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Fed blames mismanagement and oversight failures for Silicon Valley Bank collapse

Video vocabulary

the

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US / ðə /

UK / ðə /

A1
  • article
  • Used to refer to something already mentioned
  • Used to show there is only one of something
  • determiner
  • Used to describe all of a family

be

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US / bɪ /

UK / bi /

A1
  • verb
  • Being

and

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US / ənd /

UK / ənd, ən,ænd /

A1
  • conjunction
  • Used to refer to two or more things
  • Plus; in addition; on top of that
  • Used to introduce an action that follows another

that

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US / ðæt /

UK / ðæt, ðət /

A1
  • adjecitve
  • The person or thing being talked about
  • Used to identify something both the speakers know
  • adverb
  • Used to reinforce adjectives and adverbs
  • To such a degree
  • conjunction
  • Used to connect a noun clause
  • Used to introduce an adverbial clause
  • Used to introduce a noun clause
  • determiner
  • Used as a noun to refer to something
  • pronoun
  • Referring an object far away
  • Used to refer to the relative pronoun ‘which’

have

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US / həv /

UK / hæv /

A1
  • verb
  • To drink, smoke, eat or use something
  • To experience the effects of something
  • To organize an event, or join in an activity
  • To own, possess, or hold something
  • To cause to happen or produce a particular effect

not

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US / nɒt /

UK / nɑt /

A1
  • adverb
  • Word indicating the negative
  • (Used to form the negative of verbs)

for

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US / fə(r) /

UK / fɔr,fə /

A1
  • preposition
  • Used to show the purpose, or need of something

you

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US / jʊ /

UK / ju /

A1
  • pronoun
  • Person someone is speaking or writing to
  • Person or people in general

this

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US / ðɪs /

UK / ðɪs /

A1
  • adjecitve
  • Used to indicate something already been discussed
  • Used to indicate something happening around now
  • adverb
  • An indication by a physical motion or gesture
  • A specific amount of
  • determiner
  • Person, thing, or idea near you
  • pronoun
  • Person, thing that has already been discussed

with

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US / wɪð /

UK / wɪð, wɪθ /

A1
  • preposition
  • As an employee of a certain company
  • Against something or someone
  • By using something as a means
  • Due to; because of
  • Including
  • Possessing as a feature
  • Related to
  • (Of the manner/attitude by which you do something)
  • Used to express that people or things are together

about

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US / ə'baʊt /

UK / əˈbaʊt /

A1
  • adverb
  • To be ready to; going to
  • Nearly; approximately; roughly
  • Near; next to; close to
  • In every direction; in the area of
  • preposition
  • Concerning or of (a topic)

get

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US / ɡet /

UK / ɡɛt /

A1
  • verb
  • To become affected by illness or disease
  • To begin to feel or understand an emotion or idea
  • To send or bring someone or something home, etc.
  • To go somewhere to obtain something
  • To (cause to) do a particular thing
  • To obtain, receive or be given something
  • To currently have
  • To prepare for use
  • To understand something being said or read

but

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US / bət /

UK / bʌt,bət /

A1
  • conjunction
  • Used before you say something different, opposite

can

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US / kæn /

UK / kən,kæn /

A1
  • noun
  • A metal container for storing food
  • other
  • Able to; have the skill to; have the time to
  • verb
  • To have permission to
  • To be possible to do
  • To preserve food by sealing it in a metal container

they

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US / ðeɪ /

UK / ðe /

A1
  • pronoun
  • Two or more people, animals, or things

what

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US / wɒt /

UK / hwɑt, hwʌt, wɔt, wʌt,hwət, wət /

A1
  • adjecitve
  • Used to refer to a particular amount, or number
  • Used to place emphasis on a particular quality
  • adverb
  • To a certain degree
  • determiner
  • Question words used for asking for information
  • exclamation
  • Used to express excitement, shock, or surprise
  • Used to ask people to repeat something they said
  • pronoun
  • Thing or things that; the same kind as
  • Used to emphasize something you are about to say

do

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US / du: /

UK / du /

A1
  • other
  • Question words for 'do' verbs
  • verb
  • To act; to perform actions
  • To be enough; to be acceptable
  • To have a certain effect on something or someone

like

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US / laɪk /

UK / laɪk /

A1
  • adjecitve
  • Being equal in status or kind to something else
  • Similar; the same
  • adverb
  • For example
  • preposition
  • Used as a filler; used to ad emphasis
  • In a way similar to the way something is done
  • Such as; for example
  • verb
  • To want to
  • To find something pleasing; to prefer something

will

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US / wɪl /

UK / wɪl /

A1
  • noun
  • Desire or choice of someone
  • Document saying who gets your money when you die
  • Strong desire to do something; determination
  • Desire to do something; strong wish to do
  • other
  • Used with verbs to express the future
  • verb
  • To leave property to someone after your death
  • To use mental effort to make something happen
  • Am (is, are) likely to do
  • To influence someone to do something
  • To make something happen by strongly wanting it

go

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US / ɡəʊ /

UK / ɡo /

A1
  • noun
  • A turn in a game
  • verb
  • To attend or be at a place
  • To do an activity
  • To function properly
  • To move or travel to another place

there

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US / ðɛə /

UK / ðɛr /

A1
  • adverb
  • Used to illustrate the existence of something
  • In a particular respect
  • In that place or position, at that location

out

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US / aʊt /

UK / aʊt /

A1
  • adverb
  • No longer stylish (e.g. fashion)
  • Away from home, business, or the usual place
  • In a direction/movement away from inside or center
  • noun
  • Act when a batter cannot continue playing
  • verb
  • To tell people a secret

from

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US / frəm /

UK / frʌm, frɑm,frəm /

A1
  • preposition
  • Starting at a particular place, time or level

see

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US / si: /

UK / si /

A1
  • verb
  • To go on a date with someone
  • To predict whether something is, or will be true
  • To understand what someone says
  • To use your eyes to look at something
  • To visit a place often for sightseeing or pleasure
  • To visit or meet with someone
  • To find out by waiting or looking
  • To watch (a game, movie or TV show)

make

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US / meɪk /

UK / mek /

A1
  • noun
  • Product made by a particular company; brand
  • verb
  • To arrange or prepare something e.g. dinner
  • To get to (a place) on time
  • To gain the status of (teacher, lawyer, etc.)
  • To create something by putting things together
  • To earn a certain amount of money at a job
  • To cause or force a person to do something
  • To cause something to happen or be formed

think

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US / θɪŋk /

UK / θɪŋk /

A1
  • verb
  • To have an idea about something without certainty
  • To have an idea, opinion or belief about something

time

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US / taɪm /

UK / taɪm /

A1
  • noun
  • Speed at which music is played; tempo
  • Point as shown on a clock, e.g. 3 p.m
  • Number of hours, minutes needed to do something
  • Occasion when something happens
  • Period or occasion that something occurred
  • Period in history or the past
  • Something measured in minutes, hours, days, etc.
  • How long an event takes; duration
  • verb
  • To check speed at which music is performed
  • To choose a specific moment to do something
  • To measure how long an event takes, e.g. a race
  • To schedule something to occur at a specific moment

come

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US / kʌm /

UK / kʌm /

A1
  • verb
  • To arrive at a place
  • (Of mail) to be delivered
  • To move toward someone; go with someone
  • To reach a certain point or state

want

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US / wɔnt /

UK / wɑnt, wɔnt /

A1
  • noun
  • Something you desire or wish for
  • State or condition of poverty
  • verb
  • To desire or wish for something; hope for a thing

more

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US / mɔ:(r) /

UK / mɔr, mor /

A1
  • adjecitve
  • In addition; extra
  • Greater in amount, number, or size
  • adverb
  • To a greater degree; in greater quantity
  • For a longer period of time
  • determiner
  • Additional quantity
  • pronoun
  • A greater or additional number

when

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US / wen /

UK / wɛn /

A1
  • adjecitve
  • Concerning or during the time something happens
  • adverb
  • Word you use to ask about the time, or day
  • conjunction
  • Although
  • In the event that; if
  • pronoun
  • Which time

would

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US / wʊd /

UK / wʊd /

A1
  • other
  • Used to indicate something imagined
  • Used to ask or request something politely
  • Verb used to indicate possibility, request etc.
  • Used to indicate a preference
  • Used to indicate a reaction
  • Indicates something that occurred repeatedly
  • Used to indicate willingness or ability to do

now

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US / naʊ /

UK / naʊ /

A1
  • adverb
  • At the present time or moment
  • Right away or in the next possible moment
  • Used to refer to something that just happened
  • Time between the present and a moment in the past
  • conjunction
  • Resulting from or because of something

