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In the section of paragraph 3 “These four key characteristics highlight why grocery data is so insightful for credit scoring people with no credit history”, the term key can be substituted, with no change in meaning, by
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In the excerpt of Text II, paragraph 4, “translanguaging also lends itself to de-encapsulation”, the expression lends itself to can be replaced, with no change in meaning by
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An idiom is an expression whose meaning cannot be understood simply by looking at its individual words.


Considering the excerpt from Text I, paragraph 1, “As governments and legislators struggle to get their heads around the implications of this powerful technology”, the correct meaning of the idiomatic phrase get their heads around in the context of the article is

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During English class, a Brazilian student is reading the first paragraph of Text I. She stops and tells the teacher, “I’m confused. The text says governments want to ‘work out’ how to ‘bring in’ regulations. I know ‘work’ is a job and ‘out’ is the opposite of ‘in’, but it doesn’t make any sense.”


In that situation, the accurate response from the teacher is

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One of the processes of word formation in English that can be exemplified with Text I is the portmanteau, when blended words and meanings form a new lexical unit.


This is the case of