuintes, em 2011 e 2012, estavam isentos do imposto de seguridade social.
e) o aumento dos valores para o imposto de renda retido na fonte evitou o "Abismo Fiscal".
Questo 84: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2013
Ateno: Para responder questo, considere o texto a seguir:
For taxpayer advocate, a familiar refrain
By Michelle Singletary, Published: January 15, 2013
Its not nice to tell people I told you so. But if anybody has the right to say that, its Nina E. Olson, the
national taxpayer advocate.
Olson recently submitted her annual report to Congress and top on her list of things that need to be
fixed is the complexity of the tax code, which she called the most serious problem facing taxpayers.
Lets just look at the most recent evidence of complexity run amok. The Internal Revenue Service had to
delay the tax-filing season so it could update forms and its programming to accommodate recent
changes made under the American Taxpayer Relief Act. The IRS wont start processing individual income
tax returns until Jan. 30. Yet one thing remains unchanged the April 15 tax deadline.

Focus Concursos Online


Because of the new tax laws, the IRS also had to release updated income-tax withholding tables for
2013. These replace the tables issued Dec. 31. Yes, lets just keep making more work for the agency that
is already overburdened. Not to mention the extra work for employers, who have to use the revised
information to correct the amount of Social Security tax withheld in 2013. And they have to make that
correction in order to withhold a larger Social Security tax of 6.2 percent on wages, following the
expiration of the payroll tax cut in effect for 2011 and 2012.
Oh, and there was the near miss with the alternative minimum tax that could have delayed the tax filing
season to late March. The AMT was created to target high-income taxpayers who were claiming so
many deductions that they owed little or no income tax. Olson and many others have complained for
years that the AMT wasnt indexed for inflation.
Many middle- and upper-middle-class taxpayers pay the AMT, while most wealthy taxpayers do not,
and thousands of millionaires pay ..A.. income tax at all, Olson said.
As part of the recent fiscal cliff deal, the AMT is now fixed, a move that the IRS was anticipating. It had
already decided to program its systems on the assumption that an AMT patch would be passed, Olson
said. Had the agency not taken the risk, the time it would have taken to update the systems would
have brought about the most chaotic filing season in memory, she said in her report.
The tax code contains almost 4 million words. Since 2001, there have been about 4,680 changes, or an
average of more than one change a day. What else troubles Olson? Heres what:
Nearly 60 percent of taxpayers hire paid preparers, and another 30 percent rely on commercial
software to prepare their returns.
Many taxpayers dont really know how their taxes are computed and what rate of tax they pay.
The complex code makes tax fraud ..B.. to detect.
Because the code is so complicated, it creates an impression that many taxpayers are not paying their
fair share. This reduces trust in the system and perhaps leads some people to cheat. Who wants to be
the sucker in this game? So someone might not declare all of his income, rationalizing that millionaires
get to use the convoluted code to greatly reduce their tax liability.
In fiscal year 2012, the IRS received around 125 million calls. But the agency answered only about two
out of three calls from people trying to reach a live person, and those taxpayers had to wait, on average,
about 17 minutes to get through.
I hope 2013 brings about fundamental tax simplification, Olson pleaded in her report. She urged
Congress to reassess the need for the tax breaks we know as income exclusions, exemptions, deductions
and credits. Its all these tax advantage breaks that complicate the code. If done right, and without
reducing revenue, tax rates could be substantially lowered in exchange for ending tax breaks, she said.
(Adapted from http://js.washingtonpost.com/business/economy/for-taxpayer-advocate-a-familiarrefrain/2013/01/15/a10327ce-5f59- 11e2-b05a-605528f6b712_story.html)
De acordo com o texto,
a) a complexidade do cdigo tributrio pode incentivar a sonegao.

Focus Concursos Online


b) como o IRS no previu que o imposto mnimo alternativo seria fixado, teme-se que este ano
represente o perodo mais catico da declarao de imposto de renda.
c) 60% dos contribuintes dispensam contadores para preencher sua declarao de rendimentos.
d) o imposto de seguridade social sofreu um aumento de 6,2%.
e) todo contribuinte pode resolver suas questes por telefone em no mximo 17 minutos.
Questo 85: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2013
Ateno: Para responder questo, considere o texto a seguir:
Facebook Announces Its Third Pillar Graph Search That Gives You Answers, Not Links Like Google
DREW OLANOFF JOSH CONSTINE, COLLEEN TAYLOR, INGRID LUNDEN
Tuesday, January 15th, 2013
Today at Facebooks press event, Mark Zuckerberg, CEO of Facebook, announced its latest product,
called Graph Search.
Zuckerberg made it very clear that this is not web search, but completely different.
He explained the difference between web search and Graph Search. Web search is designed to take
any open-ended query and give you links that might have answers. Linking things together based on
things that youre interested in is a very hard technical problem, according to Zuckerberg.
Graph Search is designed to take a precise query and give you an answer, rather than links that might
provide the answer. For example, you could ask Graph Search Who are my friends that live in San
Francisco?
Zuckerberg says that Graph Search is in very early beta. People, photos, places and interests are the
focus for the first iteration of the product.
Facebook Graph Search is completely personalized. Tom Stocky of the search team explains he gets
unique results for a search of friends who like Star Wars and Harry Potter. Then, If anyone else does
this search they get a completely different set of results. ..C.. someone had the same set of friends as
me, the results would be different [because we have different relationships with our friends].
You can also use Graph Search for recruiting. Stocky says if he was looking for people to join the team at
Facebook, he could search for NASA Ames employees who are friends with people at Facebook. If I
wanted to reach out and recruit them, I could see who their friends are at Facebook. To refine them I
can look for people who wrote they are founders.
Photos is another big part of Graph Search. Results are sorted by engagement so you see the ones with
the most likes and comments at the top. For example, Lars Rasmussen, Facebook engineer, searched for
photos of my friends taken at National Parks. He got a gorgeous page of photos from Yosemite,
Machu Pichu, and other parks.
(Adapted from http://techcrunch.com/2013/01/15/facebook-announces-its-third-pillar-graph-search/)
Infere-se do texto que
a) as diferenas entre uma busca na web e pelo Graph Search no so to gritantes quanto Zuckerberg
faz supor.