some

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US / səm /

UK / sʌm /

A1
  • adjecitve
  • Remarkable; very good (or very bad) in a way
  • Concerning a certain unclear degree, quantity
  • determiner
  • Used to refer to an unspecified amount or number
  • pronoun
  • Number of persons, things in a group, but not all

because

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US / bɪ'kɒz /

UK / bɪˈkɔz, -ˈkʌz /

A1
  • conjunction
  • For a reason

take

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US / teɪk /

UK / tek /

A1
  • noun
  • Filming of a single scene for TV or the movies
  • verb
  • To accept something that is offered
  • To use a method of traveling, e.g. a bus or train
  • To use a camera to make (a photo)
  • To pick up something and go away with it
  • To study a subject in school
  • To attempt to pass (an exam)
  • To require a certain amount of time, money, space

here

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US / hɪə(r) /

UK / hɪr /

A1
  • adverb
  • In this place; at this location, position or time

look

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US / lʊk /

UK / lʊk /

A1
  • noun
  • Person's beauty or physical attractiveness
  • Particular style of dress, clothes, or appearance
  • The way someone, something appears to be
  • Act of searching for or examining something
  • verb
  • To appear to be; seem

say

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US / seɪ /

UK / se /

A1
  • noun
  • Power to decide or greatly influence something
  • verb
  • To indicate or give information using language
  • To use words to tell your message
  • To ask someone to give information to others

how

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US / haʊ /

UK / haʊ /

A1
  • adjecitve
  • To what degree? in what amount?
  • adverb
  • (Used to explain the way to do something)
  • exclamation
  • For what purpose or reason?
  • (Used to ask someone or something's condition)

really

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US / ˈri:əli /

UK / ˈriəˌli, ˈrili /

A1
  • adverb
  • Used to stress something that is said; definitely
  • In a true or accurate manner
  • Very

thing

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US / θɪŋ /

UK / θɪŋ /

A1
  • noun
  • (Used to introduce the reason for something)
  • Something you cannot remember the name of

way

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US / weɪ /

UK / we /

A1
  • adverb
  • Used to emphasize the amount of something
  • noun
  • Particular aspect of something being thought about
  • One of various choices that could be made
  • Particular existing condition or state
  • (Often long) distance or length of time
  • How something is done
  • Route to go to a place
  • Small street
  • Usual behavior, emotions or habits of someone

these

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US / ði:z /

UK / ðiz /

A1
  • determiner
  • People, things, or ideas near you
  • pronoun
  • The objects near the speaker

into

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US / 'ɪntə /

UK / ˈɪntu /

A1
  • preposition
  • Moving or going inside something
  • In the same direction as; in the direction of
  • So as to become; taking the state of

very

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US / 'verɪ /

UK / ˈvɛri /

A1
  • adjecitve
  • Concerning a large degree or amount
  • adverb
  • A lot; much; many
  • Used to stress or emphasize a noun

could

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US / kəd /

UK / kʊd /

A1
  • other
  • Past form of 'can' to mean have ability
  • Used to ask for something politely, or to offer

other

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US / 'ʌðə(r) /

UK / ˈʌðər /

A1
  • adjecitve
  • A thing different from that mentioned
  • determiner
  • (Something) else; not the first (one)
  • pronoun
  • Being the one and only thing of that category

over

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US / 'əʊvə(r) /

UK / ˈovɚ /

A1
  • adverb
  • Finished; no longer happening
  • Towards the ground/away from a standing position
  • noun
  • A set of six consecutive balls bowled in cricket
  • other
  • Finished
  • preposition
  • Showing the relation when a thing is above another
  • On or covering something
  • Above or across something
  • More than you need
  • From one side to the other
  • In the direction of; toward

much

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US / mʌtʃ /

UK / mʌtʃ /

A1
  • adjecitve
  • Very; to a high level or degree
  • adverb
  • A lot; large amount; a high degree of
  • Nearly; basically
  • On many occasions; often
  • noun
  • A large amount; a great quantity

actually

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US / ˈæktʃuəli /

UK / ˈæktʃuəli /

A1
  • adverb
  • Used to add new (often different) information

first

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US / fɜ:st /

UK / fɚst /

A1
  • adjecitve
  • 1st; Coming before all others in time or place
  • noun
  • Something that has not happened before
  • Position of the winner of a competition

who

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US / hu: /

UK / hu /

A1
  • pronoun
  • Which person
  • Used to introduce information about people

need

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US / ni:d /

UK / nid /

A1
  • noun
  • Thing you must have and cannot not have e.g. air
  • Thing you must have and cannot manage without
  • verb
  • To be unable to manage without something; require

down

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US / daʊn /

UK / daʊn /

A1
  • adjecitve
  • Being sad, sick, or unhappy
  • Not operating, working, or functioning as expected
  • adverb
  • In a sitting or lying position
  • Towards or on the ground, floor, or bottom
  • Written or copied onto a piece of paper or book
  • noun
  • A period of play in American Football
  • The soft, smooth hairs that cover a bird's body
  • preposition
  • Along something's path, course, or direction
  • Going from a higher position to a lower position
  • verb
  • To eat or drink very quickly and without stopping

lot

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US / lɒt /

UK / lɑt /

A1
  • noun
  • What happens to a person in life from chance; fate
  • A group of people seen together
  • Item for sale at an auction
  • Small area of land used for a purpose e.g. parking

two

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US / tu: /

UK / tu /

A1
  • number
  • 2

their

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US / ðɛː /

UK / ðer /

A1
  • determiner
  • Belonging to them

than

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US / ðən /

UK / ðən /

A1
  • conjunction
  • Used to compare two things that are not equal

put

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US / pʊt /

UK / pʊt /

A1
  • phrasal verb
  • to make a light stop shining by pressing or moving a switch
  • verb
  • To move or place a thing in a particular position
  • To rate something in importance or value
  • To write or say something in a certain manner

those

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US / ðəʊz /

UK / ðoz /

A1
  • determiner
  • The people or things we are talking about
  • pronoun
  • The objects far from the speaker

any

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US / 'enɪ /

UK / ˈɛni /

A1
  • adjecitve
  • One, or some, no matter which
  • pronoun
  • One (thing) of many; some

kind

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US / kaɪnd /

UK / kaɪnd /

A1
  • adjecitve
  • In a caring and helpful manner
  • friendly and considerate
  • noun
  • One type of thing

big

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US / bɪɡ /

UK / bɪɡ /

A1
  • adjecitve
  • Popular
  • Serious
  • Large

day

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US / deɪ /

UK / de /

A1
  • noun
  • A period of 24 hours beginning at midnight
  • The period of time when it is light outside
  • Person's name

too

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US / tu: /

UK / tu /

A1
  • adverb
  • In addition, also; with emphasis
  • Say that something is more than you want

mean

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US / mi:n /

UK / min /

A1
  • adjecitve
  • Being good at
  • Nasty; unkind
  • Not liking to spend money; cheap; stingy
  • noun
  • Average of a set of numbers
  • verb
  • To express a particular idea or thought
  • To intend to do something in particular
  • To have a particular meaning or value

new

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US / nju: /

UK / nu, nju /

A1
  • adjecitve
  • Not old, recently born, built or made
  • Being or doing something for the first time
  • Not felt, seen or known previously
  • Having been recently bought or obtained

around

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US / ə'raʊnd /

UK / əˈraʊnd /

A1
  • adjecitve
  • Close to someone or something
  • adverb
  • Located on every side, or along something
  • With a motion that moves in a circle or a curve
  • Going here and there within (a place)
  • Turned or turning in the opposite direction
  • preposition
  • Roughly; approximately

call

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US / kɔ:l /

UK / kɔl /

A1
  • noun
  • A order or request for action
  • The sound an animal makes, often when in danger
  • A correct prediction, e.g. a decision in a game
  • A short visit to a place or person
  • A decision by a referee or umpire in a game
  • verb
  • To make a request or order for action
  • (Animal) to make sounds to warn of danger
  • To announce the date of an election
  • To make a judgment about something
  • To give someone or something a name
  • To guess in advance the result or outcome
  • To visit a place or person for a short time
  • To phone someone
  • To speak, announce or shout in a loud voice

feel

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US / fi:l /

UK / fil /

A1
  • verb
  • To be aware of or experience an emotion, sensation
  • To sense through direct contact; touch

year

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US / jə: /

UK / jɪr /

A1
  • noun
  • Unit of time equal to 12 months or 365 or 366 days
  • Used to refer to the age of a person

