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Q3522161 Inglês
There are several theories regarding how humans acquire language, each with different perspectives on the role of innate biological mechanisms and social interaction. For example, the nativist theory suggests that language acquisition is an inborn ability, while the interactionist theory emphasizes the importance of social interaction in learning a language. How does the interactionist theory explain language acquisition?
Alternativas
Q3522160 Inglês
O texto seguinte servirá de base para responder à questão.

Does Gen Z Already Have a Retirement Problem?

By Elizabeth Gulino

Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.

According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.

A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.

Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.

The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.

Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.

Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.

"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.

Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.

Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.

"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."

The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."

Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.

Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."

Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."

Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."

Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."

Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.

https://www.popsugar.com/money/gen-z-retirement-49425345
The article features the perspectives of different individuals regarding retirement savings. These individuals express their views based on their own life situations and financial understanding. What best describes the relationship between the speakers' views and their personal experiences, as conveyed in the article? 
Alternativas
Q3522159 Inglês
O texto seguinte servirá de base para responder à questão.

Does Gen Z Already Have a Retirement Problem?

By Elizabeth Gulino

Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.

According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.

A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.

Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.

The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.

Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.

Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.

"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.

Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.

Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.

"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."

The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."

Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.

Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."

Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."

Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."

Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."

Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.

https://www.popsugar.com/money/gen-z-retirement-49425345
In the sentence "The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k)," the word "path" refers to which of the following? 
Alternativas
Q3522158 Inglês
O texto seguinte servirá de base para responder à questão.

Does Gen Z Already Have a Retirement Problem?

By Elizabeth Gulino

Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.

According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.

A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.

Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.

The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.

Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.

Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.

"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.

Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.

Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.

"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."

The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."

Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.

Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."

Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."

Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."

Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."

Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.

https://www.popsugar.com/money/gen-z-retirement-49425345
In the article, the author discusses Gen Z's approach to work and career. One of the terms that has emerged to describe a specific behavior in the workplace is "quiet quitting". Based on the context provided in the article, how would you best define this term? 
Alternativas
Q3522157 Inglês
O texto seguinte servirá de base para responder à questão.

Does Gen Z Already Have a Retirement Problem?

By Elizabeth Gulino

Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.

According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.

A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.

Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.

The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.

Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.

Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.

"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.

Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.

Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.

"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."

The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."

Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.

Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."

Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."

Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."

Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."

Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.

https://www.popsugar.com/money/gen-z-retirement-49425345
In the sentence "According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement," the verb tense "are saving" is used. What is the function of this tense in the context of the sentence?
Alternativas
Q3522156 Inglês
O texto seguinte servirá de base para responder à questão.

Does Gen Z Already Have a Retirement Problem?

By Elizabeth Gulino

Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.

According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.

A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.

Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.

The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.

Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.

Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.

"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.

Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.

Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.

"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."

The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."

Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.

Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."

Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."

Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."

Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."

Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.

https://www.popsugar.com/money/gen-z-retirement-49425345
In the article, a study conducted by Bank of America is mentioned to underline the financial situation of Gen Z. The study serves a specific role in supporting the argument of the article. What is the main purpose of the Bank of America study as discussed in the text?
Alternativas
Q3522155 Inglês
O texto seguinte servirá de base para responder à questão.

Does Gen Z Already Have a Retirement Problem?

By Elizabeth Gulino

Although they've only been in the professional sphere for less than a decade, Gen Z has already shaken up work as we know it. They're quiet quitting, overcoming imposter syndrome, taking adult gap years, and fully embracing being the personality hire. But they're also, apparently, not saving enough for retirement.

According to the Teachers Insurance and Annuity Association, a financial services company, only 20 percent of Gen Zers are currently saving for retirement. Surya Kolluri, head of the TIAA Institute, says there are a myriad of reasons as to why Gen Z may be behind on starting to save for this milestone: The cost of living is higher, financial pressures are abundant, student debt is climbing, and there's been more of a desire to achieve a healthy work-life balance and flexibility in careers instead of a six-figure salary. And of the 80 percent of respondents who haven't started saving, 35 percent of them admit they don't even know where to start.

A recent Bank of America study provided further confirmation: based on internal deposit account data, the banking institution found that Gen Z on average doesn't have enough saved to cover a month of expenses.

Kolluri says one of the biggest roadblocks in Gen Z's path to retirement is a lack of knowledge. Saving, investing, and the power of compounding aren't exactly taught in schools, and there are enough fin-fluencers and resources out there to make even the most dialed-in Gen Zers feel overwhelmed.

