, credit derivatives and transfer prices) and the English equivalents of the basic concepts. …

language has become a key skill with important economic benefits for individuals and economies. However, the relevance of … participation in a globalised world. Therefore, learning a foreign language can act as a powerful tool to increase intercultural … these benefits, many countries are placing increased emphasis on foreign language teaching. …

. Among adults with low proficiency in literacy, those who took the survey in a language different from their mother tongue …