before

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US / bɪˈfɔ:(r) /

UK / bɪˈfɔr,-ˈfor /

A1
  • adverb
  • At a time earlier than the present; previously
  • conjunction
  • In advance of something happening
  • preposition
  • In front of someone or something

talk

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US / tɔ:k /

UK / tɔk /

A1
  • noun
  • Style of speaking
  • Discussion between two countries
  • Giving information in front of people; lecture
  • Saying things or ideas to someone with words
  • verb
  • To make a formal speech about something
  • To say things or ideas to someone with words

last

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US / lɑ:st /

UK / læst /

A1
  • adjecitve
  • Most recent; the latest
  • The one before
  • adverb
  • Final; with nothing following; after all others
  • Most recent; the latest
  • determiner
  • The one at the end
  • verb
  • To remain or continue for a certain period of time

great

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US / ɡreɪt /

UK / ɡret /

A1
  • adjecitve
  • Very large in size
  • Very important
  • Very good; fantastic; wonderful
  • adverb
  • Very good; better than before
  • noun
  • Successful and well-admired person

happen

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US / 'hæpən /

UK / ˈhæpən /

A1
  • verb
  • To take place or occur

another

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US / əˈnʌðə(r) /

UK / əˈnʌðɚ /

A1
  • adjecitve
  • One more, but not this
  • determiner
  • One more added
  • pronoun
  • One more (thing)

long

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US / lɒŋ /

UK / lɔŋ, lɑŋ /

A1
  • adjecitve
  • Large distance from one end to the other
  • Having many parts, e.g. a book with many chapters
  • adverb
  • For a large amount of time
  • noun
  • Person's name
  • verb
  • To have a strong desire for something or someone

she

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US / ʃɪ /

UK / ʃi /

A1
  • pronoun
  • Female person or animal mentioned before
  • (Refers to female person mentioned before)

pretty

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US / 'prɪtɪ /

UK / ˈprɪti /

A1
  • adjecitve
  • Being attractive to the eye in a simple way
  • adverb
  • Very; to a great degree

three

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US / θri: /

UK / θri /

A1
  • number
  • Number 3

today

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US / tə'deɪ /

UK / təˈde /

A1
  • adverb
  • On this day; at the time that is happening now
  • noun
  • This day; day that is happening now

probably

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US / ˈprɒbəbli /

UK / ˈprɑbəbli /

A1
  • adverb
  • That is likely to happen or be true

point

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US / pɔɪnt /

UK / pɔɪnt /

A1
  • noun
  • An item to be discussed
  • Small spot or dot
  • Fact or detail
  • Feature of something
  • The size of the text on a page or screen
  • A certain time or stage in a process
  • Certain position in time or space
  • Idea or fact you try to convince people about
  • Measurement of scores in a game, sport
  • Sharp end of something, e.g. a pen or pin
  • verb
  • To face a certain direction, e.g. north
  • To indicate something with your finger to others

able

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US / 'eɪbl /

UK / ˈebəl /

A2
  • adjecitve
  • Skilled; good at something
  • Having the ability to do something

run

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US / rʌn /

UK / rʌn /

A1
  • noun
  • Journey between two places made by ship or car
  • Series of similar things or successes and failures
  • Act of running; exercise of running
  • verb
  • To depart or travel according to a schedule
  • To cause an animal to move in a certain direction
  • (Of an engine) to be operating
  • To start or use a computer program
  • To flow in a certain direction, like a liquid
  • To manage or operate a business
  • To operate or drive something
  • (Of a road) to go from one place to another
  • To move your legs faster than walking

thank

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US / θæŋk /

UK / θæŋk /

A1
  • verb
  • To tell someone you are grateful to them

own

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US / əʊn /

UK / on /

A1
  • adjecitve
  • Belong to oneself
  • determiner
  • Yours, his, hers, etc.; not belonging to another
  • pronoun
  • (Something) belong to myself
  • verb
  • To have something as your property

away

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US / ə'weɪ /

UK / əˈwe /

A1
  • adjecitve
  • Not present
  • adverb
  • Disappear completely
  • Doing something with a lot of energy
  • Not here; far from here; in a different direction
  • To a different area, location

second

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US / 'sekənd /

UK / ˈsɛkənd /

A1
  • adjecitve
  • 2nd; the one following first
  • noun
  • Unit of time; one sixtieth of a minute
  • Short period of time that you wait for someone
  • (Do) soon
  • verb
  • To agree to support a proposal at a meeting

few

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US / fju: /

UK / fju /

A1
  • pronoun
  • Not many, a small number

whole

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US / həul /

UK / hol /

A1
  • adjecitve
  • Complete or full; all of
  • Being in a good condition
  • noun
  • Complete amount or sum; total

change

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US / tʃeɪndʒ /

UK / tʃendʒ /

A1
  • noun
  • Exchange of one set of clothes for another
  • Money in the form of coins instead of paper
  • Money returned after giving too much
  • Act of making or becoming something else
  • verb
  • To exchange one set of clothes for another
  • To exchange one kind of money for another
  • To replace something with another thing
  • To make or become something else
  • To go from one train, bus, etc. and go to another

real

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US / rɪəl /

UK / ˈriəl, ril /

A1
  • adjecitve
  • Actually existing or happening, not imagined
  • Being important or special

ask

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US / ɑ:sk /

UK / æsk /

A1
  • verb
  • To say to someone that you want something

number

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US / ˈnʌmbə(r) /

UK / ˈnʌmbɚ /

A1
  • noun
  • Symbols such as 1, 2, 56, 793
  • Particular song or dance performed during a show
  • Total quantity or amount of things
  • verb
  • To put numbers on things
  • To assign a sequence within a group, series, set
  • To claim to be part of a larger group, series, set

enough

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US / ɪˈnʌf /

UK / ɪˈnʌf /

A1
  • adjecitve
  • Sufficient to answer the need
  • adverb
  • To a satisfactory degree
  • pronoun
  • Equal to what is needed; as much as required
  • Adequate number or amount

close

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US / kləʊz /

UK / kloʊz /

A1
  • adjecitve
  • Almost; near
  • (Of a friend) well-known; liked by others
  • Being near or related
  • Similar; nearly the same
  • verb
  • To come progressively nearer to something
  • To end; to bring to an end
  • To make something shut; stop from being open

its

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US / ɪts /

UK / ɪts /

A1
  • adjecitve
  • Referring to or belonging to ‘it’
  • determiner
  • Of something; belonging or related to something
  • other
  • Possessive form of “it”

become

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US / bɪ'kʌm /

UK / bɪˈkʌm /

A1
  • verb
  • To begin to be; grow to be; develop into
  • To be suitable for a particular job or role

head

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US / hed /

UK / hɛd /

A1
  • noun
  • Counter for the number of cattle
  • Natural mental ability or intelligence
  • Leader or person with the greatest authority
  • Mind; mental ability; mental state
  • Side of a coin with a head on it
  • Top part of your body with eyes and a mouth
  • Starting point of something, e.g. a river
  • verb
  • To hit a ball with your head in a game
  • To be first or at the front or top (e.g. a list)
  • To travel or move toward a particular place; To go in a particular direction
  • To become the leader of something
  • To lead or be responsible for something

seem

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US / si:m /

UK / sim /

A1
  • verb
  • To appear to be something

week

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US / wi:k /

UK / wik /

A1
  • noun
  • Period of seven days from Sunday to Saturday

face

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US / feɪs /

UK / fes /

A1
  • noun
  • Side or outer surface of something
  • An expression using mouth, nose, eyes etc.
  • Front part of the head where eyes, mouth etc. are
  • Characteristics you show in public
  • verb
  • To cover a surface with something like paint
  • To deal with a problem or responsibilities
  • To look toward; point in a certain direction

question

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US / 'kwestʃən /

UK / ˈkwɛstʃən /

A1
  • noun
  • Issue or problems you are dealing with
  • What you ask about; issue
  • verb
  • To ask for or try to get information
  • To have or express concerns or uncertainty

stay

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US / steɪ /

UK / ste /

A1
  • noun
  • Legal order to stop or delay an action
  • Strong rope or wire that supports a ship's mast
  • Period of time spent living in or visiting a place
  • verb
  • To keep trying without giving up
  • To remain in the same place and not move away
  • To spend time visiting a place or someone's home

couple

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US / 'kʌpl /

UK / ˈkʌpəl /

A2
  • noun
  • Two people in a romantic relationship
  • Two of something; two people; a pair
  • verb
  • To join something to something else
  • (Two animals) to engage in sexual relations
  • To put two people or things together