The most common — and easiest — path toward retirement is taking advantage of an employer's 401(k). Lauren, 24, does, but while her current company matches 4 percent of her contributions, she tells PS her former employer didn't match at all. "I didn't even realize that that was such a benefit I was missing," she says. "When I would tell people that they weren't matching it they were like, what? How are they getting away with that? And I had no idea." Now, of course, Lauren is taking full advantage of her employer's plan — but she would've been more ahead in her saving game if she knew what to look for before.

Of the 20 percent of the Gen Zers surveyed currently saving for retirement, 66 percent of them do so through their employer, according to the TIAA. But thanks to dwindling job security and the rise of the gig economy, a chunk of the workforce has been left behind on retirement planning.

Angelina, 27, comes from a family of restaurateurs and is currently partial owner of a restaurant. Currently, she has zero retirement savings. Her dad, however, opened his first restaurant at 36 and was able to retire at 60. "He was able to start something and retire in less than 25 years, which I think gave me a false perception of reality," she says. "I think I'm going to be able to achieve the same thing, but I haven't saved a dime.

"I pay into social security, but that's not necessarily enough to survive on, if that even exists by the time that I'm able to collect it," Angelina adds.

Jane, 25, is at the opposite end of the spectrum: She's currently planning to retire in her 30s — at least, in a way. For most of her working life, she's held two full-time jobs and currently owns a townhouse in downtown Toronto that she rents out to tenants. She lives with her parents to save money and tells PS that 50 percent of her income goes to investments, including retirement.

Right now, she's using Financial Independence, Retire Early (FIRE) as a guide, which follows a formula of saving, investing, and frugal living to reach "financial independence" in a short time frame.

"It's a more flexible variation of retirement," Jane explains. "Retirement doesn't just take one form. There are a lot of different types of it. It's not never working — it's being work-optional, being flexible, being able to take really long breaks."

The first milestone under FIRE is called "barista fire," which Jane is currently working toward obtaining. "It gives you flexibility to be work-optional and gives you flexibility to have enough [saved] that you can be a barista, for example, or work part-time for the rest of your life so you're not dependent on a full 9-to-5 corporate job," she says. "My first FIRE milestone is hopefully saving $700,000. That would enable me to find alternative sources of income as opposed to a full 9-to-5."

Jane's not exactly the norm, however. Kolluri says that employers like Lauren's play a vital role in enabling their workers to get on a strong financial plan, meaning that freelancers or those who are self-employed, like Angelina, need to work that much harder to get themselves started. If you fall into that bucket, he says that looking into individual retirement accounts (IRAs) are a good place to start.

Haley Sacks, a financial influencer known as Mrs. Dow Jones, agrees that endless opportunities to buy and consume don't help very much when it comes to saving. "I think it's really hard when you're constantly bombarded with so much to buy and so much FOMO," she says. "It's very easy for people to spend everything that they make."

Jane, Lauren, and Angelina all cite similar reasons for their age group's lack of retirement funds: the rising cost of living, a shortage of knowledge, and endless opportunities to spend money under capitalism. "We live in a time where our FYPs and our Instagram feeds are perfectly tailored to things we want to purchase and overconsumption is so normalized," Angelina says. "I would say [Gen Z not saving] is more because of overconsumption and the need to shop that's ingrained in us versus not having things like a 401(k), or whatever the hell it's called."

Kolluri says education and instilling confidence among young people when it comes to their money is a must. Saving for retirement is vital — not only for living expenses to be covered with age, but medical expenses, too. "The average couple spends over $300,000 on healthcare in retirement in cash," Sacks says. "The funds that you're saving are not just to live in Boca and play golf all day they're also to take care of yourself as your health deteriorates."

Kolluri says that what's different about Gen Z is they value one thing above all else: freedom. "People in this demographic express interest in wanting to maintain the freedom to pursue their interests and being able to financially manage their lives," he says. "That is a new combination we have not seen in other generations."

Retirement is a long way off for Gen Zers. Angelina, though, is already looking forward to the future. "2025 is my year to get my shit together," she says.

