A study involving 8,500 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 five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man 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 die 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 to 29 is just ?? 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than ?? 10.000. 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 issues, and the younger they become aware of them, the more likely they arc to become responsible, forward-planning adults who manage their finances confidently and effectively."

Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.

1. Which of the following can be found from the five-year research project?

A. Students understand personal finances differently.

B. University tuition fees in England have been rising.

C. Teenagers tend to overestimate their future earnings.

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

2. The phrase "to raise the ceiling" in paragraph 2 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

3. According to Stephen Moir, students_______.

A. are too young 10 be exposed 10 financial issues

B. should learn 10 manage their finances well

C- should maintain a positive attitude when facing loans

D. benefit a lot from lessons on personal finance

4. What can we learn from the passage?

A. Many British teenagers do not know money matters 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.

A study involving 8,500 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 NatWesl that has started a five-year 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 die 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 to 29 is just ?? 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than ?? 10.000. 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 issues, and the younger they become aware of them, the more likely they are to become responsible, forward-planning adults who manage their finances confidently and effectively."

Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweather aged 15 from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.

Which of the following can be found from the five-year research project?

A. Students understand personal finances differently. 

B. University tuition fees in England have been rising.

C. Teenagers tend to overestimate their future earnings.

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

The phrase "to raise the ceiling" in paragraph 2 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

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

What can we learn from the passage?

A. Many British teenagers do not know money matters 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.


第三节:完形填空(共20小题;每小题1.5分,满分30分)
阅读下面短文,掌握大意,然后从41-60各题所给的四个选项(A、B、C和D)中,选出最佳选项,并在答题卡上将该项涂黑。
At a young age, her doctor told Patti Wilson she was an epileptic(羊癫疯患者). Her father was a morning jogger. One day she   31   and said, “Daddy, what I’d really love to do is run with you every day, but I’m afraid I can’t do it.” Her father   32    her to start running.
That’s just what they did every   33  . It was a   34   experience for them. After a few weeks, Patti said, still smiling, “Daddy, what I’d really love to do is break the world’s long-distance running record for  35   .”
Her father   36    The Guinness Book of World Records and found that the farthest distance any woman had run was 80 miles. As a freshman(新生) in high school, Patti    37   , “I’m going to run from Orange County up to San Francisco(about 400 miles).” “As a sophomore(二年级学生),” she went   38   , “I’m going to run to Portland, Oregon(about 1,500 miles). As a junior I’ll run to St. Louis(about 2,000 miles). As a senior I’ll run to the White House (about 3,000 miles).”
In   39   of her disease, Patti was as ambitious(有野心的) as she was enthusiastic. She looked at being an epileptic as simply “an   40  ”. She focused not on what she had   41   , but on what she had left.
That year, together with her father, she completed her   42   to San Francisco wearing a T-shirt that   43  , “I love Epileptics.”
In her sophomore year, Patti’s classmates got behind her. They made a huge poster that read, “Run, Patti, Run!” This has since   44   her motto and the title of a book she has written. During this marathon, she broke a bone in her foot. A doctor told her that she had to   45     her run. But Patti said she wasn’t running for herself; she was   46   to break the chains on the brains that limited so many others. She asked the doctor   47    or not there was a way she could keep running. He said he could wrap it in adhesive(粘合剂)  48   putting it in a cast(石膏), but he   49   her that it would be extremely painful. She told the doctor to wrap it up.
Later, after four months of running from the West Coast to the East Coast, Patti arrived in Washington and shook the hand of the President of the United States. She told him, “I wanted people to know that epileptics are normal human beings with   50   lives.”
31. A. smiled         B. cried           C. laughed         D. wept
32. A. agreed         B. suggested       C. encouraged       D. promised
33. A. afternoon        B. morning         C. night           D. evening
34. A. terrible         B. fortunate        C. dangerous      D. wonderful
35. A. women         B. men            C. students         D. patients
36. A. questioned      B. checked          C. inspected       D. interviewed
37.A. broadcasted      B. told           C. informed        D. announced
38. A. up             B. forward          C. on              D. upon
39. A. honor         B. view           C. favor           D. charge
40. A. accident              B. coincidence           C. influence       D. inconvenience
41. A. lost             B. dropped         C. improved       D. received
42. A. distance              B. task            C. run            D. study
43. A. showed         B. said            C. wrote                D. read
44. A. come           B. become          C. gone          D. went
45. A. continue         B. stop            C. keep            D. struggle
46. A. working          B. jogging          C. walking             D. running
47. A. whether              B. when          C. if               D. where
48. A. in addition to      B. in spite of       C. instead of       D. regardless of
49. A. asked           B. warned           C. advised          D. comforted
50. A. common         B. unique         C. special           D. normal