Focus Concursos Online


b) uma busca na web pode retornar respostas melhores do que o Graph Search.
c) uma busca na web, para ser eficaz, precisa ser formulada como uma questo pontual.
d) as buscas no Graph Search sempre retornam links interessantes.
e) a criao do Graph Search decorreu da soluo de um difcil problema tcnico.
Questo 86: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2013
Ateno: Para responder questo, considere o texto a seguir:
Facebook Announces Its Third Pillar Graph Search That Gives You Answers, Not Links Like Google
DREW OLANOFF JOSH CONSTINE, COLLEEN TAYLOR, INGRID LUNDEN
Tuesday, January 15th, 2013
Today at Facebooks press event, Mark Zuckerberg, CEO of Facebook, announced its latest product,
called Graph Search.
Zuckerberg made it very clear that this is not web search, but completely different.
He explained the difference between web search and Graph Search. Web search is designed to take
any open-ended query and give you links that might have answers. Linking things together based on
things that youre interested in is a very hard technical problem, according to Zuckerberg.
Graph Search is designed to take a precise query and give you an answer, rather than links that might
provide the answer. For example, you could ask Graph Search Who are my friends that live in San
Francisco?
Zuckerberg says that Graph Search is in very early beta. People, photos, places and interests are the
focus for the first iteration of the product.
Facebook Graph Search is completely personalized. Tom Stocky of the search team explains he gets
unique results for a search of friends who like Star Wars and Harry Potter. Then, If anyone else does
this search they get a completely different set of results. ..C.. someone had the same set of friends as
me, the results would be different [because we have different relationships with our friends].
You can also use Graph Search for recruiting. Stocky says if he was looking for people to join the team at
Facebook, he could search for NASA Ames employees who are friends with people at Facebook. If I
wanted to reach out and recruit them, I could see who their friends are at Facebook. To refine them I
can look for people who wrote they are founders.
Photos is another big part of Graph Search. Results are sorted by engagement so you see the ones with
the most likes and comments at the top. For example, Lars Rasmussen, Facebook engineer, searched for
photos of my friends taken at National Parks. He got a gorgeous page of photos from Yosemite,
Machu Pichu, and other parks.
(Adapted from http://techcrunch.com/2013/01/15/facebook-announces-its-third-pillar-graph-search/)
Segundo o texto,
a) ao fazer uma busca por amigos que gostam de Star Wars e Harry Potter", no Graph Search, Stocky
obteve apenas um nico resultado.

Focus Concursos Online


b) duas buscas iguais, no Graph Search, por pessoas diferentes podem retornar respostas totalmente
diferentes.
c) o Graph Search j foi amplamente testado e aprovado.
d) Stocky est tentando recrutar mais pessoas para reforar o time do Facebook.
e) uma busca por fotos, no Graph Search, traz uma coletnea indiscriminada de fotografias.
Questo 87: FCC - AFR SP/SEFAZ SP/Gesto Tributria/2013
Ateno: Para responder questo, considere o texto a seguir:
Facebook Announces Its Third Pillar Graph Search That Gives You Answers, Not Links Like Google
DREW OLANOFF JOSH CONSTINE, COLLEEN TAYLOR, INGRID LUNDEN
Tuesday, January 15th, 2013
Today at Facebooks press event, Mark Zuckerberg, CEO of Facebook, announced its latest product,
called Graph Search.
Zuckerberg made it very clear that this is not web search, but completely different.
He explained the difference between web search and Graph Search. Web search is designed to take
any open-ended query and give you links that might have answers. Linking things together based on
things that youre interested in is a very hard technical problem, according to Zuckerberg.
Graph Search is designed to take a precise query and give you an answer, rather than links that might
provide the answer. For example, you could ask Graph Search Who are my friends that live in San
Francisco?
Zuckerberg says that Graph Search is in very early beta. People, photos, places and interests are the
focus for the first iteration of the product.
Facebook Graph Search is completely personalized. Tom Stocky of the search team explains he gets
unique results for a search of friends who like Star Wars and Harry Potter. Then, If anyone else does
this search they get a completely different set of results. ..C.. someone had the same set of friends as
me, the results would be different [because we have different relationships with our friends].
You can also use Graph Search for recruiting. Stocky says if he was looking for people to join the team at
Facebook, he could search for NASA Ames employees who are friends with people at Facebook. If I
wanted to reach out and recruit them, I could see who their friends are at Facebook. To refine them I
can look for people who wrote they are founders.
Photos is another big part of Graph Search. Results are sorted by engagement so you see the ones with
the most likes and comments at the top. For example, Lars Rasmussen, Facebook engineer, searched for
photos of my friends taken at National Parks. He got a gorgeous page of photos from Yosemite,
Machu Pichu, and other parks.
(Adapted from http://techcrunch.com/2013/01/15/facebook-announces-its-third-pillar-graph-search/)
Qual das alternativas abaixo encontra resposta no texto?
a) How did Google react to Zuckermans announcement?
b) What kind of problem does Graph Search address?

Focus Concursos Online


c) Who searched for friends who live in San Francisco?
d) How many of Stockys friends like Star Wars and Harry Potter?
e) Where is Yosemite Park?
Questo 88: FCC - TJ TRT6/TRT 6/Apoio Especializado/Tecnologia da Informao/2012
Ateno: Considere o texto a seguir para responder questo.
Internet insecurity
Once more unto the breach
Jun 3rd 2011, 11:02 by M.G. | SAN FRANCISCO
DEFENCE companies have been left defenceless. The cyber attacks against Lockheed Martin and L-3
Communications, two American defence giants, as well as those against Google and Americas Public
Broadcasting System (PBS) differ in their details. But they all highlight the fact that hackers are becoming
ever more tenacious and creative in their attempts to get their hands on sensitive data.
Its not just American firms that are under attack. On June 2nd, a group of hackers calling itself LulzSec
claimed that it had been able to get into the network of Sony Pictures. LulzSec (which also uses the
moniker The Lulz Boat) claims it is behind the hacking of PBSs website too.
The rise of hacktivism, which involves groups of hackers not necessarily driven by financial gain
(though this can be a handy by-product of their nefarious activities), poses a growing challenge to
companies and governments. Often the motive is revenge. LulzSec claimed its attack on PBS was
motivated by the media organisations decision to air an investigative report that included criticism of
WikiLeaks, the organisation that has been publishing leaked diplomatic cables. Anonymous, a hacker
collective that has gained global notoriety for penetrating the networks of credit-card companies and
other organisations, has also justified some of its actions by saying they are protests at the way in which
Julian Assange, the founder of WikiLeaks, has been persecuted by governments and courts.
(Adapted from http://www.economist.com/blogs/babbage/2011/06/internet-insecurity)
Segundo o texto,
a) os ataques dos hackers carecem de criatividade.
b) o grupo LulzSec assumiu a autoria do ataque PBS.
c) os ltimos ataques dos hackers sempre tiveram por alvo empresas americanas.
d) os ataques s companhias de defesa nacional diferem bastante entre si.
e) o Google, at agora, no sofreu nenhum ataque ciberntico.
Questo 89: FCC - TJ TRT6/TRT 6/Apoio Especializado/Tecnologia da Informao/2012
Ateno: Considere o texto a seguir para responder questo.
Internet insecurity
Once more unto the breach
Jun 3rd 2011, 11:02 by M.G. | SAN FRANCISCO
DEFENCE companies have been left defenceless. The cyber attacks against Lockheed Martin and L-3
Communications, two American defence giants, as well as those against Google and Americas Public