https://www.popsugar.com/money/gen-z-retirement-49425345
The article presents a discussion about retirement savings among Gen Z, touching on various aspects of financial behavior and generational differences. Given its purpose, what genre best describes this article, considering its informative and reflective tone?
Alternativas
Q3522154 História e Geografia de Estados e Municípios
Associe corretamente os nomes na coluna 1 com às suas contribuições históricas para Jaborá-SC na coluna 2:
Coluna 1
1.Germano Poyer
2.Lauro Rupp
3.Flávio Barbisan
4.Ivo Silveira
Coluna 2
(__)Assinou a lei estadual que criou o município.
(__)Apresentou-se como primeiro engenheiro para o loteamento da vila.
(__)Instalou a primeira serraria e construiu moinho e olaria.
(__)Atuou como médico e assinou a lei da Câmara Municipal. 
Alternativas
Q3522146 Ciências
A unidade temática Matéria e energia da Base Nacional Comum Curricular (BNCC) contempla o estudo de materiais e suas transformações, fontes e tipos de energia utilizados na vida em geral, na perspectiva de construir conhecimento sobre a natureza da matéria e os diferentes usos da energia.
Diante dessa temática, outras aptidões relacionadas ao ensino dessa unidade para os anos finais de Ciências estão descritas abaixo, EXCETO:
Alternativas
Q3522145 Ciências
A energia solar é uma das fontes de energia mais promissoras para que se enfrente os desafios do novo milênio. Ela tem muitas vantagens em relação às demais fontes energéticas, pois o Sol diariamente trabalha como um imenso reator à fusão, irradiando na terra todos os dias um potencial energético extremamente elevado e incomparável a qualquer outro sistema de energia. Sobre esse tipo de energia, julgue os itens a seguir como Verdadeiros (V) ou Falsos (F):
(__)É abundante, permanente e renovável.
(__)É a fonte básica e indispensável para praticamente todas as fontes energéticas utilizadas pelo homem.
(__)Influencia negativamente nos aspectos relacionados ao efeito estufa.
Assinale a alternativa com a sequência CORRETA de cima para baixo. 
Alternativas
Q3522144 Biologia
As técnicas de destinação final dos resíduos podem ser consideradas como: tratamento, reciclagem e disposição. Identifique a alternativa que contenha apenas a forma de destinação final do tipo tratamento.
Assinale a opção CORRETA.
Alternativas
Q3522143 Direito Ambiental
A Política Nacional de Educação Ambiental envolve em sua esfera de ação, além dos órgãos e entidades integrantes do Sistema Nacional de Meio Ambiente (Sisnama), instituições educacionais públicas e privadas dos sistemas de ensino, os órgãos públicos da União, dos Estados, do Distrito Federal e dos Municípios, e organizações não-governamentais com atuação em educação ambiental.
Fonte: Lei n° 9.795/1999.
Sobre a Educação Ambiental, julgue os itens a seguir como Verdadeiros (V) ou Falsos (F):
(__)Os programas de assistência técnica e financeira relativos a meio ambiente e educação, em níveis federal, estadual e municipal, devem alocar recursos às ações de educação ambiental.
(__)A campanha que tem como objetivo desenvolver o entendimento da população acerca da importância da conservação dos ecossistemas naturais e de todos os seres vivos e do controle da poluição e da degradação dos recursos naturais, para as presentes e futuras gerações é denominada Maio Amarelo.
(__)O ecoturismo faz parte da educação ambiental não-formal.
Assinale a alternativa com a sequência CORRETA de cima para baixo. 
Alternativas
Q3522142 Ciências
Eletrização é o movimento de elétrons de um corpo para outro. No caso de um corpo neutro, onde o número de elétrons é igual ao número de prótons, ceder elétrons, ele ficará com a carga elétrica (I) e quando esse átomo neutro receber elétrons, ele fica com a carga elétrica (II).
Assinale a alternativa que substitui corretamente os itens I e II.
Alternativas
Q3522141 Biologia
A Ecologia de Ecossistemas relaciona-se à reciclagem de matéria e ao fluxo de energia num ecossistema a ela associado, onde proporcionam a base para a caracterização da estrutura e função do sistema. Sobre a energia e os nutrientes, julgue os itens a seguir:
I.Da mesma forma como a energia, os nutrientes também entram e são perdidos ao longo da cadeia trófica.
II.Os nutrientes são regenerados e retidos dentro do sistema.
III.A energia entra no sistema como luz e sai como calor.
É CORRETO o que se afirma em:
Alternativas
Q3522140 Ciências
Foi montado um experimento em laboratório de Ciências de um circuito elétrico básico com uma pilha, uma lâmpada e um interruptor, além de eletrodos mergulhados numa solução de ácido acético (I) e de açúcar (II). Qual será o resultado dos experimentos I e II em relação à lâmpada? Assinale a alternativa CORRETA.
Alternativas
Q3522139 Biologia
Endemia é uma enfermidade, geralmente infecciosa, que predomina em algum país ou região por influência de causa local. São consideradas doenças endêmicas:
I.Filariose.
II.Bócio.
III.Esquistossomose.
É CORRETO o que se afirma em:
Alternativas
Q3522138 Biologia
O gás oxigênio é levado para as células e, nelas, ocorre a reação com os nutrientes dos alimentos absorvidos durante o processo de digestão, fornecendo energia para as atividades celulares, no processo denominado de:
Alternativas
Q3522137 Biologia
Os vírus são organismos acelulares, dessa forma, sua estrutura não corresponde à de uma célula. Logo, eles são formados por um ácido nucléico envolto por uma cápsula proteica. Além disso, são considerados parasitas intracelulares obrigatórios. Sobre os vírus, assinale a alternativa CORRETA. 
Alternativas
Q3522136 Pedagogia

