Choose the best answer.

1. If you have money you don’t really need, you ____ invest in the stock market or start a savings account, or maybe buy some real estate.

   1.   ?    must
   2.   ?    could
   3.   ?    had better

2. ______ you please give me a receipt?

   1.   ?    Should
   2.   ?    Have to
   3.   ?    Would

3. Instead of keeping a lot of cash at home, you ______ put your money in a savings account so you can earn interest.

   1.   ?    ought to
   2.   ?    don’t have to
   3.   ?    must

4. The customer _______ show identification before he can cash a check.

   1.   ?    must
   2.   ?    would
   3.   ?    ought to

5. You _______ study the annual report before you buy stock in that company.

   1.   ?    must not
      
      
   2.   ?    had better
   3.   ?    would

6. _______ I have your account number, please?

   1.   ?    Should
   2.   ?    Must
   3.   ?    May

7. _______ he get a higher rate of interest at another bank?

   1.   ?    Could
   2.   ?    May
   3.   ?    must

8. ______ you tell me what my balance is now?

   1.   ?    May
      
      
   2.   ?    Ought to
   3.   ?    Can

9. He ______ pay a bank fee because his payment was late.

   1.   ?    has to
      
   2.   ?    doesn’t have to
   3.   ?    must not

10. If you want to make money, you ______ buy low and sell high.

    1.   ?    would
    2.   ?    should
    3.   ?    must not