Focus Concursos Online


Broadcasting System (PBS) differ in their details. But they all highlight the fact that hackers are becoming
ever more tenacious and creative in their attempts to get their hands on sensitive data.
Its not just American firms that are under attack. On June 2nd, a group of hackers calling itself LulzSec
claimed that it had been able to get into the network of Sony Pictures. LulzSec (which also uses the
moniker The Lulz Boat) claims it is behind the hacking of PBSs website too.
The rise of hacktivism, which involves groups of hackers not necessarily driven by financial gain
(though this can be a handy by-product of their nefarious activities), poses a growing challenge to
companies and governments. Often the motive is revenge. LulzSec claimed its attack on PBS was
motivated by the media organisations decision to air an investigative report that included criticism of
WikiLeaks, the organisation that has been publishing leaked diplomatic cables. Anonymous, a hacker
collective that has gained global notoriety for penetrating the networks of credit-card companies and
other organisations, has also justified some of its actions by saying they are protests at the way in which
Julian Assange, the founder of WikiLeaks, has been persecuted by governments and courts.
(Adapted from http://www.economist.com/blogs/babbage/2011/06/internet-insecurity)
De acordo com o texto,
a) o motivo maior que move os hackers financeiro.
b) a WikiLeaks tambm est envolvida nos ltimos ataques dos hackers.
c) o governo americano e as empresas vtimas dos hackers aceitaram o desafio de por fim aos ataques.
d) alguns hackers justificam seus ataques como vingana por crticas WikiLeaks.
e) as maiores vtimas dos hackers so as empresas de cartes de crdito.
Questo 90: FCC - AJ TRT6/TRT 6/Apoio Especializado/Tecnologia da Informao/2012
Ateno: Considere o texto a seguir, para responder questo.
Microsoft touts Windows 8's ability to detect, fix hard disk problems
The new operating system makes the process faster and less disruptive to the operation of the
computer
By Juan Carlos Perez
May 10, 2012 04:46 PM ET
IDG News Service Microsoft has revamped the way Windows 8 monitors hard disk operations and
detects problems in an effort to make the diagnostic and repair process less intrusive and disruptive,
even as disk capacity continues to balloon.
The improvements in Windows 8 center on the ChkDsk utility, which inspects the hard disk and checks
for a variety of errors and problems. Until now, running ChkDsk has often been inconvenient because
end users have to stop using the machine while the utility runs, and the scan can take a long time to
complete.
Microsoft also tweaked NTFS, the Windows OS file system. Until now, the NTFS "health model"
conceived the machine's hard disk as a single unit that was either well or damaged, and which thus was
taken completely offline and made unavailable to the end user while ChkDsk ran, sometimes for hours.
"Downtime was directly proportional to the number of files in the volume," reads Microsoft's blog post
late Wednesday authored by Kiran Bangalore, senior program manager of Windows Core Storage and
File Systems.

Focus Concursos Online


In Windows 8, however, the NTFS scans for problems in the background while the system remains
online, and an initial attempt to fix problems on-the-fly is done.
(Adapted
from
http://www.computerworld.com/s/article/9227070/Microsoft_touts_Windows_8_s_ability_to_detect_f
ix_hard_disk_problems)
Segundo o texto,
a) o ChkDsk do Windows 8 no exige que o usurio pare de usar o computador enquanto o utilitrio
escaneia o disco rgido.
b) est ficando mais difcil rodar o ChkDsk porque a capacidade dos discos rgidos cada vez maior.
c) apesar das melhorias, o ChkDsk do Windows 8 ainda pode levar algumas horas para terminar o
diagnstico do disco rgido.
d) o Windows 8 dispe de um novo utilitrio que diagnostica e repara imediatamente quaisquer
problemas no disco rgido.
e) com as inovaes no Windows 8, o NTSF passou a considerar o disco rgido como uma unidade nica
a ser diagnosticada.
Questo 91: FCC - AJ TRT6/TRT 6/Apoio Especializado/Tecnologia da Informao/2012
Ateno: Considere o texto a seguir, para responder questo.
Microsoft touts Windows 8's ability to detect, fix hard disk problems
The new operating system makes the process faster and less disruptive to the operation of the
computer
By Juan Carlos Perez
May 10, 2012 04:46 PM ET
IDG News Service Microsoft has revamped the way Windows 8 monitors hard disk operations and
detects problems in an effort to make the diagnostic and repair process less intrusive and disruptive,
even as disk capacity continues to balloon.
The improvements in Windows 8 center on the ChkDsk utility, which inspects the hard disk and checks
for a variety of errors and problems. Until now, running ChkDsk has often been inconvenient because
end users have to stop using the machine while the utility runs, and the scan can take a long time to
complete.
Microsoft also tweaked NTFS, the Windows OS file system. Until now, the NTFS "health model"
conceived the machine's hard disk as a single unit that was either well or damaged, and which thus was
taken completely offline and made unavailable to the end user while ChkDsk ran, sometimes for hours.
"Downtime was directly proportional to the number of files in the volume," reads Microsoft's blog post
late Wednesday authored by Kiran Bangalore, senior program manager of Windows Core Storage and
File Systems.
In Windows 8, however, the NTFS scans for problems in the background while the system remains
online, and an initial attempt to fix problems on-the-fly is done.

Focus Concursos Online


(Adapted
from
http://www.computerworld.com/s/article/9227070/Microsoft_touts_Windows_8_s_ability_to_detect_f
ix_hard_disk_problems)
No texto, downtime significa
a) tempo de operao da mquina.
b) tempo em que o computador fica desligado.
c) perodo em que o computador no pode ser usado.
d) perodo em que a mquina opera com capacidade reduzida.
e) nmero de horas que o NTFS leva para resolver problemas.
Questo 92: CESGRANRIO - PB (BNDES)/BNDES/Administrao/2013
Coworking: Sharing How We Work
Genevieve DeGuzman
Communication
In the past, when trying to find places to work, independent workers, small businesses, and
organizations often had to choose between several scenarios, all with their attendant advantages and
disadvantages: working from home; working from a coffee shop, library, or other public venue; or
leasing an executive suite or other commercial space.
Is there a better way to work? Yes. Enter coworking.
Coworking takes freelancers, indie workers, and entrepreneurs who feel that they have been dormant
or isolated working alone at home or who have been migrating from a coffee shop to a friends garage
or languishing in a sterile business center to a space where they can truly roost.
We can come out of hiding, a coworker tells us, and be in a space thats comfortable, friendly, and
has an aesthetic appeal thats a far cry from the typical cookie-cutter office environment.
For many, it might be puzzling to pay for a wellequipped space teeming with other people, even with
the chance of free coffee and inspiration. You might ask yourself, Well, why pay for a place to work
when Im perfectly comfortable at home and paying nothing? Or, Isnt the whole point of
telecommuting or starting my own business a chance to avoid going to the office?
Coworking may sound like an unnecessary expense, but lets consider what you get from being a part of
the space.
At its most basic level, coworking is the phenomenon of workers coming together in a shared or
collaborative workspace for one or more of these reasons: to reduce costs by having shared facilities
and equipment, to access a community of fellow entrepreneurs, and to seek out collaboration within
and across fields. Coworking spaces offer an exciting alternative for people longing to escape the
confines of their cubicle walls, the isolation of working solo at home, or the inconveniences of public
venues.
The benefits and cost-savings in productivity and overall happiness and well-being reaped from
coworking are also potentially huge. Enthusiasm and creativity become contagious and multiply when
you diversify your work environment with people from different fields or backgrounds. At coworking

