In the following passage, there are blanks each of which has been numbered. These numbers correspond to the question numbers; against each question, five options with two words/ phrases in each have been suggested (both the words should fit the given blank).

In good economic times as well as in bad, financial (19) can always strike. And when it does, people might have to (20) on housing, which is typically the largest household expense. However, cutting housing costs involves hard (21): moving can be expensive and (22), and living with family, friends, or strangers (23). Twice as many people would prefer downsizing than the next most popular actions of renting out part of their home to a roommate or housemate or moving to a more (24) neighbourhood. Far fewer people would take the more (25) of living in their car or not paying the rent or mortgage.