II、阅读(共两节,满分50分)
第一节阅读理解(共20小题;每小题2分,满分40分)
阅读下列短文,从每题所给的A、B、C和D项中,选出最佳选项,并在答题卡上将该项涂黑。
A teenage girl is fighting for her life today after being struck by lightning as severe thunderstorms swept across Britain. The girl was one of four teenage girls from London who were hit by lightning in the Parade Ground area of Hyde Park during a storm. Earlier, Joseph Wharton, 14, died as he was struck by lightning while camping in his friend’s backyard in the West Midlands.
A spokesman for Scotland Yard said the girl remained in serious condition at St. Mary’s Hospital in Paddington. She had stopped breathing by the time the first paramedic (护理人员) arrived on the scene just two minutes after the strike at 5:40 p.m. yesterday.
The other three girls hit by the bolt all had injuries, and were taken to University College Hospital. Their conditions were not serious, the spokesman added.
The strike lifted the girls into the air and then dropped them to the ground, a witness reported.
A spokesman for the London Ambulance Service said paramedics risked their lives to treat the girls. “The storm was still overhead and lightning was still coming down while they were treating the patients,” he said. “All staff involved acted very professionally in providing fast treatment to these patients in very difficult circumstances.” Scotland Yard said the incident was being looked into by officers from the Royal Parks’ Operational Command Unit.
Joseph Wharton of Byland Way, Bloxwich, was hit during the extended thunderstorm which struck the region yesterday morning. He was pronounced dead at Walsall Manor Hospital.
He had been sleeping in a tent while staying with school friend Michael Lees at a house on nearby Cresswell Crescent.
West Midlands Ambulance Service said paramedics were called at 7:50 a.m. and unsuccessful attempts were made to revive(使苏醒)the sports-mad teenager. A spokesman for the Royal Society for the Prevention of Accidents said four or five people die each year as a result of lightning strikes in the UK.
26、All four girls________.
A. were killed by the lightning                B. were seriously injured
C. were being treated at the same hospital   D. were lifted up and dropped to the ground
27、The underlined word “bolt” probably means “________”.
A. thunder             B. rain                  C. storm                      D. lightning
28、Which of the following is TRUE according to the passage?
A. The boy was killed after the four girls had been hit.
B. The paramedics began to treat the girls after taking them to the hospital.
C. First-aid was given to the girls during the storm.
D. The boy was hit by lightning in the Parade Ground area of Hyde Park.
29、It can be inferred from the passage that ________.
A. many British people die from lightning strikes every year
B. the writer blames the government for the accident
C. the paramedics could also have been hit by lightning while aiding the girls
D. Joseph had been playing in the open air before the strike
30、This passage is probably taken from a ________.
A. magazine       B. newspaper   C. science fiction    D. weather report

Agnes Miller was one of the earliest leaders of the Women’s Liberation Movement in the United States. She was born on a farm in Missouri in 1892. Strangely enough she had a very happy life as a child. She was the only daughter and the youngest child of five. Her parents and her brothers always treated her as their favorite.

In 1896 the family moved to Chicago. Three years later they moved back to St. Louis where Agnes spent the rest of her childhood. She enjoyed her years in school and was an excellent student of mathematics. She also was quite skillful as a painter.

It was when Agnes went off to college that she first learned that women were not treated as equals. She didn’t like being treated unequally but she tried not to notice it. After graduating from college she tried to get a job in her major field—physics. She soon found it was almost impossible for a woman.

Agnes spent a full year looking for a job. Finally she gave up in anger. She began writing letters of anger to various newspapers. An editor in New York liked her ideas very much. He specially liked her style. He asked her to do a series of stories on the difficulties that women had in finding a job. And there she began her great fight for equal rights for women.

1.Where did Agnes spend her childhood?

A.Missouri.

B.Chicago.

C.New York.

D.St. Louis and Chicago.

2.At school, Agnes was good at      .

A.physics and painting

B.maths and painting

C.writing and maths

D.physics and writing

3.What happened in Agnes’s life when she was in college?

A.She learned to accept the fact that men and women were unequal.

B.She learned that it was impossible for a woman to be a scientist.

C.She came to know of the inequality between men and women.

D.She developed her personal way of writing.

 

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