Focus Concursos Online


spaces, members pass each other during the day, conversations get going, and miraculously idea-fusion
happens with everyone benefitting from the shared thinking and brainstorming.
Differences matter. Coworking hinges on the belief that innovation and inspiration come from the crosspollination of different people in different fields or specializations. Random opportunities and
discoveries that arise from interactions with others play a large role in coworking.
To see this in action on a large scale, think about Google. Google made the culture of sharing and
collaboration in the workplace legend. It deployed grouplets for initiatives that cover broader changes
through the organization.
One remarkable story of a successful Google grouplet involved getting engineers to write their own
testing code to reduce the incidence of bugs in software code. Thinking creatively, the grouplet came up
with a campaign based on posting episodes discussing new and interesting testing techniques on the
bathroom stalls. Testing on the Toilet spread fast and garnered both rants and raves. Soon, people
were hungry for more, and the campaign ultimately developed enough inertia to become a de facto part
of the coding culture. They moved out of the restrooms and into the mainstream.
Keith Sawyer, a professor of psychology and education at Washington University in St. Louis, MO, has
written widely on collaboration and innovation. In his study of jazz performances, Keith Sawyer made
this observation, The group has the ideas, not the individual musicians. Some of the most famous
products were born out of this mosh pit of interaction in contrast to the romantic idea of a lone
working genius driving change. According to Sawyer, more often than not, true innovation emerges
from an improvised process and draws from trial-by-error and many inputs.
Unexpected insights emerge from the group dynamic. If increasing interaction among different peer
groups within a single company could lead to promising results, imagine the possibilities for
solopreneurs, small businesses, and indie workers if only they could reach similar levels of peer
access as those experienced by their bigger counterparts. It is this potential that coworking tries to
capture for its members.
Available at: <http://workawesome.com/productivity/coworking/>. Retrieved on: 21 Oct. 2011.
Adapted.
The main purpose of the text is to
a) convince people in different fields or specializations that they must work in pairs.
b) suggest that coworking is an economic and socially stimulating alternative to boost workers wellbeing and productivity.
c) question the relevance of teeming with other coworkers if the professional can work peacefully from
home.
d) criticize organizations that do not offer their employees the opportunity to experience group
dynamics.
e) campaign for the installation of comfortable coworking spaces in all companies to encourage
employeescreativity and enthusiasm.
Questo 93: CESGRANRIO - PB (BNDES)/BNDES/Administrao/2013
Coworking: Sharing How We Work
Genevieve DeGuzman
Communication

Focus Concursos Online


In the past, when trying to find places to work, independent workers, small businesses, and
organizations often had to choose between several scenarios, all with their attendant advantages and
disadvantages: working from home; working from a coffee shop, library, or other public venue; or
leasing an executive suite or other commercial space.
Is there a better way to work? Yes. Enter coworking.
Coworking takes freelancers, indie workers, and entrepreneurs who feel that they have been dormant
or isolated working alone at home or who have been migrating from a coffee shop to a friends garage
or languishing in a sterile business center to a space where they can truly roost.
We can come out of hiding, a coworker tells us, and be in a space thats comfortable, friendly, and
has an aesthetic appeal thats a far cry from the typical cookie-cutter office environment.
For many, it might be puzzling to pay for a wellequipped space teeming with other people, even with
the chance of free coffee and inspiration. You might ask yourself, Well, why pay for a place to work
when Im perfectly comfortable at home and paying nothing? Or, Isnt the whole point of
telecommuting or starting my own business a chance to avoid going to the office?
Coworking may sound like an unnecessary expense, but lets consider what you get from being a part of
the space.
At its most basic level, coworking is the phenomenon of workers coming together in a shared or
collaborative workspace for one or more of these reasons: to reduce costs by having shared facilities
and equipment, to access a community of fellow entrepreneurs, and to seek out collaboration within
and across fields. Coworking spaces offer an exciting alternative for people longing to escape the
confines of their cubicle walls, the isolation of working solo at home, or the inconveniences of public
venues.
The benefits and cost-savings in productivity and overall happiness and well-being reaped from
coworking are also potentially huge. Enthusiasm and creativity become contagious and multiply when
you diversify your work environment with people from different fields or backgrounds. At coworking
spaces, members pass each other during the day, conversations get going, and miraculously idea-fusion
happens with everyone benefitting from the shared thinking and brainstorming.
Differences matter. Coworking hinges on the belief that innovation and inspiration come from the crosspollination of different people in different fields or specializations. Random opportunities and
discoveries that arise from interactions with others play a large role in coworking.
To see this in action on a large scale, think about Google. Google made the culture of sharing and
collaboration in the workplace legend. It deployed grouplets for initiatives that cover broader changes
through the organization.
One remarkable story of a successful Google grouplet involved getting engineers to write their own
testing code to reduce the incidence of bugs in software code. Thinking creatively, the grouplet came up
with a campaign based on posting episodes discussing new and interesting testing techniques on the
bathroom stalls. Testing on the Toilet spread fast and garnered both rants and raves. Soon, people
were hungry for more, and the campaign ultimately developed enough inertia to become a de facto part
of the coding culture. They moved out of the restrooms and into the mainstream.

