1. Choose the option that is a complete thought.
   1. You can open a money market account with a high interest rate.
   2. A money market account with a high interest rate.
2. Choose the option that is a complete thought.
   1. The staff at Peoples Bank in your neighborhood.
   2. The staff at Peoples Bank in your neighborhood is ready to serve you.
3. Choose the option that is a complete thought.
   1. Online banking account to consider.
   2. Have you considered an online banking account?
4. Choose the option that is a complete thought.
   1. Increasing interest rates attracting more investors to open CD accounts.
   2. As interest rates increase, more investors are opening CD accounts.
5. Choose the option that is a complete thought.
   1. The bank announced Saturday and Sunday hours.
   2. The bank's Saturday and Sunday hours.
6. Choose the sentence that has correct capitalization.
   1. Provident Mutual, an american bank will open offices in europe and asia.
   2. Provident Mutual, an American bank, will open offices in Europe and Asia.
7. Choose the sentence that has correct capitalization.
   1. Bank accounts are insured by the FDIC to a maximum of $100,000.
   2. bank accounts are insured by the fdic to a maximum of $100,000.
8. Choose the sentence that has correct capitalization.
   1. Our local newspaper, The Daily Record, will publish a weekly column entitled "Personal Planning."
   2. Our local newspaper, the daily record, will publish a weekly column entitled "Personal planning."
9. Choose the sentence that has correct capitalization.
   1. The mortgage company located in Orlando will open a branch in New Orleans.
   2. The Mortgage Company located in orlando will open a branch in new orleans.
10. Choose the sentence that has correct capitalization.
    1. I am visiting the Kennedy Center for the Performing Arts in Washington, D.C.
    2. I am visiting the Kennedy center for the performing arts in Washington, d.c.
11. Choose the sentence that has the correct subject-verb agreement.
    1. The company plan to decrease its medical coverage to the employees.
    2. The company plans to decrease its medical coverage to the employees.
12. Choose the sentence that has the correct subject-verb agreement.
    1. Alan and I have accepted the settlement on our accident claim.
    2. Alan and I has accepted the settlement on our accident claim.
13. Choose the sentence that has the correct subject-verb agreement.
    1. Since you moved to a coastal town, you are no longer eligible for hurricane insurance.
    2. Since you moved to a coastal town, you is no longer eligible for hurricane insurance.
14. Choose the sentence that has the correct subject-verb agreement.
    1. The negotiating team has presented management with a comprehensive health plan.
    2. The negotiating team have presented management with a comprehensive health plan.
15. Choose the sentence that has the correct subject-verb agreement.
    1. The insurance industry offers many career opportunities.
    2. The insurance industry offer many career opportunities.
16. Choose the sentence that has the correct subject-verb agreement.
    1. The employees and management has agreed on a group life insurance plan.
    2. The employees and management have agreed on a group life insurance plan.
17. Choose the sentence that has the correct subject-verb agreement.
    1. The umbrella clause in a policy protect you against catastrophic financial losses.
    2. The umbrella clause in a policy protects you against catastrophic financial losses.
18. Choose the sentence that has the correct subject-verb agreement.
    1. The homeowner's insurance policy require a $500 deductible.
    2. The homeowner's insurance policy requires a $500 deductible.
19. Choose the sentence that has the correct subject-verb agreement.
    1. The flood damages is not covered in the insurance policy.
    2. The flood damages are not covered in the insurance policy.

1. Rewrite each of the sentences. These sentences may have verb tense, spelling, punctuation, or grammar errors. Change the verb tense as indicated in the parentheses.
2. During the passed year, many individuals subscribe to satellite radio. (past)
3. The computer company's sales increased in the european market. (present perfect)
   1. The company announced that it's electronic games sales will be in access of one million dollars. (future)
4. Change the verb form to the tense indicated in parentheses.
   1. The Internet change mass communications. (present perfect)
   2. Last year employment increase in the telecommunications field. (past)
   3. The new feature on my phone include text imaging. (present)
5. Rewrite each of the sentences. These sentences may have spelling, punctuation, or grammar errors.
   1. In the passed few months, there was controversy over the sight of the new park.
   2. In september our office will relocate to st. louis, and that may force some employees to retire.
   3. The broker will advice the perspective buyer to sign the contract, and set a closing date for the sale of the house.
   4. The plan for rebuilding the downtown area was approved but the funding is not available until next year.
   5. The home improvement business is a major industry and it is projected to grow over the next ten years.

1. Choose the sentence with the correct punctuation.
   1. The new mall was well received by the community, but there were concerns about increased traffic.
   2. The new mall was well received by the community but there were concerns about increased traffic.
2. Choose the sentence with the correct punctuation.
   1. The real estate appraiser visited the property, and estimated its value.
   2. The real estate appraiser visited the property and estimated its value.
3. Choose the sentence with the correct punctuation.
   1. Mortgage rates have been low and that is good news for home buyers.
   2. Mortgage rates have been low, and that is good news for home buyers.
4. Choose the sentence with the correct punctuation.
   1. The blueprint for the new office building has been submitted to the planning board, yet approval for the project may take a few months.
   2. The blueprint for the new office building has been submitted to the planning board; yet approval for the project may take a few months.
5. Choose the sentence with the correct punctuation.
   1. The report outlined safety hazards that existed on the site, and the measures needed to correct the problems.
   2. The report outlined safety hazards that existed on the site and the measures needed to correct the problems.
6. Rewrite each of the sentences. These sentences may have grammar, punctuation, or word usage errors.
   1. the holiday crafts fair is always held during the first weekend in december, it is an great place to find unique attractive gifts.
   2. You realize I am sure that a firm's Web page present company history, product information and employment opportunities.
   3. The upscale suburban mall has many trendy chic boutique.
   4. As you know its often a good idea to check the internet for retail job openings.

1. Rewrite each of the sentences. These sentences may have grammar, punctuation, verb tense, subject-verb agreement, or word usage errors.
   1. The boss'opinion will effect the firms marketing strategy.
   2. Does the committee report include a summary of Mr. Lewis study on the changing buying habits of americans?
   3. A company web site provides product information to potential customer, therefore firms are spending more money to create attractive web page designs.
   4. Dont you think that we should review Gary and Howards report on the firms overseas marketing campaign before making any further commitment.
2. Choose the sentence that is written correctly.
   1. Kristen and Sara's boutique carries trendy clothing.
   2. Kristen's and Sara's boutique carries trendy clothing.
3. Choose the sentence that is written correctly.
   1. I understand that the iPod was not yours.
   2. I understand that the iPod was not your's.
4. Choose the sentence that is written correctly.
   1. The company's rebate program is being discontinued.
   2. The companys rebate program is being discontinued.
5. Rewrite each of the sentences using direct speech that includes quotations.
   1. The mayor announced that the new energy-efficiency standards will benefit the residents of our community.
   2. Our county legislator asked how could the proposed budget be cut by 10 percent.
   3. The speaker said that we need to focus on an environmentally sensitive world.
   4. My friend asked did you read the newspaper article on government spending.
6. Choose the sentence that is written correctly.
   1. During the summer, the temperature in the newly renovated offices was often in the mid-80s.
   2. During the summer, the temperature in the newly-renovated offices was often in the mid 80's.