A study involving8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings,the first in a series of reports from NatWest that has started a fiveyear research project into teenagers and money,are particularly worrying as this generation of young people is likely to be burdened with greater debts than any before.

  University tuition fees (学费) are currently capped at £3,000 annually,but this will be reviewed next year and the government is under enormous pressure to raise the ceiling.

  In the research,the teenagers were presented with the terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average£31,000 by the age of 25,although the average salary for those aged 22 to29 is just£ 17,815. The teenagers were expected to be in debt when they finished university or training,although half said that they assumed the debts would be less than £l0,000. Average debts for graduates are£ 12,363.

  Stephen Moir,head of community investment at the Royal Bank of Scotland Group which owns NatWest,said, "The more exposed young people are to financial is?sues,and the younger they become aware of them,the more likely they are to become responsible,forwardplan?ning adults who manage their finances confidently and ef?fectively."

  Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just in?troduced new lessons in how to manage debts. Nikki Fairweather,aged15,from St Helens,said that she had ben?efited from lessons on personal finance,but admitted that she still had a lot to learn about money.

18. Which of the following can be found from the fiveyear research project?

   A. Students understand personal finances differently.

   B. University tuition fees in England have been ris?ing.

   C. Teenagers tend to overestimate their future earn?ings.

   D. The students' payback ability has become a major issue.

19. The underlined phrase "to raise the ceiling" in Para?graph2 probably means"       ".

   A. to raise the student loans

   B. to improve the school facilities

   C. to increase the upper limit of the tuition

   D. to lift the school building roofs

20. According to Stephen Moir,students      

   A. are too young to be exposed to financial issues

   B. should learn to manage their finances well

   C. should maintain a positive attitude when facing loans

   D. benefit a lot from lessons on personal finance

21. What can we learn from the passage?

   A. Many British teenagers do not know money mat?ters well.

   B. Teenagers in Britain are heavily burdened with debts.

   C. Financial planning is a required course at college.

   D. Young people should become responsible adults.

  During the last fifteen years of my mother's life she suffered from Alzheimer's disease (老年痴呆症) .Until then she had been a bright,cheerful woman deeply interested and involved in the world around her. I would go home to visit her in Virginia and she would look at me in a puzzled way and ask, "Who are you?" I would answer, "I'm your son. ”"Where do you live?" She would ask. "In California," I would tell her. "Isn't that interesting?" she would say, "I have a son in California."

  She seemed simply forgetful and confused at the beginning of the disease,but later on she would go through periods of intense anxiety. She would pace through the house she had lived in most of her life crying uneasily that she wanted to go home. Or she would leave home and wander away if she were un?attended for a short time.

  Hoping to please her and put her mind at ease I would take her for a drive,visiting sites where she had lived as a child. In the yard of the house on the hillside in Shipman I sat in the car and admired the view of the old oaks and the long green lawn. I pictured my mother there was a little girl playing with the pet lamb she had been so fond of. I looked to her for some response. She shook her head and said, "I want to go home."

  Over the years I have decided that what my mother was calling home was not a place,but a time. I suspect it was a time when she was much younger,when her children were still around,when her husband was still vigorous and attentive.

  Watching my mother's suffering set me wondering where I would have gone in mind if someday I couldn't find home and wanted to go there. In this family we tend to be longlived and we grow fuzzy (糊涂的) -minded as the years go by. At eighty I have already noticed some alarming symptoms. My doctor says the forgetfulness is only natural and that it comes with age. Still the fear of Alzheimer's is haunting there. Someday if and when I become even more cloudyminded than I am now,unable to drive and unable to tell you where "home" is,my dear son,I expect I will ask you to take me home. I know you will do your best to find the place I need to be. I leave these notes for your guidance.

5. What's the main idea of the first two paragraphs?

   A. The author's mother suffered from serious Alzheimer's disease.

   B. The author's mother forgot who's his son.

   C. The author didn't know how to cure his mother.

   D. The author's mother couldn't find her home.

6. What's the meaning of the underlined word "pictured" in Paragraph 3? 

   A. Photographed. B. Appeared.

   C. Described. D. Painted.

7. What can you infer from the third paragraph?

   A. The author care much about his mother.

   B. The author's mother was fond of pet lambs.

   C. The author saw a little girl playing with a pet lamb.

   D. The author's mother didn't like her usual home.

8. What's the best title of the passage?

   A. Take Mother home

   B. Everyone from suffer with Alzheimer's disease

   C. A story about a son and a mother

   D. Where is home?

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