Focus Concursos Online


Keith Sawyer, a professor of psychology and education at Washington University in St. Louis, MO, has
written widely on collaboration and innovation. In his study of jazz performances, Keith Sawyer made
this observation, The group has the ideas, not the individual musicians. Some of the most famous
products were born out of this mosh pit of interaction in contrast to the romantic idea of a lone
working genius driving change. According to Sawyer, more often than not, true innovation emerges
from an improvised process and draws from trial-by-error and many inputs.
Unexpected insights emerge from the group dynamic. If increasing interaction among different peer
groups within a single company could lead to promising results, imagine the possibilities for
solopreneurs, small businesses, and indie workers if only they could reach similar levels of peer
access as those experienced by their bigger counterparts. It is this potential that coworking tries to
capture for its members.
Available at: <http://workawesome.com/productivity/coworking/>. Retrieved on: 21 Oct. 2011.
Adapted.
According to the text, all the reasons below are benefits that support the choice of a collaborative
workplace, EXCEPT:
a) stimulate shared thinking and brainstorming.
b) reduce costs by sharing facilities and equipment.
c) promote interaction among different peer groups.
d) pay for workspace and having to commute to work.
e) escape the isolation and discomfort when working in public spaces.
Questo 94: CESGRANRIO - PB (BNDES)/BNDES/Administrao/2013
Coworking: Sharing How We Work
Genevieve DeGuzman
Communication
In the past, when trying to find places to work, independent workers, small businesses, and
organizations often had to choose between several scenarios, all with their attendant advantages and
disadvantages: working from home; working from a coffee shop, library, or other public venue; or
leasing an executive suite or other commercial space.
Is there a better way to work? Yes. Enter coworking.
Coworking takes freelancers, indie workers, and entrepreneurs who feel that they have been dormant
or isolated working alone at home or who have been migrating from a coffee shop to a friends garage
or languishing in a sterile business center to a space where they can truly roost.
We can come out of hiding, a coworker tells us, and be in a space thats comfortable, friendly, and
has an aesthetic appeal thats a far cry from the typical cookie-cutter office environment.
For many, it might be puzzling to pay for a wellequipped space teeming with other people, even with
the chance of free coffee and inspiration. You might ask yourself, Well, why pay for a place to work
when Im perfectly comfortable at home and paying nothing? Or, Isnt the whole point of
telecommuting or starting my own business a chance to avoid going to the office?

Focus Concursos Online


Coworking may sound like an unnecessary expense, but lets consider what you get from being a part of
the space.
At its most basic level, coworking is the phenomenon of workers coming together in a shared or
collaborative workspace for one or more of these reasons: to reduce costs by having shared facilities
and equipment, to access a community of fellow entrepreneurs, and to seek out collaboration within
and across fields. Coworking spaces offer an exciting alternative for people longing to escape the
confines of their cubicle walls, the isolation of working solo at home, or the inconveniences of public
venues.
The benefits and cost-savings in productivity and overall happiness and well-being reaped from
coworking are also potentially huge. Enthusiasm and creativity become contagious and multiply when
you diversify your work environment with people from different fields or backgrounds. At coworking
spaces, members pass each other during the day, conversations get going, and miraculously idea-fusion
happens with everyone benefitting from the shared thinking and brainstorming.
Differences matter. Coworking hinges on the belief that innovation and inspiration come from the crosspollination of different people in different fields or specializations. Random opportunities and
discoveries that arise from interactions with others play a large role in coworking.
To see this in action on a large scale, think about Google. Google made the culture of sharing and
collaboration in the workplace legend. It deployed grouplets for initiatives that cover broader changes
through the organization.
One remarkable story of a successful Google grouplet involved getting engineers to write their own
testing code to reduce the incidence of bugs in software code. Thinking creatively, the grouplet came up
with a campaign based on posting episodes discussing new and interesting testing techniques on the
bathroom stalls. Testing on the Toilet spread fast and garnered both rants and raves. Soon, people
were hungry for more, and the campaign ultimately developed enough inertia to become a de facto part
of the coding culture. They moved out of the restrooms and into the mainstream.
Keith Sawyer, a professor of psychology and education at Washington University in St. Louis, MO, has
written widely on collaboration and innovation. In his study of jazz performances, Keith Sawyer made
this observation, The group has the ideas, not the individual musicians. Some of the most famous
products were born out of this mosh pit of interaction in contrast to the romantic idea of a lone
working genius driving change. According to Sawyer, more often than not, true innovation emerges
from an improvised process and draws from trial-by-error and many inputs.
Unexpected insights emerge from the group dynamic. If increasing interaction among different peer
groups within a single company could lead to promising results, imagine the possibilities for
solopreneurs, small businesses, and indie workers if only they could reach similar levels of peer
access as those experienced by their bigger counterparts. It is this potential that coworking tries to
capture for its members.
Available at: <http://workawesome.com/productivity/coworking/>. Retrieved on: 21 Oct. 2011.
Adapted.
Google is mentioned in paragraphs 10 and 11 of the text in order to
a) contrast the legends on workplace productivity with Googles large scale marketing initiatives.

Focus Concursos Online


b) argument with a counter-example to prove that coworking does not always bring about a successful
result.
c) suggest that it is essential to campaign for new techniques that will foster inertia in the work
environment.
d) illustrate how software engineers can find better solutions for bathroom installations.
e) demonstrate through example how workers in different specializations can collaborate to find
innovative solutions for the business.
Questo 95: CESGRANRIO - PB (BNDES)/BNDES/Administrao/2013
Coworking: Sharing How We Work
Genevieve DeGuzman
Communication
In the past, when trying to find places to work, independent workers, small businesses, and
organizations often had to choose between several scenarios, all with their attendant advantages and
disadvantages: working from home; working from a coffee shop, library, or other public venue; or
leasing an executive suite or other commercial space.
Is there a better way to work? Yes. Enter coworking.
Coworking takes freelancers, indie workers, and entrepreneurs who feel that they have been dormant
or isolated working alone at home or who have been migrating from a coffee shop to a friends garage
or languishing in a sterile business center to a space where they can truly roost.
We can come out of hiding, a coworker tells us, and be in a space thats comfortable, friendly, and
has an aesthetic appeal thats a far cry from the typical cookie-cutter office environment.
For many, it might be puzzling to pay for a wellequipped space teeming with other people, even with
the chance of free coffee and inspiration. You might ask yourself, Well, why pay for a place to work
when Im perfectly comfortable at home and paying nothing? Or, Isnt the whole point of
telecommuting or starting my own business a chance to avoid going to the office?
Coworking may sound like an unnecessary expense, but lets consider what you get from being a part of
the space.
At its most basic level, coworking is the phenomenon of workers coming together in a shared or
collaborative workspace for one or more of these reasons: to reduce costs by having shared facilities
and equipment, to access a community of fellow entrepreneurs, and to seek out collaboration within
and across fields. Coworking spaces offer an exciting alternative for people longing to escape the
confines of their cubicle walls, the isolation of working solo at home, or the inconveniences of public
venues.
The benefits and cost-savings in productivity and overall happiness and well-being reaped from
coworking are also potentially huge. Enthusiasm and creativity become contagious and multiply when
you diversify your work environment with people from different fields or backgrounds. At coworking
spaces, members pass each other during the day, conversations get going, and miraculously idea-fusion
happens with everyone benefitting from the shared thinking and brainstorming.

