Digitalization,     1     is a main characteristic of the twenty first century, represents a transformation of society to a widespread use of digital technologies in various     2     (area) of life.

However, experts noted that too much social media use is known to have a negative influence     3     mental health. So they started a study to investigate how to improve mental health in this time of rapid digitalization.

The results of the study     4     (lead) by Dr. Julia Brailovskaia of the Mental Health Research and Treatment Center clearly showed that individuals who cut their social media use by 30 minutes a day     5     used this time for physical activity could     6     (significant) improve their mental health.

Participants who replaced 30 minutes of social media with exercise every day for two weeks     7     (have) powerful results. They reported feeling happier, more satisfied, less stressed and less depressed. The positive effects lasted for at least six months after the study had ended.

“This shows us how vital it is     8     (reduce) our availability online from time to time and to go back to our human roots,” said Dr. Brailovskaia. “These measures can be easily applied to people’s     9     (day) lives and they’re completely free and, at     10     same time, they help us to stay happy and healthy in the digital age.”

How many credit cards do you have in your wallet? Are you     1     (concern) about getting into debt? Many Americans carry four or five credit cards, but others have more than ten     2     (incredible). Is it a good idea to have so many credit cards?

Some people almost never pay cash. For them, it’s much     3     (convenient) to use a credit card. They use credit cards for everything — food, clothes, gas, and rent. However, when the bills arrive, those     4     have too many cards sometimes can’t afford the minimum payments.

It’s not uncommon to have store credit cards. Some stores usually offer a 10-15 percent discount when you use their credit card. They also offer     5     discounts. But be careful. The interest rates (利率) on these cards can be very high. It’s a good idea to use a store credit card at your favorite store if you shop there frequently. But you should pay off the account balance immediately. That way, you won’t pay any interest.

Financial (财务的)     6     (expert) say that it’s a good idea to have     7     least two cards. Use one card for everyday living expenses, and keep     8     other one for emergencies (紧急情况). They suggest     9     (choose) credit cards with low interest rates, keeping your account balance low, always managing     10     (pay) more than just the minimum payments, and having no more than six cards.