21. We all believe it is Tom himself, rather than his teachers who _______ for his bad academic performance at school.
A. are to blame B. are to be blamed C. is to blame D. is to be blamed
22. According to a report published by the Allianz China Life insurance, housing ______ 72% of the total wealth of rich people in China.
A. makes up B. consists of C. takes up D. puts forward