Focus Concursos Online


Differences matter. Coworking hinges on the belief that innovation and inspiration come from the crosspollination of different people in different fields or specializations. Random opportunities and
discoveries that arise from interactions with others play a large role in coworking.
To see this in action on a large scale, think about Google. Google made the culture of sharing and
collaboration in the workplace legend. It deployed grouplets for initiatives that cover broader changes
through the organization.
One remarkable story of a successful Google grouplet involved getting engineers to write their own
testing code to reduce the incidence of bugs in software code. Thinking creatively, the grouplet came up
with a campaign based on posting episodes discussing new and interesting testing techniques on the
bathroom stalls. Testing on the Toilet spread fast and garnered both rants and raves. Soon, people
were hungry for more, and the campaign ultimately developed enough inertia to become a de facto part
of the coding culture. They moved out of the restrooms and into the mainstream.
Keith Sawyer, a professor of psychology and education at Washington University in St. Louis, MO, has
written widely on collaboration and innovation. In his study of jazz performances, Keith Sawyer made
this observation, The group has the ideas, not the individual musicians. Some of the most famous
products were born out of this mosh pit of interaction in contrast to the romantic idea of a lone
working genius driving change. According to Sawyer, more often than not, true innovation emerges
from an improvised process and draws from trial-by-error and many inputs.
Unexpected insights emerge from the group dynamic. If increasing interaction among different peer
groups within a single company could lead to promising results, imagine the possibilities for
solopreneurs, small businesses, and indie workers if only they could reach similar levels of peer
access as those experienced by their bigger counterparts. It is this potential that coworking tries to
capture for its members.
Available at: <http://workawesome.com/productivity/coworking/>. Retrieved on: 21 Oct. 2011.
Adapted.
Professor Keith Sawyer mentions that The group has the ideas, not the individual musicians. to mean
that
a) the dispute among consumers is the key to profitable product-design changes.
b) the famous products result from professionals working individually to achieve the aims of the group.
c) improvisation and trial-and-error always leads to the best solutions for the market place.
d) good jazz performances are made up of individual musicians who strive to play their instruments far
louder than the others.
e) it is the whole orchestra that makes the music sound pleasant just as it is the whole professional
team that will achieve a successful solution.
Questo 96: CESGRANRIO - PB (BNDES)/BNDES/Administrao/2013
Coworking: Sharing How We Work
Genevieve DeGuzman
Communication
In the past, when trying to find places to work, independent workers, small businesses, and
organizations often had to choose between several scenarios, all with their attendant advantages and

Focus Concursos Online


disadvantages: working from home; working from a coffee shop, library, or other public venue; or
leasing an executive suite or other commercial space.
Is there a better way to work? Yes. Enter coworking.
Coworking takes freelancers, indie workers, and entrepreneurs who feel that they have been dormant
or isolated working alone at home or who have been migrating from a coffee shop to a friends garage
or languishing in a sterile business center to a space where they can truly roost.
We can come out of hiding, a coworker tells us, and be in a space thats comfortable, friendly, and
has an aesthetic appeal thats a far cry from the typical cookie-cutter office environment.
For many, it might be puzzling to pay for a wellequipped space teeming with other people, even with
the chance of free coffee and inspiration. You might ask yourself, Well, why pay for a place to work
when Im perfectly comfortable at home and paying nothing? Or, Isnt the whole point of
telecommuting or starting my own business a chance to avoid going to the office?
Coworking may sound like an unnecessary expense, but lets consider what you get from being a part of
the space.
At its most basic level, coworking is the phenomenon of workers coming together in a shared or
collaborative workspace for one or more of these reasons: to reduce costs by having shared facilities
and equipment, to access a community of fellow entrepreneurs, and to seek out collaboration within
and across fields. Coworking spaces offer an exciting alternative for people longing to escape the
confines of their cubicle walls, the isolation of working solo at home, or the inconveniences of public
venues.
The benefits and cost-savings in productivity and overall happiness and well-being reaped from
coworking are also potentially huge. Enthusiasm and creativity become contagious and multiply when
you diversify your work environment with people from different fields or backgrounds. At coworking
spaces, members pass each other during the day, conversations get going, and miraculously idea-fusion
happens with everyone benefitting from the shared thinking and brainstorming.
Differences matter. Coworking hinges on the belief that innovation and inspiration come from the crosspollination of different people in different fields or specializations. Random opportunities and
discoveries that arise from interactions with others play a large role in coworking.
To see this in action on a large scale, think about Google. Google made the culture of sharing and
collaboration in the workplace legend. It deployed grouplets for initiatives that cover broader changes
through the organization.
One remarkable story of a successful Google grouplet involved getting engineers to write their own
testing code to reduce the incidence of bugs in software code. Thinking creatively, the grouplet came up
with a campaign based on posting episodes discussing new and interesting testing techniques on the
bathroom stalls. Testing on the Toilet spread fast and garnered both rants and raves. Soon, people
were hungry for more, and the campaign ultimately developed enough inertia to become a de facto part
of the coding culture. They moved out of the restrooms and into the mainstream.
Keith Sawyer, a professor of psychology and education at Washington University in St. Louis, MO, has
written widely on collaboration and innovation. In his study of jazz performances, Keith Sawyer made

Focus Concursos Online


this observation, The group has the ideas, not the individual musicians. Some of the most famous
products were born out of this mosh pit of interaction in contrast to the romantic idea of a lone
working genius driving change. According to Sawyer, more often than not, true innovation emerges
from an improvised process and draws from trial-by-error and many inputs.
Unexpected insights emerge from the group dynamic. If increasing interaction among different peer
groups within a single company could lead to promising results(a), imagine the possibilities(b) for
solopreneurs(c), small businesses, and indie workers if only they could reach similar levels(d) of peer
access as those experienced by their bigger counterparts(e). It is this potential that coworking tries to
capture for its members.
Available at: <http://workawesome.com/productivity/coworking/>. Retrieved on: 21 Oct. 2011.
Adapted.
In the fragment as those experienced by their bigger counterparts the pronoun those refers to
a) results
b) possibilities
c) solopreneurs
d) levels
e) counterparts
Questo 97: CESGRANRIO - PB (BNDES)/BNDES/Administrao/2013
Coworking: Sharing How We Work
Genevieve DeGuzman
Communication
In the past, when trying to find places to work, independent workers, small businesses, and
organizations often had to choose between several scenarios, all with their attendant advantages and
disadvantages: working from home; working from a coffee shop, library, or other public venue; or
leasing an executive suite or other commercial space.
Is there a better way to work? Yes. Enter coworking.
Coworking takes freelancers, indie workers, and entrepreneurs who feel that they have been dormant
or isolated working alone at home or who have been migrating from a coffee shop to a friends garage
or languishing in a sterile business center to a space where they can truly roost.
We can come out of hiding, a coworker tells us, and be in a space thats comfortable, friendly, and
has an aesthetic appeal thats a far cry from the typical cookie-cutter office environment.
For many, it might be puzzling to pay for a wellequipped space teeming with other people, even with
the chance of free coffee and inspiration. You might ask yourself, Well, why pay for a place to work
when Im perfectly comfortable at home and paying nothing? Or, Isnt the whole point of
telecommuting or starting my own business a chance to avoid going to the office?
Coworking may sound like an unnecessary expense, but lets consider what you get from being a part of
the space.