open

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US / 'əʊpən /

UK / ˈopən /

A1
  • adjecitve
  • Available for use; accessible
  • Not being hidden; available for others to see
  • Being available for customers to enter or use
  • Allowing everyone to use or take part in
  • Not secret anymore
  • Not closed or shut
  • Willing to accept new ideas and thoughts
  • noun
  • Name for a tennis or golf competition
  • verb
  • To make accessible or able to be used, e.g. road
  • To start the activities or services of a business
  • To make a space or hole appear in something
  • To move or change so that it is no longer closed
  • To start something, e.g. a new business

reason

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US / 'ri:zn /

UK / ˈrizən /

A1
  • noun
  • Ability to think about facts and form a judgment
  • Explanation for why something occurred or was done
  • verb
  • To think and make conclusions in a logical manner

minute

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US / 'mɪnɪt /

UK / ˈmɪnɪt /

A1
  • adjecitve
  • Very very small
  • noun
  • Notes taken at a meeting to record what was said
  • Short period of time
  • Unit of time equal to 60 seconds
  • verb
  • To record in writing what is said at a meeting

problem

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US / ˈprɒbləm /

UK / ˈprɑbləm /

A1
  • adjecitve
  • Causing trouble
  • noun
  • Something difficult to deal with or causes trouble
  • Question to show understanding of a math concept

sort

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US / sɔ:t /

UK / sɔrt /

A1
  • noun
  • Group or class of similar things or people
  • verb
  • To organize things by putting them into groups
  • To deal with things in an organized way

full

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US / fʊl /

UK / fʊl /

A1
  • adjecitve
  • Containing all the parts; complete
  • Containing or holding as much as possible
  • Having had enough food
  • adverb
  • In a direct manner; completely

follow

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US / ˈfɔləu /

UK / ˈfɑlo /

A1
  • verb
  • To come after someone; be guided by someone
  • To support someone, e.g. singer or comedian
  • To be the logical result of something
  • To happen after something else happens
  • To believe a set of values or a moral teacher
  • To understand something happening or being said

under

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US / ˈʌndə(r) /

UK / ˈʌndɚ /

A1
  • adjecitve
  • In the same place as another thing, but lower
  • adverb
  • In a lower quantity or price than expected
  • preposition
  • According to the terms of an agreement or law
  • Managed or controlled by the authority of
  • Being of a lesser quality or amount than expected
  • Influenced or affected by something or someone
  • Less or lower in age, amount, size or number

care

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US / keə(r) /

UK / kɛr /

A1
  • noun
  • Treatment you receive for your health or safety
  • Something that a person worries about
  • verb
  • To feel interest, concern, or worry
  • To look after someone or something

whatever

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US / wɒt'evə(r) /

UK / hwɑtˈɛvɚ, hwʌt-, wɑt-, wʌt- /

A1
  • adjecitve
  • Referring to any particular kind, type, quantity
  • determiner
  • Anything or everything needed; no matter what
  • pronoun
  • (Used to dismiss what someone is saying)

lead

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US / li:d /

UK / lid /

A1
  • adjecitve
  • Being the main part in movies or plays
  • noun
  • Wire for electricity, computer, etc.; cable
  • Information that could help to solve a crime
  • Main part in a play or movie
  • Heavy, gray metal element
  • Rope used to tie something to stop it escaping
  • Act of being at the front in a race or game
  • verb
  • To show the way or guide others
  • To be at the front of a race or game
  • To travel in front of; go in advance of others

miss

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US / mɪs /

UK / mɪs /

A1
  • noun
  • Action of not hitting something or someone
  • Form of address to unmarried girl or woman
  • verb
  • To be absent
  • To fail to hit something e.g. a ball
  • To do without something
  • To fail to see or sense something
  • To fail to understand someone's message
  • To be too late to ride on something e.g. train
  • To feel you want to see someone who is not there

money

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US / 'mʌnɪ /

UK / ˈmʌni /

A1
  • noun
  • Coins or notes we use to pay for things

case

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US / keɪs /

UK / kes /

A1
  • noun
  • Container used to carry things, e.g. clothes
  • Set of facts about a crime
  • Set of facts about an event
  • Example or instance of something
  • verb
  • To find out about a place, as in planning to steal

less

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US / les /

UK / lɛs /

A1
  • adjecitve
  • Smaller in amount or degree
  • adverb
  • To a smaller degree
  • noun
  • A smaller amount
  • preposition
  • With the subtraction of

deal

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US / di:l /

UK / dil /

A1
  • verb
  • To cope with something - usually troubles
  • To give (something bad e.g. news) to
  • To buy and sell illegal drugs
  • To give out (cards, etc.) to; distribute
  • To do business with someone or to sell products

month

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US / mʌnθ /

UK / mʌnθ /

A1
  • noun
  • One of 12 28-31 day periods in the year

allow

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US / əˈlaʊ /

UK / əˈlaʊ /

A1
  • verb
  • To admit the validity or truth of something
  • To let or permit someone do something

matter

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US / 'mætə(r) /

UK / ˈmætɚ /

A1
  • noun
  • Material all things are made of that fills space
  • Problem or reason for concern
  • verb
  • To be of great importance; to count

light

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US / laɪt /

UK / laɪt /

A1
  • adjecitve
  • Being bright making it easy to see; not dark
  • Being pale and lacking darkness of color
  • Not heavy; weighing only a little
  • adverb
  • Carrying few bags when traveling
  • noun
  • A source of energy that makes a room or area bright
  • Way in which something or someone is understood
  • verb
  • To cause something to burn; put a burning match to
  • To provide a way to see ahead

especially

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US / ɪˈspeʃəli /

UK / ɛˈspɛʃəli, ɪˈspɛʃ- /

A1
  • adverb
  • More than usual; extremely

basically

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US / ˈbeɪsɪkli /

UK / ˈbesɪkəli,-kli /

A2
  • adverb
  • Used before you explain something simply, clearly

huge

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US / hju:dʒ /

UK / hjudʒ /

A2
  • adjecitve
  • Very very large

pull

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US / pʊl /

UK / pʊl /

A1
  • noun
  • Act of breathing in smoke, as from a pipe
  • Force something has that draws other things to it
  • Using your hands to move something to you
  • verb
  • To breathe in smoke, as from a pipe
  • To hold something and move it toward you
  • To remove something by force

entire

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US / ɪn'taɪə(r) /

UK / ɛnˈtaɪr /

A2
  • adjecitve
  • Complete or full; with no part left out; whole

story

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US / 'stɔ:rɪ /

UK / ˈstɔri, ˈstori /

A1
  • noun
  • One of many floors or levels in a building
  • Account or description of how something happened

drop

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US / drɒp /

UK / drɑp /

A1
  • noun
  • Distance between a higher and a lower level
  • Act of letting something fall (from your hand)
  • A decrease in quantity or quality; reduction
  • Tiny amount of liquid, with rounded bottom
  • verb
  • To drive someone to a place and then drive away
  • To let something fall from your hand
  • To fall or lie down quickly, as when shot
  • To decide to stop something e.g. a course)
  • To (cause to) reduce in quantity or quality

step

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US / step /

UK / stɛp /

A1
  • noun
  • Movement done as part of a particular dance
  • Distance covered by one movement of a leg; stride
  • One part or stage in a process
  • Sound made by the feet while walking; footstep
  • Flat horizontal piece that forms stairs
  • verb
  • To raise and moving the foot to put it down

eye

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US / aɪ /

UK / aɪ /

A1
  • noun
  • The part of the body that you see with
  • The skill to see the good and bad parts of a thing
  • Hole at the end of a needle
  • verb
  • To watch or study something closely

along

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US / əˈlɒŋ /

UK / əˈlɔ:ŋ /

A1
  • adverb
  • As a companion; taken with someone
  • preposition
  • At a point on a line

low

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US / ləʊ /

UK / lo /

A1
  • adjecitve
  • Having a small quantity, supply, or amount
  • Being unhappy or unpleasant in attitude
  • Not high; being near the ground, or bottom
  • (Of a voice, sound) being soft; quiet
  • noun
  • Situation of not having a lot of something

suppose

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US / sə'pəʊz /

UK / səˈpoʊz /

A2
  • conjunction
  • What if
  • verb
  • To imagine or guess what might happen

control

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US / kən'trəʊl /

UK / kənˈtrol /

A1
  • noun
  • A device designed to operate a machine
  • Participant in experiment that is left untouched
  • Act to dominate or command; make manageable
  • A law limiting the growth or spread of something
  • A place which overseas or manages e.g. a factory
  • verb
  • To direct or influence the behavior of something

