Tom told us all that          he said so at the meeting was really true．

The businessman is very modest about his success. He says it’s _____ the result of good luck as of his own diligence.

They are determined to work out the task,____difficult it is.

Two professors at Harvard University published a study of 3,300 new graduates, looking at ______ their names had any bearing on their academic performance.

A housing bubble is an economic situation _____ occurs when house prices rise much too fast.