Focus Concursos Online


At its most basic level, coworking is the phenomenon of workers coming together in a shared or
collaborative workspace for one or more of these reasons: to reduce costs by having shared facilities
and equipment, to access a community of fellow entrepreneurs, and to seek out collaboration within
and across fields. Coworking spaces offer an exciting alternative for people longing to escape the
confines of their cubicle walls, the isolation of working solo at home, or the inconveniences of public
venues.
The benefits and cost-savings in productivity and overall happiness and well-being reaped from
coworking are also potentially huge. Enthusiasm and creativity become contagious and multiply when
you diversify your work environment with people from different fields or backgrounds. At coworking
spaces, members pass each other during the day, conversations get going, and miraculously idea-fusion
happens with everyone benefitting from the shared thinking and brainstorming.
Differences matter. Coworking hinges on the belief that innovation and inspiration come from the crosspollination of different people in different fields or specializations. Random opportunities and
discoveries that arise from interactions with others play a large role in coworking.
To see this in action on a large scale, think about Google. Google made the culture of sharing and
collaboration in the workplace legend. It deployed grouplets for initiatives that cover broader changes
through the organization.
One remarkable story of a successful Google grouplet involved getting engineers to write their own
testing code to reduce the incidence of bugs in software code. Thinking creatively, the grouplet came up
with a campaign based on posting episodes discussing new and interesting testing techniques on the
bathroom stalls. Testing on the Toilet spread fast and garnered both rants and raves. Soon, people
were hungry for more, and the campaign ultimately developed enough inertia to become a de facto part
of the coding culture. They moved out of the restrooms and into the mainstream.
Keith Sawyer, a professor of psychology and education at Washington University in St. Louis, MO, has
written widely on collaboration and innovation. In his study of jazz performances, Keith Sawyer made
this observation, The group has the ideas, not the individual musicians. Some of the most famous
products were born out of this mosh pit of interaction in contrast to the romantic idea of a lone
working genius driving change. According to Sawyer, more often than not, true innovation emerges
from an improvised process and draws from trial-by-error and many inputs.
Unexpected insights emerge from the group dynamic. If increasing interaction among different peer
groups within a single company could lead to promising results, imagine the possibilities for
solopreneurs, small businesses, and indie workers if only they could reach similar levels of peer
access as those experienced by their bigger counterparts. It is this potential that coworking tries to
capture for its members.
Available at: <http://workawesome.com/productivity/coworking/>. Retrieved on: 21 Oct. 2011.
Adapted.
The statements below represent opinions collected from different workers.
The only one which can be considered as an argument against coworking is:
a) One of the best things is that I pay lower than I would for a dedicated office, so I dont feel pressured
to go to the coworking facility every day.

Focus Concursos Online


b) Though my home office is great and I love it, I sometimes need the distance and collaborative
environment that my coworking space provides.
c) The vibe of being around others can feel like a wave carrying you even when youre not sure where
to go if you need a little social boost.
d) Perhaps you wont like any of the other people at your coworking space, or that the proprietors
arent putting much effort into socializing or collaboration.
e) The shared space provides instant community and a stimulating atmosphere around other
professionals working towards the same intentions as I am.
Questo 98: CESGRANRIO - Tec Adm (BNDES)/BNDES/2013
Better Education Quality Needed
Formal education and skills arent connecting in Latin America.
By Gabriel Sanchez Zinny
Education advocates in Latin America have long pushed for expanded access for all students. Indeed,
access has improved, with secondary school completion rates climbing from 30 to 50 percent over the
past two decades. However, there is a growing realization that greater access alone will do little good
without higher quality.
Business leaders, in particular, have argued that there is a profound disconnect between what schools
are teaching and what is actually required for a worker to succeed in a globalized, innovation-driven,
and knowledge-based modern economy. There are very talented people in the region. All they need is
a chance to develop, says Felipe Vergara, co-founder of Lumni, a company that invests in students
education in exchange for a fixed portion of the income they will go on to receive with their improved
career path.
At the same time that the private sector is beginning to take matters into its own hands, a new report
from a team of Inter-American Development Bank education researchers, led by Marina Bassi and Jaime
Vargas, has shed new light on the failures of Latin American education systems to prepare students for
the job market. Entitled Disconnected: Skills, Education and Employment in Latin America, the report
uses surveys of both students and employers across the region to understand why and how this gap in
skills is occurring.
The results are surprising. While access has increased, in two other critical areas - quality and relevance there has been little to no progress, leaving students unprepared for the demands of the modern
workplace. The employers surveyed all pointed to the importance of what are known as socioemotional skills, in contrast to traditional cognitive skills such as literacy and basic mathematics. Socioemotional skills relate to personality, and include punctuality, politeness, work ethics, responsibility,
empathy, and adaptability, and are especially critical for workers and managers in a globalized economy
defined by its unpredictability and dynamism.
While high costs are certainly playing a role, it is clear that addressing the skills gap in Latin America will
require a multifaceted approach. As the authors of Disconnected argue, schools must find ways to
become more engaged with the productive economy that surrounds them, and improve their ability to
instill and evaluate the type of skills that the private sector is looking for. This effort should go beyond
increasing the access and completion of secondary school. It should involve more research, better
teacher recruitment and evaluation, and incentives for developing socioemotional skills.

Focus Concursos Online


Companies have a strong role to play, and some of them are just not giving up. As Juan Iramain, Vice
President of Public Affairs and Communications in Coca Colas South Latin region, puts it, at the CocaCola Company we understand that in order to catch up with the necessary level of sustainability of the
globalized world, our business should rely on the sustainability of the communities in which we operate.
For some time now, therefore, we have been dealing with specialized NGOs to strengthen the work of
parents and school. The aim is not only for students to complete the school year, but also that they
incorporate the curiosity and lifelong learning capabilities needed to work in the labor market of the
21st century. We just cant put up with a school program that cannot prepare youngsters for a better
society.
But above all, as the authors Marina Bassi and Jaime Vargas have argued, we must continue this
dialogue between governments and the private sector so that education reform can lead to increased
opportunity and economic development across the region.
Available at: <http://www.latinbusinesschronicle.com/app/article.aspx?id=5623>. Retrieved on: 20 May
2012. Adapted.
According to the text, in Latin America, education advocates
a) have reason to suppose that secondary education problems have all ended.
b) have reason to suppose that secondary education problems with quality have improved.
c) can be happy because education quality rate has climbed over 30 percent.
d) could be happy concerning students access to secondary school and completion of the course.
e) should be very concerned with the poor rate of access to secondary school.
Questo 99: CESGRANRIO - Tec Adm (BNDES)/BNDES/2013
Better Education Quality Needed
Formal education and skills arent connecting in Latin America.
By Gabriel Sanchez Zinny
Education advocates in Latin America have long pushed for expanded access for all students. Indeed,
access has improved, with secondary school completion rates climbing from 30 to 50 percent over the
past two decades. However, there is a growing realization that greater access alone will do little good
without higher quality.
Business leaders, in particular, have argued that there is a profound disconnect between what schools
are teaching and what is actually required for a worker to succeed in a globalized, innovation-driven,
and knowledge-based modern economy. There are very talented people in the region. All they need is
a chance to develop, says Felipe Vergara, co-founder of Lumni, a company that invests in students
education in exchange for a fixed portion of the income they will go on to receive with their improved
career path.
At the same time that the private sector is beginning to take matters into its own hands, a new report
from a team of Inter-American Development Bank education researchers, led by Marina Bassi and Jaime
Vargas, has shed new light on the failures of Latin American education systems to prepare students for
the job market. Entitled Disconnected: Skills, Education and Employment in Latin America, the report
uses surveys of both students and employers across the region to understand why and how this gap in
skills is occurring.