cover

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US / 'kʌvə(r) /

UK / ˈkʌvɚ /

A1
  • noun
  • A different version of another song
  • Bed sheets; blankets
  • (Police or military) protection from attack
  • Amount of money to be paid in an insurance claim
  • Thing you put over something to close or hide it
  • Front and back part of a book or magazine
  • Shelter built to protect from the natural elements
  • verb
  • To record a different version of another song
  • To include as part of its area
  • To put something over something to hide it
  • To discuss a subject in a talk or meeting
  • To form a layer over something so it is hidden
  • To have sufficient funds to pay for something
  • To include something within an agreed limit
  • To report news on TV, radio or in a newspaper
  • (Police or military) to protect from attack
  • To travel a certain distance in a given time
  • To wrap something with something, such as a cloth

instead

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US / ɪnˈsted /

UK / ɪnˈstɛd /

A1
  • adverb
  • When one thing is replaced by another

system

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US / 'sɪstəm /

UK / ˈsɪstəm /

A1
  • adjecitve
  • Working in an organized, logical way
  • noun
  • Set of organized, planned ideas that work together

clear

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US / klɪə(r) /

UK / klɪr /

A1
  • adjecitve
  • Empty; without anything in it or on it
  • Being certain and without doubt
  • Being without any streaks, spots, or cracks
  • Easy to understand; well-explained; obvious
  • adverb
  • Completely; entirely; through the whole of
  • Away from; free from
  • verb
  • To recover from or remove a problem
  • To get rid of the entire contents of
  • To give permission for something to happen
  • To make a place or surface empty by removing
  • To prove that someone is not guilty or to blame

act

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US / ækt /

UK / ækt /

A1
  • noun
  • What someone did; action; behavior
  • A law or rule passed by a government we must obey
  • One of the parts that a stage play is divided into
  • verb
  • To behave in a certain way
  • To perform on a stage or in a movie

issue

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US / 'ɪʃu: /

UK / ˈɪʃu /

A2
  • noun
  • Important topic discussed, debated or argued over
  • Single edition of a magazine
  • verb
  • To make something available to be used or sold
  • To deliver a statement, etc. in an official manner

sign

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US / saɪn /

UK / saɪn /

A1
  • noun
  • Indication that something exists or will happen
  • Motion or movement that expresses your thoughts
  • A board in the street that conveys information
  • Mark or symbol with an understood meaning
  • verb
  • To communicate by using ones hands and gestures
  • To write your signature on a document

join

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US / dʒɔɪn /

UK / dʒɔɪn /

A1
  • verb
  • To bring something close to another, to become one
  • To become a member of
  • To participate in an activity with others

fire

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US / 'faɪə(r) /

UK / faɪr /

A1
  • noun
  • Heat and the flame produced when burning
  • Intense energy for or about something
  • verb
  • To apply heat to something to make it hard
  • To make a person leave their job; dismiss
  • To shoot a gun or weapon
  • To launch something into the sky, e.g. a rocket
  • To start working on something e.g. a project

forward

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US / 'fɔ:wəd /

UK / ˈfɔrwəd /

A1
  • adjecitve
  • Toward what is ahead; in front
  • Acting in a socially aggressive manner; pushy
  • adverb
  • Toward the front in place; in front
  • Toward a future time; to a more advanced state
  • verb
  • To send something to another address or person

touch

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US / tʌtʃ /

UK / tʌtʃ /

A1
  • noun
  • Certain way of doing that makes something special
  • A small amount of something
  • Feeling of a surface
  • verb
  • To affect feelings, especially by causing sympathy
  • To be next to each other with no space between
  • To get involved with (used in negative)
  • To feel an object with your fingers, etc.

test

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US / test /

UK / test /

A1
  • noun
  • A medical examination
  • Action to establish the truth or nature of
  • Examination; questions to measure knowledge
  • verb
  • To be given a medical examination
  • To try to establish the truth or nature of
  • To ask a series of questions to measure knowledge

main

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US / meɪn /

UK / men /

A1
  • adjecitve
  • Most important; most often used

ball

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US / bɔ:l /

UK / bɔl /

A1
  • noun
  • Large dance where people dress formally
  • Small round object often used in a game or sport

itself

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US / ɪtˈself /

UK / ɪtˈsɛlf /

A1
  • pronoun
  • Referring to it

safe

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US / seɪf /

UK / sef /

A2
  • adjecitve
  • Highly likely
  • Being out of danger
  • noun
  • Metal box with a lock to keep valuable things in

ground

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US / graʊnd /

UK / ɡraʊnd /

A1
  • noun
  • Connection of electrical equipment to earth
  • Place where people play particular sports
  • Solid surface of the earth that we stand on
  • verb
  • To break (coffee, etc.) into tiny bits with machine
  • To make loud jarring noise by pressing hard
  • To make sharp or smooth through friction
  • To press together with force making a sound
  • To punish someone by not allowing them to go out
  • To hit the bottom
  • (Of boat) to hit the bottom so it cannot move
  • To prevent a plane from taking off
  • To place the ball over the goal line in rugby

themselves

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US / ðəmˈselvz /

UK / ðɛmˈsɛlvz, ðəm- /

A1
  • pronoun
  • Reflexive form of 'they'

goal

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US / ɡəʊl /

UK / ɡol /

A2
  • noun
  • Something you try to do or achieve; an aim
  • (Sports) net into which you put a ball to score
  • (Sports) act of scoring by putting a ball in a net

size

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US / saɪz /

UK / saɪz /

A1
  • noun
  • How big or small a thing is
  • Standard measurements for clothing, shoes
  • verb
  • To make something to fit a particular measurement
  • To organize or group from small to large

likely

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US / 'laɪklɪ /

UK / ˈlaɪkli /

A1
  • adjecitve
  • With a good chance that a thing will really happen
  • Seeming suitable or good for a particular purpose

report

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US / rɪ'pɔ:t /

UK / rɪˈpɔrt, ˈport /

A1
  • noun
  • Account of the necessary facts and information
  • The telling of news in the media
  • Official statement about something
  • verb
  • To submit a report or bill to the government
  • To write in a newspaper or speak on a news program
  • To state something officially
  • To officially present yourself to an authority
  • To describe something by telling it to others

health

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US / helθ /

UK / hɛlθ /

A1
  • noun
  • (Person, company) being in a good condition; well

government

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US / ˈgʌvənmənt /

UK / ˈɡʌvənmənt /

A1
  • noun
  • Group of people and system that rule a nation

decision

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US / dɪ'sɪʒn /

UK / dɪˈsɪʒən /

A1
  • noun
  • Choice made after thinking; final judgment
  • Ability to make quick and confident choices

develop

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US / dɪ'veləp /

UK / dɪˈvɛləp /

A1
  • verb
  • To explain something in steps and in detail
  • To create or think of something
  • To grow bigger, more complex, or more advanced
  • To make a photograph from film

rate

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US / reɪt /

UK / ret /

A1
  • noun
  • Current price or cost of something
  • Speed or frequency of events over time
  • verb
  • To assess something or consider its qualities

raise

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US / reɪz /

UK / rez /

A1
  • noun
  • Increase in a bet above another when playing cards
  • Pay increase
  • verb
  • To increase a bet above another when playing cards
  • To gather donations for a cause or charity
  • To bring up and educate a child to maturity
  • To bring a dead person to life
  • To increase a quantity, size, intensity or price
  • To lift (e.g. your hand) to a higher position
  • To mention a topic /issue for discussion; bring up
  • To increase (salary, etc.)
  • To grow or care for plants or animals

particular

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US / pəˈtɪkjələ(r) /

UK / pɚˈtɪkjəlɚ, pəˈtɪk- /

B2
  • adjecitve
  • One specific (one)
  • Having firm ideas about what is desirable
  • Being special or more than is typical

clearly

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US / ˈklɪəlɪ /

UK / ˈklɪrlɪ /

A1
  • adverb
  • In a way that is easy to understand; obviously

multiple

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US / ˈmʌltɪpl /

UK / ˈmʌltəpəl /

B1
  • adjecitve
  • Having or involving more than one of something
  • noun
  • Number produced by multiplying a smaller number
  • Shop with many branches

describe

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US / dɪ'skraɪb /

UK / dɪˈskraɪb /

A1
  • verb
  • To tell the appearance, sound, smell of something

leg

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US / leɡ /

UK / lɛɡ /

A1
  • noun
  • Part of the body from the hips down
  • The piece of furniture that touches the ground

fail

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US / feɪl /

UK / fel /

A1
  • noun
  • A mark on a test showing you did not pass
  • verb
  • To be unsuccessful in passing a class or exam
  • To not do or provide something that is needed
  • To stop working or functioning; to break down
  • To not achieve a goal, or to go wrong

