Dear Steve
Thank you for all your considerations as well as the care you have dedicated. And also for your help.
I'm really miss your class.
Many thanks

Grammar:

Today I studied mixed conditionals. http://www.englishpage.com/conditional/mixedconditional.html

Then I did the exercises.
2.a. Tom is not going to come to dinner tomorrow because you insulted him yesterday.2.b. But, he (come) would be coming if you (insult) had not insulted him.
3.a. Marie is unhappy because she gave up her career when she got married. 3.b. But, Marie (be) would be happy if she (give, not) had not given up her career when she got married.
4.a. Dr. Mercer decided not to accept the research grant at Harvard because he is going to take six months off to spend more time with his family. 4.b. But, Dr. Mercer (accept) would have accepted the research grant at Harvard if he (take, not) were not going to take six months off to spend more time with his family.
5.a. Professor Schmitz talked so much about the Maasai tribe because she is an expert on African tribal groups. 5.b. But, Professor Schmitz (talk, not) would not have talked so much about the Maasai tribe if she (be, not) were not an expert on African tribal groups.
6.a. I am unemployed because I had a disagreement with my boss and I was fired. 6.b. But, I (be, not) would not be unemployed if I (have, not) had not had a disagreement with my boss and I (be, not) had not been fired.
7.a. Nicole speaks Chinese fluently because she lived in China for ten years. 7.b. But, Nicole (speak, not) would not speak Chinese fluently if she (live, not) had not lived in China for ten years.
8.a. I will not help you study for your test because you have spent the last two weeks partying and wasting time. 8.b. But, I (help) would help you study for your test if you (spend, not) had not spent the last two weeks partying and wasting time.
9.a. Eleanor and Ben are not going skiing with us this year because Eleanor just had a baby. 9.b. But, Eleanor and Ben (go) would be going skiing with us this year if Eleanor (have, not, just) had not just had a baby.
10.a. I am completely exhausted, so I will not go with you to the movies tonight. 10.b. But, if I (be, not) were not completely exhausted, I (go) would go with you to the movies tonight.
11.a. She is not worried about the conference tomorrow because she is not giving a speech. 11.b. But, she (be) would be worried about the conference tomorrow if she (give) were giving a speech. 12.a. Frank is not going to the graduation ceremony because he broke his leg snowboarding last week. 12.b. But, Frank (go) would be going to the graduation ceremony if he (break) had not broken his leg snowboarding last week.
13.a. They are not releasing the prisoner next month because there was so much public opposition to his parole. 13.b. But, they (release) would be releasing the prisoner next month if there (be) had not been so much opposition to his parole.

LISTENING:


Today I went to web learn and I listened to a Lecture.
It was about the investment industry. This lecture is about modern finance in the 1230-1340 and shows how a dynamic market economy existed. The lecture argues about the importance of the wool and forward contracts. Dr Bell said to his lecture the political, economic and religious context of the time. Also he talked about trad undertaken by both religions and merchants.

Speaking:

Today I had a conversation class.We spoke about Globalisation, we talked about globalisation does effect us sometimes good and sometimes bad.then we listened a radio ,they spoke about trade shops the world.the title of Bernstein’s book is a splendid exchange .in this interview Bernstein makes two points about trade they are human nature and winners and losers .Bernstein about trade and social network say Europe is better off in net work from other countries also we talked about advantage and disadvantage trade shops the world,I think it’s good for economy and culture for rich country but for poor country it’s not good because they haven’t enough money .

LISTENING:

Today I listened to the BBC news. It was about “UK banking plan faces criticism”.
The government latest package is set of measures to encourage banks to lend individually businesses as credit remains scare or expensive to obtain.
Also banks can to take up government insurance against their expected bad debts.

Conversation club:

Today I had a conversation club .We talked about royal family in our country, if yes we like it or not. In my country we don’t have royal family. I think royal family it doesn’t have any role in politics so I don’t care about it. Then we spoke about the British royal family. It was about racist common of Prince Harry, that when he was young he said to his friend to army “our little Paki friend”. Next we talked about what people were reactions Harry’s comment.
In my opinion he said this sentence just for fun and he must be careful.

Steve's lecture :

Most economists would agree that due to the credit crunch, global markets are facing potential collapse (Stiglitz, 2008; Monbiot, 2007).
As we know, our current recession began in the USA where banks got into the habit of granting mortgages to lenders unable to pay them back. This created a liquidity crisis in the country which banks and government were unable to resolve, and soon these economic difficulties spread to the rest of the world (BBC News, 2008).
Some people consider that nowadays the economic does not good so the global reactions of economic crises are more profound than before, specially for developing countries. For example banks loan money to people but they couldn’t pay it.
This essay will try to explain the main reasons for why the globalisation of the word's financial market has contributed considerably to the countries and also full up with many crises.