It was not until the subprime loan crisis(次贷危机)had caused great damage to the American financial system ________ Americans realized the severity(严重性)of the situation．

which

that

what

when

Used to ________ all kinds of cars in various weather, Tom’s brother is indeed an experienced driver．

drive

driving

drove

driven

Of the two brothers, Bill is ________ younger one, and he is a quiet boy, ________ that most adults like very much．

the; one

a; the one

a; one

the; the one

________ he was ill, I was expected to take his place greatly surprised me for I didn’t have much work experience．

If

If that

That

That if

The place ________ the bridge is supposed to be built should be ________ the cross-river traffic is the heaviest．

which; where

at which; which

at which; where

which; in which

It was at the very beginning ________ Mr．Fox made the decision ________ we should send more firefighters here．

when, which

when, that

then, so

that, that

________ will take part in the physics contest will be announced at tomorrow’s meeting．

Whoever

Who

No matter who

That

Mr．Green stood up in defense of a 16-year-old boy, saying that he was not the one ________．

blamed

blaming

to blame

to be blame

________ doesn’t matter much whether you’ll be late to my party．I just want you to attend it．

What

That

It

Which

Commercial banks make most of their income from interest ________ on loans and investment in stocks and bonds．

earn

earned

to earn

was earned