wide

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US / waɪd /

UK / waɪd /

A1
  • adjecitve
  • Having a great distance from one side to the other
  • adverb
  • Fully; completely

range

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US / reɪndʒ /

UK / rendʒ /

A2
  • noun
  • Cooking stove with multiple burners
  • Given distance from a point; how far plane can fly
  • Large grassy area where cattle wander and feed
  • Group or chain of mountains
  • Set of things with something in common
  • Limits within which something extends or varies
  • A set of products, e.g. so that people can choose
  • verb
  • To cover an area from one point to another
  • To extend to or vary within given limits
  • To put things in a row or in line
  • To wander or explore

trouble

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US / ˈtrʌbl /

UK / ˈtrʌbəl /

A2
  • noun
  • Lack of public order; disturbance
  • State of difficulty or stress
  • verb
  • To worry, bother or disturb someone
  • To make an effort to do something; bother
  • To do difficult or bad things which cause problems

approach

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US / ə'prəʊtʃ /

UK / əˈprəʊtʃ /

A2
  • noun
  • Means of reaching a place, often a road or path
  • Request of someone with a specific goal in mind
  • Specific way to handle a project, task, problem
  • verb
  • To get close to reaching something or somewhere
  • To request someone to do something specific

exact

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US / ɪɡ'zækt /

UK / ɪɡˈzækt /

A2
  • adjecitve
  • Completely correct; accurate; specific
  • verb
  • To get something, sometimes using force

feed

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US / fi:d /

UK / fid /

A2
  • noun
  • Food given to animals
  • verb
  • To give food, e.g. to animals or a baby
  • To push something through an opening
  • To provide necessary supplies to

remind

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US / rɪ'maɪnd /

UK / rɪˈmaɪnd /

A2
  • verb
  • To cause someone to remember what they forgot

mistake

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US / mɪ'steɪk /

UK / mɪˈstek /

A1
  • noun
  • Something done wrong/calculated wrong; error

apply

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US / ə'plaɪ /

UK / əˈplaɪ /

A1
  • verb
  • To spread a substance or liquid over a surface
  • To commit your time and effort to doing something
  • To make something useful in a certain situation
  • To be relevant for a situation
  • To ask formally for (job, permission etc.)

target

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US / 'tɑ:ɡɪt /

UK / ˈtɑrɡɪt /

A2
  • noun
  • A goal or amount you are trying to achieve
  • Group you are trying to sell to or influence
  • Something shot at to practice shooting
  • verb
  • To try to influence; direct a message toward
  • (Army) to aim an attack at something

lack

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US / læk /

UK / læk /

A2
  • noun
  • The state of not having or not having enough of
  • A shortage of something
  • verb
  • To not have, or not have enough, of something

essentially

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US / ɪˈsenʃəli /

UK / ɪˈsenʃəli /

A2
  • adverb
  • Basically; (said when stating the basic facts)

address

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US / ə'dres /

UK / əˈdrɛs /

A1
  • noun
  • Exact street location of a place
  • A formal speech to a group of people
  • verb
  • To write the place someone lives on a letter
  • To refer to someone or something formally
  • To make a formal speech to a group of people
  • To try to find a solution to; think about

bet

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US / bet /

UK / bet /

A2
  • noun
  • Act of gambling money on the result of a race etc.
  • verb
  • To gamble money to win more money, e.g. on horses

billion

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US / ˈbɪljən /

UK / ˈbɪljən /

A2
  • noun
  • Number 1,000,000,000

recognize

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US / ˈrek.əɡ.naɪz /

UK / ˈrek.əɡ.naɪz /

A2
  • verb
  • To accept the truth or reality of something
  • To consider something as important or special
  • To accept the legal authority of someone, thing
  • To publicly show appreciation for someone's work
  • To know someone or something because you have seen or heard him or her or experienced it before

program

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US / 'prəʊɡræm /

UK / ˈproˌɡræm, -ɡrəm /

A1
  • noun
  • Small book of events in a play, concert or movie
  • A plan or schedule of events
  • Series of classes at a college or university
  • A computer application
  • TV show
  • verb
  • To make someone act or think in a certain way
  • To write computer code for a piece of software

interest

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US / 'ɪntrəst /

UK / ˈɪntrɪst, -tərɪst, -ˌtrɛst /

A1
  • noun
  • Best or most advantageous thing for someone
  • Activity or subject one enjoys doing or learning
  • Fee for borrowing money
  • verb
  • To make someone want to know about something
  • To persuade to do, become involved with something

lay

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US / leɪ /

UK / le /

A2
  • adjecitve
  • Amateur; not being a trained priest
  • verb
  • To place a bet on a game outcome
  • (Of a bird, etc.) to produce eggs from its body
  • To put or set something down in a flat position
  • To set out things on (table) to prepare for a meal

achieve

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US / ə'tʃi:v /

UK / əˈtʃiv /

A2
  • verb
  • To succeed in doing good, usually by working hard

concern

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US / kənˈsɜ:n /

UK / kənˈsɚn /

A2
  • noun
  • Company, firm or business
  • Feeling of worry or anxiety
  • verb
  • To be about a particular topic
  • To have a direct impact on someone
  • To be responsible or mixed up in; to be involved
  • To feel worry or anxiety

security

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US / sɪ'kjʊərətɪ /

UK / sɪˈkjʊrɪtisə'kjurətɪ /

A2
  • noun
  • Department in a company in charge of protection
  • Financial document, like stocks, bonds and notes
  • Person paid to protect property and people
  • Things done to protect people, buildings etc.
  • Condition of being safe from danger or harm

limit

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US / 'lɪmɪt /

UK / ˈlɪmɪt /

A2
  • noun
  • Point beyond which it is not possible to go
  • verb
  • To stop or prevent an increase past a point

shift

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US / ʃɪft /

UK / ʃɪft /

A2
  • adjecitve
  • (Of work) starting at a certain time, as at night
  • noun
  • A change in a persons plans, opinions or beliefs
  • Period of work starting at a certain time
  • verb
  • To change in position or direction
  • To move something from one place to another

loss

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US / lɒs /

UK / lɔ:s /

A2
  • noun
  • Friend, family, or other loved person's death
  • Decrease or decline in quantity or amount
  • Experience or state of failing to have or keep
  • A situation when you lose a game
  • Process of failing to have or keep something
  • Difficulty or trouble caused by someone's leaving
  • Situation when more money is spent than is earned

stress

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US / stres /

UK / strɛs /

A2
  • noun
  • Emphasis on part of a word or sentence
  • Pressure on something or someone
  • A state of mental tension, worry due to problems
  • verb
  • To emphasize one or more parts of a word, sentence
  • To put pressure on something or someone
  • To say your opinion strongly
  • To be in a state of mental tension due to problems

slowly

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US / ˈsləʊli /

UK / ˈsloʊli /

A1
  • adverb
  • In an unhurried or not speedy manner

nervous

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US / ˈnə:vəs /

UK / ˈnə:vəs /

A1
  • adjecitve
  • Concerning the system of nerves in the body
  • Having a tendency to become uneasy or anxious

stock

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US / stɒk /

UK / stɑk /

B2
  • adjecitve
  • (E.g. of a response) standard; usual; not original
  • noun
  • Animals such as cattle kept for breeding
  • Tasty liquid added to stews, soups etc.
  • Merchandise; goods kept by a business for sale
  • Piece of a business, bought in the form of shares
  • verb
  • To keep some of, as items for sale

aware

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US / əˈwɛə /

UK / əˈwɛr /

A2
  • adjecitve
  • Knowing or feeling that something exists

combination

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US / ˌkɒmbɪ'neɪʃn /

UK / ˌkɑmbəˈneʃən /

B1
  • noun
  • Series of letters or numbers needed to open a lock
  • Act or result of mixing things together

weather

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US / 'weðə(r) /

UK / ˈwɛðɚ /

A1
  • noun
  • Whether it is raining, sunny, cold etc. outside
  • verb
  • To successfully deal with a difficult situation
  • To erode or become damaged due to the environment

email

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US / 'i:meɪl /

UK / 'i:meɪl /

A1
  • noun
  • A message like a letter sent by computer or phone
  • verb
  • To send an electronic letter via computer or phone

express

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US / ɪk'spres /

UK / ɪkˈsprɛs /

A1
  • adjecitve
  • Sent by a fast mail service
  • Traveling at high speed
  • noun
  • Fast train or bus
  • verb
  • To send something by fast mail
  • To state or show what you think or how you feel