O texto seguinte servirá de base para responder à questão.

Os Temas Transversais são um conjunto de assuntos apresentados pelos Parâmetros Curriculares Nacionais (PCN), considerados urgentes e necessários ao exercício da cidadania e que devem ser incorporados às áreas convencionais do currículo (Língua Portuguesa, Matemática, Ciências Naturais, História, Geografia, Arte e Educação Física), ocupando "o mesmo lugar de importância" que elas possuem. O adjetivo "transversais" indica a metodologia a ser adotada no seu tratamento didático: "pretende-se que esses temas integrem as áreas convencionais de forma a estarem presentes em todas elas, relacionando-as às questões da atualidade".


Brasil, 1997 apud SILVEIRA, Renê José Trentin. Ética como tema transversal. Revista Brasileira de Estudos Pedagógicos, v. 90, n. 226, 2009.

Sobre o tema transversal Ética, julgue os excertos a seguir:
Excerto I. A ética configura-se como pensamento ou reflexão sobre os valores e as normas que norteiam as condutas dos homens na sociedade.
Excerto II.No contexto da ética, a capacidade de decidir com autonomia em face de dilemas morais precisa ser aprendida, e a escola, como instituição da sociedade, não tem papel decisivo nesse aprendizado.
Fonte: SILVEIRA, Renê José Trentin. Ética como tema transversal. Revista Brasileira de Estudos Pedagógicos, v. 90, n. 226, 2009.
Sobre os excertos, assinale a alternativa CORRETA.
Alternativas
Q3522135 Biologia

O texto seguinte servirá de base para responder à questão.

Os Temas Transversais são um conjunto de assuntos apresentados pelos Parâmetros Curriculares Nacionais (PCN), considerados urgentes e necessários ao exercício da cidadania e que devem ser incorporados às áreas convencionais do currículo (Língua Portuguesa, Matemática, Ciências Naturais, História, Geografia, Arte e Educação Física), ocupando "o mesmo lugar de importância" que elas possuem. O adjetivo "transversais" indica a metodologia a ser adotada no seu tratamento didático: "pretende-se que esses temas integrem as áreas convencionais de forma a estarem presentes em todas elas, relacionando-as às questões da atualidade".


Brasil, 1997 apud SILVEIRA, Renê José Trentin. Ética como tema transversal. Revista Brasileira de Estudos Pedagógicos, v. 90, n. 226, 2009.

O meio ambiente tem sido utilizado para indicar um "espaço" (com seus componentes bióticos e abióticos e suas interações) em que um ser vive e se desenvolve, trocando energia e interagindo com ele, sendo transformado e transformando-o. Logo, sobre o meio ambiente, correlacione os termos das colunas que são ligados a ele.
Coluna I
1.Preservação.
2.Degradação.
3.Recuperação.
Coluna II
a.É o ato de recobrar o perdido, de adquiri-lo novamente. Esse termo é aplicado a uma área degradada pressupõe que nela se restabeleçam as características do ambiente original.
b.Consiste em alterações e desequilíbrios provocados no meio ambiente que prejudicam os seres vivos ou impedem os processos vitais ali existentes antes dessas alterações.
c.É a ação de proteger contra a destruição e qualquer forma de dano ou degradação de um ecossistema, uma área geográfica ou espécies animais e vegetais ameaçadas de extinção, adotando-se as medidas preventivas legalmente necessárias e as medidas de vigilância adequadas.
Fonte: Brasil. Secretaria de Educação Fundamental. Parâmetros curriculares nacionais: meio ambiente, saúde / Secretaria de Educação Fundamental. Brasília, 1997.
Correlacione as colunas I e II, e assinale a alternativa CORRETA.
Alternativas
Respostas
121: D
122: C
123: E
124: B
125: B
126: D
127: E
128: B
129: B
130: E
131: B
132: D
133: C
134: D
135: A
136: B
137: B
138: C
139: E
140: D