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Read the text below in order to answer questions 15 to 17.

According to the text, in urban areas,

TEXT I

Brazil's Northeast is attracting the most interest on part of national and international investors because it is undoubtedly one of the region's that has shown the greatest potential when it comes to development of new businesses. Over the last few years, a greater and greater number of investors have turned to the Northeast. This has been reflected in the region's growth rate. From 1990 to 1999, for example, the Northeast's gross domestic product (GDP) expanded 3.1%, compared to the national average of 2.51%. Business groups from the most diverse sectors have been quick to set up office in the region with plans for expansion.

Adapted from: http://www.brazilnow.com/arquivos/bn20/coverstory.html

Answer questions 016 to 021 according to TEXT I.

Mark the option that contains the correct statement about Brazil's Northeast.

Read the text below in order to answer questions 22 to 24.

Insurance Fraud

Those who commit insurance fraud are not easily identifiable. The National Insurance Crime Bureau (NICB) says that insurance cheats range from organized criminals, to unscrupulous doctors, lawyers, vehicle body shop owners, to ordinary people who buy insurance. Although the motivation to commit insurance fraud is always monetary, the amount also varies greatly, from a few extra dollars on an insurance claim, to thousands or more stolen by organized fraud rings.

The Insurance Information Institute estimates that property/casualty insurance fraud cost insurers $24 billion in 1999. According to Conning and Company, fraud cost the entire insurance industry $96.2 billion in 1999.

Fraud rings have followed the path of technology to the Internet in search of fraud opportunities. Along with the ease of electronic filing of medical claims is the greater potential for committing fraud. Conning's 2000 study found that 84 percent of respondents to its fraud survey agree that the use of the Internet will create new classes of insurance fraud.

Which of the following options is not mentioned in the text?

Read the text below in order to answer questions 22 to 24.

Insurance Fraud

Those who commit insurance fraud are not easily identifiable. The National Insurance Crime Bureau (NICB) says that insurance cheats range from organized criminals, to unscrupulous doctors, lawyers, vehicle body shop owners, to ordinary people who buy insurance. Although the motivation to commit insurance fraud is always monetary, the amount also varies greatly, from a few extra dollars on an insurance claim, to thousands or more stolen by organized fraud rings.

The Insurance Information Institute estimates that property/casualty insurance fraud cost insurers $24 billion in 1999. According to Conning and Company, fraud cost the entire insurance industry $96.2 billion in 1999.

Fraud rings have followed the path of technology to the Internet in search of fraud opportunities. Along with the ease of electronic filing of medical claims is the greater potential for committing fraud. Conning's 2000 study found that 84 percent of respondents to its fraud survey agree that the use of the Internet will create new classes of insurance fraud.

According to the text, insurance fraud

According to the text, COBOL

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