identify

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US / aɪ'dentɪfaɪ /

UK / aɪˈdɛntəˌfaɪ /

B1
  • verb
  • To indicate who or what someone or something is

critical

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US / ˈkrɪtɪkl /

UK / ˈkrɪtɪkəl /

A2
  • adjecitve
  • Making a negative judgment of something
  • Being important or serious; vital; dangerous
  • Most important part

invest

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US / ɪn'vest /

UK / ɪnˈvɛst /

A2
  • verb
  • To use resources to build for the future

economic

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US / ˌi:kəˈnɒmɪk /

UK / ˌɛkəˈnɑmɪk, ˌikə- /

A2
  • adjecitve
  • Concerning trade, industry, and money

basis

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US / ˈbeɪsɪs /

UK / ˈbesɪs /

A2
  • noun
  • Main ingredient or part of something
  • Starting situation, fact, idea to develop from

danger

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US / ˈdeɪndʒə(r) /

UK / ˈdendʒɚ /

A1
  • noun
  • The possibility of getting hurt, damaged, killed

flick

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US / flɪk /

UK / flɪk /

B1
  • noun
  • Hitting something with your finger to move it
  • verb
  • To hit something with your finger to move it
  • To move a button, switch from on, off positions

bank

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US / bæŋk /

UK / bæŋk /

A1
  • noun
  • A financial institution that keeps or lends money
  • The side of a river
  • A row of things in lines (e.g. computers)
  • verb
  • To put or keep your money in a bank
  • To turn a plane when flying; (of a plane) to turn

aggressive

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US / əˈgresɪv /

UK / əˈɡrɛsɪv /

B1
  • adjecitve
  • Using energy and determination to achieve a goal
  • Behaving in a hostile and threatening way

york

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US / jɔ:k /

UK / jɔrk /

A1
  • proper noun
  • A city in northern England, on the Ouse River; population 136,900 (est. 2009).
  • A commercial and industrial city in southeastern Pennsylvania; population 40,097 (est. 2008).
  • The southwestern tip of Hayes Peninsula, on Baffin Bay in Greenland. It served as a base for US expl

authority

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US / ɔ:ˈθɒrəti /

UK / əˈθɔrɪti, əˈθɑr-, ɔˈθɔr-, ɔˈθɑr- /

A2
  • noun
  • The power to give orders to people
  • Person who is an expert on a particular topic
  • Expert knowledge on a given subject
  • The power to decide or approve things
  • a group of people who have the official power to make decisions

tone

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US / təʊn /

UK / toʊn /

A2
  • noun
  • Atmosphere or feeling in a message
  • Firmness and strength of the body's muscles
  • Difference in pitch between musical notes
  • Specific shade of color
  • Quality of sound created by a musical instrument
  • Sound of a voice that reveals emotion or meaning
  • verb
  • To increase the quality of muscles by exercise

failure

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US / ˈfeɪljə(r) /

UK / 'feɪljər /

A1
  • noun
  • When things go wrong; lack of function
  • Act or result of not achieving your goals

trump

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US / trʌmp /

UK / trʌmp /

A1
  • noun
  • Any playing card of a suit that outranks another
  • verb
  • To gain an advantage over others

federal

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US / 'fedərəl /

UK / ˈfɛdərəl, ˈfɛdrəl /

B1
  • adjecitve
  • Consisting of several united states

discussion

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US / dɪˈskʌʃn /

UK / dɪˈskʌʃən /

A2
  • noun
  • Any long communication about a particular topic

afternoon

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US / ˌɑ:ftəˈnu:n /

UK / ˌæftərˈnu:n /

A1
  • noun
  • Time after 12:00 and before the evening meal

chief

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US / tʃi:f /

UK / tʃif /

A2
  • adjecitve
  • The one highest in authority or importance
  • noun
  • Leader of a race or group of people
  • The one highest in authority or importance

draft

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US / drɑ:ft /

UK / dræft /

B1
  • noun
  • Withdrawal of money from the bank
  • System for selecting people to join the military
  • Method of selecting players for sports teams
  • Cold wind coming through a door or window
  • First attempt at a piece of writing
  • verb
  • To order people to join the army in time of war
  • To select people for a task or team
  • To write something that will be edited later

management

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US / 'mænɪdʒmənt /

UK / ˈmænɪdʒmənt /

A2
  • noun
  • People who are in control of a business or group
  • The process of running an organization

vast

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US / vɑ:st /

UK / væst /

A2
  • adjecitve
  • Being very large in size or amount

gate

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US / ɡeɪt /

UK / ɡet /

A2
  • noun
  • Place in a fence which can be opened or closed

administration

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US / ədˌmɪnɪˈstreɪʃn /

UK / ædˌmɪnɪˈstreʃən /

B1
  • noun
  • Act of giving e.g. medicine to a patient
  • The work of running something, e.g. a business
  • People managing a business, government etc.

collapse

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US / kə'læps /

UK / kəˈlæps /

B1
  • verb
  • To fold (e.g. a stroller) down to make it smaller
  • To suddenly fall down or break apart into pieces
  • To fall down suddenly due to being ill or tired

executive

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US / ɪɡ'zekjətɪv /

UK / ɪɡˈzɛkjətɪv /

A2
  • adjecitve
  • Of a high ranking job in a company
  • noun
  • A senior manager in a business or organization

timing

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US / ˈtaɪmɪŋ /

UK / ˈtaɪmɪŋ /

A1
  • noun
  • Measurement of how fast someone is
  • verb
  • To check speed at which music is performed
  • To choose a specific moment to do something
  • To measure how long an event takes, e.g. a race
  • To schedule something to occur at a specific moment

implement

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US / ˈɪmplɪment /

UK / ˈɪmpləmənt /

B1
  • noun
  • A tool
  • verb
  • To start to do something you plan to do

northern

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US / ˈnɔːðən /

UK / ˈnɔːrðərn /

B1
  • adjecitve
  • In or toward the north

annual

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US / ˈænjuəl /

UK / ˈænjuəl /

A2
  • adjecitve
  • Happening once a year, or every year
  • noun
  • Book (in a series) released each year

reserve

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US / rɪ'zɜ:v /

UK / rɪˈzɚv /

A2
  • noun
  • Area of land set aside as for a people
  • Park or area for wildlife to roam free
  • Item kept or used as spares
  • verb
  • To arrange for a room or table be kept for you
  • To not use all of, so you can use it later

boil

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US / bɔɪl /

UK / bɔɪl /

A2
  • verb
  • To become extremely angry or excited
  • To cook in very hot water
  • To make liquids hot so they turn to gas

mixture

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US / ˈmɪkstʃə(r) /

UK / ˈmɪkstʃɚ /

B1
  • noun
  • Something made by combining two or more things

asset

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US / 'æset /

UK / ˈæsˌɛt /

A2
  • noun
  • Thing that has value to you

extent

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US / ɪkˈstent /

UK / ɪkˈstɛnt /

A2
  • noun
  • Point, level or limit to which something reaches
  • Range or space included in something

historic

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US / hɪˈstɒrɪk /

UK / hɪˈstɔrɪk, -ˈstɑr- /

B1
  • adjecitve
  • (Of past event) having an effect on future; famous
  • Connected with the past

rapid

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US / ˈræpɪd /

UK / ˈræpɪd /

B1
  • adjecitve
  • Moving or happening very quickly
  • noun
  • Rough and fast-moving part of a river

balloon

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US / bəˈlu:n /

UK / bəˈlun /

B1
  • noun
  • Thin bag of rubber filled with air, used as a toy
  • Large air-filled bag to carry people into the air
  • verb
  • To grow larger quickly; spring up suddenly
  • To travel in a large balloon

reporter

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US / rɪˈpɔ:tə(r) /

UK / rɪˈpɔrtɚ, -ˈpor- /

A1
  • noun
  • Someone whose job is to report news

seconds

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US / 'sekəndz /

UK / 'sekəndz /

A1
  • other
  • Units of time; one sixtieth of a minute
  • Short periods of time you wait for someone
  • verb
  • To agree to support a proposal at a meeting

institution

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US / ˌɪnstɪˈtju:ʃn /

UK / ˌɪnstɪˈtuʃən, -ˈtju- /

A2
  • noun
  • Organization created for a particular aim/purpose
  • Tradition, custom or system accepted by a group

regulation

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US / ˌregjuˈleɪʃn /

UK / ˌrɛɡjəˈleʃən /

A2
  • noun
  • Act of controlling something with rules or orders
  • other

california

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US / ˌkælɪ'fɔ:njə, -'fɔ:ni:ə /