Focus Concursos Online


The results are surprising. While access has increased, in two other critical areas - quality and relevance there has been little to no progress, leaving students unprepared for the demands of the modern
workplace. The employers surveyed all pointed to the importance of what are known as socioemotional skills, in contrast to traditional cognitive skills such as literacy and basic mathematics. Socioemotional skills relate to personality, and include punctuality, politeness, work ethics, responsibility,
empathy, and adaptability, and are especially critical for workers and managers in a globalized economy
defined by its unpredictability and dynamism.
While high costs are certainly playing a role, it is clear that addressing the skills gap in Latin America will
require a multifaceted approach. As the authors of Disconnected argue, schools must find ways to
become more engaged with the productive economy that surrounds them, and improve their ability to
instill and evaluate the type of skills that the private sector is looking for. This effort should go beyond
increasing the access and completion of secondary school. It should involve more research, better
teacher recruitment and evaluation, and incentives for developing socioemotional skills.
Companies have a strong role to play, and some of them are just not giving up. As Juan Iramain, Vice
President of Public Affairs and Communications in Coca Colas South Latin region, puts it, at the CocaCola Company we understand that in order to catch up with the necessary level of sustainability of the
globalized world, our business should rely on the sustainability of the communities in which we operate.
For some time now, therefore, we have been dealing with specialized NGOs to strengthen the work of
parents and school. The aim is not only for students to complete the school year, but also that they
incorporate the curiosity and lifelong learning capabilities needed to work in the labor market of the
21st century. We just cant put up with a school program that cannot prepare youngsters for a better
society.
But above all, as the authors Marina Bassi and Jaime Vargas have argued, we must continue this
dialogue between governments and the private sector so that education reform can lead to increased
opportunity and economic development across the region.
Available at: <http://www.latinbusinesschronicle.com/app/article.aspx?id=5623>. Retrieved on: 20 May
2012. Adapted.
The failures of Latin American education systems have been pointed out by
a) students
b) the job market
c) the private sector business
d) a team of education researchers
e) business leaders such as Marina Bassi and Jaime Vargas

Questo 100: CESGRANRIO - Tec Adm (BNDES)/BNDES/2013


Better Education Quality Needed
Formal education and skills arent connecting in Latin America.
By Gabriel Sanchez Zinny
Education advocates in Latin America have long pushed for expanded access for all students. Indeed,
access has improved, with secondary school completion rates climbing from 30 to 50 percent over the

Focus Concursos Online


past two decades. However, there is a growing realization that greater access alone will do little good
without higher quality.
Business leaders, in particular, have argued that there is a profound disconnect between what schools
are teaching and what is actually required for a worker to succeed in a globalized, innovation-driven,
and knowledge-based modern economy. There are very talented people in the region. All they need is
a chance to develop, says Felipe Vergara, co-founder of Lumni, a company that invests in students
education in exchange for a fixed portion of the income they will go on to receive with their improved
career path.
At the same time that the private sector is beginning to take matters into its own hands, a new report
from a team of Inter-American Development Bank education researchers, led by Marina Bassi and Jaime
Vargas, has shed new light on the failures of Latin American education systems to prepare students for
the job market. Entitled Disconnected: Skills, Education and Employment in Latin America, the report
uses surveys of both students and employers across the region to understand why and how this gap in
skills is occurring.
The results are surprising. While access has increased, in two other critical areas - quality and relevance there has been little to no progress, leaving students unprepared for the demands of the modern
workplace. The employers surveyed all pointed to the importance of what are known as socioemotional skills, in contrast to traditional cognitive skills such as literacy and basic mathematics. Socioemotional skills relate to personality, and include punctuality, politeness, work ethics, responsibility,
empathy, and adaptability, and are especially critical for workers and managers in a globalized economy
defined by its unpredictability and dynamism.
While high costs are certainly playing a role, it is clear that addressing the skills gap in Latin America will
require a multifaceted approach. As the authors of Disconnected argue, schools must find ways to
become more engaged with the productive economy that surrounds them, and improve their ability to
instill and evaluate the type of skills that the private sector is looking for. This effort should go beyond
increasing the access and completion of secondary school. It should involve more research, better
teacher recruitment and evaluation, and incentives for developing socioemotional skills.
Companies have a strong role to play, and some of them are just not giving up. As Juan Iramain, Vice
President of Public Affairs and Communications in Coca Colas South Latin region, puts it, at the CocaCola Company we understand that in order to catch up with the necessary level of sustainability of the
globalized world, our business should rely on the sustainability of the communities in which we operate.
For some time now, therefore, we have been dealing with specialized NGOs to strengthen the work of
parents and school. The aim is not only for students to complete the school year, but also that they
incorporate the curiosity and lifelong learning capabilities needed to work in the labor market of the
21st century. We just cant put up with a school program that cannot prepare youngsters for a better
society.
But above all, as the authors Marina Bassi and Jaime Vargas have argued, we must continue this
dialogue between governments and the private sector so that education reform can lead to increased
opportunity and economic development across the region.
Available at: <http://www.latinbusinesschronicle.com/app/article.aspx?id=5623>. Retrieved on: 20 May
2012. Adapted.
An example of socio-emotional skill is

Focus Concursos Online


a) work ethics
b) intelligence
c) basic math knowledge
d) general culture knowledge
e) reading and writing abilities

Gabarito:
1) C
2) B
14) B
27) B
40) E
53) A
66) B
79) C
93) D

3) C
15) A
28) E
41) B
54) D
67) C
80) E
94) E

4) D
16) C
29) D
42) D
55) B
68) B
81) B
95) E

5) B
17) E
30) E
43) A
56) D
69) B
82) C
96) D

6) A 7) B 8) B
18) C 19) D 20) A
31) C 32) B 33) C
44) B 45) A 46) C
57) A 58) B 59) A
70) D 71) A 72) E
83) C 84) A 85) E
97) D 98) D 99) D

9) D
21) E
34) E
47) C
60) C
73) D
86) B
100) A

10) B
22) C
35) A
48) E
61) A
74) A
87) B

11) Anulada
23) A 24) E
36) A 37) D
49) D 50) C
62) C 63) E
75) E 76) E
88) B 89) D

12) D
25) B
38) B
51) E
64) B
77)D
90) A

13)D
26)D
39)C
52)B
65)C
78)A
91) C 92)B

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