exercise 20 Work with a partner. You want to take out a loan at the local bank. Go and ask the following questions. You don’t have to change the tenses in this exercise.
1. I'd like to know what the term of this loan is.
2. Can you tell me what the interest rate is?
3. I'm wondering if/whether the rate is fixed or adjustable.
4. Do you happen to know when the interest rate can be adjusted?
5. I'd like to know how much my monthly payment will be.
6. Have you got any idea how the interest rate will be calculated?
7. I'm not sure if/whether the amount I owe is going to increase over time.
8. Tell me what the qualifications for the loan are.
9. I'd like to know why you recommend this loan to me.
10. I'm wondering if/whether there are other loans that also meet my needs.
11. I can't remember if/whether you said that I would have to make a decision soon.
12. I'm not sure if/whether the loan has to be paid back.

exercise 21 Work with a partner. You go for a job interview and report to your friend what you were asked. Remember to change the tenses as well.
1. First the interviewers asked me if/whether I could tell them a little about myself.
2. Then they wanted to know how I had heard about the vacancy.
3. They also asked me why I wanted that job. 
4. They were wondering why they should hire me.
5. I had to tell them what my greatest strengths are/were.
6. Then they needed to know what I consider/considered my weaknesses
7. They inquired where I saw myself in five years.
8. They wondered what my dream job is/was.
9. They asked me why I was leaving my current job.
10. They wondered how I had dealt with stressful situations in the past.
11. They wanted to know what I like/liked to do in my free time
12. They asked me if/whether I had any questions for them.