UK / ˌkælɪ'fɔ:rnjəˌ -'fɔ:rni:ə /

A1
  • noun
  • A state in the western United States on the Pacific; the rd largest state; known for earthquakes

allege

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US / əˈledʒ /

UK / əˈlɛdʒ /

B1
  • verb
  • To state without proof

san

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US / /

UK / /

A1
  • adjective
  • Relating to the San or their languages.
  • noun
  • A member of the aboriginal peoples of southern Africa commonly called Bushmen.
  • The group of Khoisan languages spoken by the San.

arrange

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US / əˈreɪndʒ /

UK / əˈrendʒ /

A2
  • verb
  • To write music for a particular instrument
  • To organize things or people in a particular way
  • To plan (an event) at a time and place
  • To organize events so they happen

ambitious

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US / æmˈbɪʃəs /

UK / æmˈbɪʃəs /

A2
  • adjecitve
  • Having the desire to be successful in life, work

empower

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US / ɪm'paʊə(r) /

UK / ɛmˈpaʊɚ /

B2
  • verb
  • To give someone a power or ability

inflation

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US / ɪn'fleɪʃn /

UK / ɪnˈfleʃən /

B1
  • noun
  • Act of filling something with air or gas
  • Continual rise in the prices of products

valley

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US / 'vælɪ /

UK / ˈvæli /

A2
  • noun
  • Area between mountains with river running through

array

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US / əˈreɪ /

UK / ə'reɪ /

B2
  • noun
  • A regular order or arrangement of things
  • verb
  • To arrange things in a regular order

reform

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US / rɪ'fɔ:m /

UK / rɪˈfɔrm /

A2
  • noun
  • An improvement, especially in a person's behaviour or in the structure of something
  • verb
  • To re-shape something to a better condition
  • To (cause to) lead a non-criminal life
  • To improve society by removing abuse/injustice
  • To re-shape something into a different form

regulate

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US / ˈregjuleɪt /

UK / ˈrɛɡjəˌlet /

A2
  • verb
  • To control something with rules or laws
  • To set/adjust (a clock, etc.); restrict motion in

deposit

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US / dɪ'pɒzɪt /

UK / dɪˈpɑzɪt /

A2
  • noun
  • Concentration of mineral left by a river
  • Part payment so that an item will be kept for you
  • Amount of money that is put into a bank account
  • verb
  • (Of rivers) to leave a layer of minerals, etc.
  • To lay down of layers, e.g. of soil, over time
  • To place or put something down in a certain place
  • To put money or valuable items in a bank

fatal

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US / ˈfeɪtl /

UK / ˈfetl /

B1
  • adjecitve
  • Causing death; having very bad consequences
  • Causing negative results

lethal

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US / 'li:θl /

UK / ˈliθəl /

B2
  • adjecitve
  • Causing or able to cause death

ought

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US / ˈɔːt /

UK / ˈɑːt /

B1
  • verb
  • Used to indicate duty or correctness, typically when criticizing someone's actions

geoff

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US / dʒɛf /

UK / /

A1

william

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US / ˈwɪljəm /

UK / ˈwɪljəm /

A1
  • proper noun
  • The name of two kings of England and two of Great Britain and Ireland.

trunk

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US / trʌŋk /

UK / trʌŋk /

B2
  • noun
  • Long nose of an elephant
  • Trunks shorts worn for swimming
  • Strong box/chest/container, as for traveling
  • Main thick and woody stem of a tree

banking

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US / ˈbæŋkɪŋ /

UK / ˈbæŋkɪŋ /

A2
  • noun
  • Act of keeping your money in a bank
  • verb
  • To put or keep your money in a bank
  • To turn a plane when flying; (of a plane) to turn

similarly

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  • Introduction to Video Content
  • The collapse of Silicon Valley Bank last month has been attributed to mismanagement and oversight failures, according to a report issued by the Federal Reserve. The report takes aim at the bank's own regulators, accusing them of missing warning signs as the bank expanded rapidly and of not acting quickly enough to address identified problems. The executives at Silicon Valley Bank also made critical mistakes that endangered the banking system. Firstly, they held a significant portion of their deposits in amounts exceeding the government insurance limit of $250,000, making it more likely for depositors to withdraw their money. Secondly, they made a bet that interest rates would remain low for an extended period, leading to investments in securities that were adversely affected when interest rates were raised by the Federal Reserve to control inflation. These decisions ultimately resulted in significant losses for the bank, prompting fearful depositors to withdraw their funds. The report highlights the failure of federal regulators who were responsible for monitoring the bank and overseeing the risks associated with its operations.
  • Subtitles section
  • Geoff: The federal reserve today issued a stinging report about the multiple failures that lead to the historic collapse of silicon valley bank last month.
  • As William brangham reports, the main targets of the report?
  • The fed's own regulators.
  • William: The federal reserves' report says silicon valley bank collapsed because of a textbook case of mismanagement by bank executives, but it was especially critical of its own regulators, alleging they missed clear danger signs as the bank ballooned in size, and acted much too slowly on the problems they did identify.
  • For more on this regulatory autopsy, we're joined by economics reporter Jeanna Smialek.
  • She covers the federal reserve for "The New York Times." Thank you for being here.
  • Before we get to how regulators failed, can you remind us of what mistakes the executives at silicon valley bank did that basically imperiled of the entire banking system?
  • Jeanna: They made two big gets of mistakes.
  • The first is they had a huge trunk of their deposit days in really big deposits over the $250,000 limit the government insurers.
  • That meant they were much more likely to pull that money out.
  • Mistake number two is a made essentially was a bet that interest lights would stay low for a really long time.
  • They invested in securities at a gated on that and when that didn't happen, when the fed instead raised interest rates to control inflation, the bank was facing big losses.
  • That combination of decisions is pretty fatal for this bank because when the bank was facing big losses, nervous depositors took the money and ran.
  • William: Touching on the report that came out today, federal regulators, who are supposed to have a eyes on this particular bank and looking out for the exact things you are describing, seemed to drop the ball.
  • What did the report say they failed to do?
  • Jeanna: A whole range of failures.
  • I think it really boiled down to failing to recognize the full extent of the programs and failing to follow up on the programs that were recognized.
  • If the supervisors at the San Francisco fed were aware of some of these issues, and they pointed them.
  • What they did not do is act decisively enough to get the management at the bank to deal with the problems to make them go away and take care of them before they became lethal to the institution.
  • The fed report was very critical of the fed itself for failing to achieve that goal of making the institution safer.
  • William: Is it clearer from the report -- wasn't a lack of will to act, a lack of authority to step in and say there are multiple fires going on and we need to put these out?
  • Jeanna: That's a great question.
  • I think it was actually some mixture.
  • What we saw under the trump administration over the last few years was a shift in tone around how banks ought to be supervised, how they ought to be regulated.
  • This was a bank of the sort of size that it did not apply to be at what we call a midsized arranged, regulations had become less onerous and that probably mattered in this case.
  • The other thing that mattered was I think on the ground supervision.
  • The supervisors for whatever reason did not feel empowered to say this is a problem, we need to deal with it now.
  • And the regulations themselves were not nimble enough to allow them to address this in a rapid and forceful way.
  • I think we will see a lot of changes on the way that banks are seen on a day-to-day basis and the way they are regulated, coming out of this.
  • William: The feds oversight chief who drafted much of this report calls for some of these reforms you're talking about.
  • What does he want to see done and how likely are those to be implemented?
  • Jeanna: I think it was a very ambitious was -- wishlist he put out.
  • But the fed has had a lot of discussion when it comes to the things he wants to see.
  • He would like the fed to reconsider how it is overseeing banks that have more than $100 billion in assets.
  • The fed has wide discussions to take a closer look at those banks.
  • It will take a couple of years but is likely we will see some changes.
  • Similarly, it seems like supervisors are in for a more aggressive approach to banks going forward.
  • Stress tests, the annual health checkups the banks get, could get another look.
  • I think it will be a vast array of changes and we got a lot of emails from lobbyists this afternoon expressing stress at these changes.
  • It seems like these could be pretty real.
  • William: In the last 30 seconds I want to ask you about this other bank in northern California, first republic bank.
  • A lot of concerns about this bank cratering, its stock has dropped I think 97% over the year, over 40% I think today.
  • What is going on with that bank?
  • Jeanna: That bank is clearly on its last legs.
  • It's in a lot of trouble and has been in a lot of trouble.
  • We've been laying the will they come along today when the bank will go into receivership.
  • It could be imminent that the government takes over the bank any minute.
  • It is an open question with the timing will be but it seems like first republic is clearly headed for some kind of big change.
  • I think the bank has a lot of problems.
  • It has seen a huge deposit outflow in the last two or three weeks and it probably will not be able to weather that.
  • A developing story.
  • William: Thank you so much.
  • Jeanna: Thank you.
  • ♪♪