完形填空。
     Years ago, in a small fishing village in Holland, a young boy taught the world about the rewards of unselfish
service.
     Because the entire village lived on fishing, a volunteer rescue team was needed in case of emergency. One
night, the winds   1  , the clouds burst and a strong storm overturned a fishing boat at sea. The crew in
trouble   2   the SOS. The captain of the rescue rowboat team   3   the alarm and the villagers   4   in the town
square overlooking the sea. When the team started their rowboat fought their way through the wild waves, the
villagers waited   5   on the beach, holding lamps to   6   the way back.
     An hour later, the rescue boat reappeared through the fog and the   7   villagers ran to greet them.
Falling   8   on the sand, the volunteers reported that the rescue boat could not hold any more   9   and they had
to leave one man behind. Even one more passenger would have surely  10  the rescue boat and all would have
been lost. 
      11 , the captain called for another volunteer team to  12  the survivor. Sixteen -year-old Hans stepped
forward. His mother grabbed his arm, crying, "please don't go. Your father  13  in a shipwreck (船只失事) 10
years ago and yo ur elder brother, Paul, has been lost  14  for three weeks. Hans, you are all I have left."
     Hans replied, "Mother, I have to go.  15  everyone said I can't go, let someone else do it? Mother, this time
I have to do my duty. When the call for service  16 , we all need to take our turn and do our part. Hans kissed
his mother, joined the team and  17  into the night."
     Another hour passed, which seemed to Hans' mother like a century.  18  the rescue boat dashed through the
fog with Hans standing up in the bow.  19  his hands, the captain called, "did you find the lost man?"  20  able
to control himself, Hans excitedly cried back, "Yes, we found him. Tell my mother it's my elder brother, Paul!"
(     )1. A. stilled        
(     )2. A. set about        
(     )3. A. sounded         
(     )4. A. gathered         
(     )5. A. nervously        
(     )6. A. hope            
(     )7. A. promising       
(     )8. A. uncomfortable    
(     )9. A. villagers       
(     )10. A. pushed          
(     )11. A. Anxiously     
(     )12. A. look after      
(     )13. A. died            
(     )14. A. in the fire     
(     )15. A. How about       
(     )16. A. comes          
(     )17. A. appeared        
(     )18. A. Therefore        
(     )19. A. Making          
(     )20. A. Hardly          
B. screamed    
B. sent out     
B. set          
B. followed     
B. angrily      
B. light        
B. hoping       
B. exhausted    
B. sailors      
B. pulled       
B. Strangely    
B. look for     
B. pulled       
B. at sea       
B. What for     
B. goes         
B. disappeared      
B. Firstly      
B. Keeping      
B. Only         
C. stopped        
C. came up with  
C. took           
C. fought           
C. fearfully      
C. expect        
C. cheering       
C. disturbed      
C. captains       
C. overturned     
C. Unexpectedly      
C. lookout       
C. went           
C. on strike     
C. What if         
C. flies          
C. came            
C. when          
C. Showing         
C. Seldom      
D. calmed          
D. took over      
D. made            
D. struggled         
D. happily         
D. try             
D. standing         
D. painful          
D. passengers                    
D. settled          
D. Doubtfully        
D. look on          
D. interrupted      
D. in the war    
D. What with        
D. climbs           
D. went              
D. Finally        
D. Cupping           
D. Always       

   Parents need to be good role models to help their children make sensible financial decisions, according to Adam Hancock and hs team, from East Caronlina University in the US. Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years. Their work is published online in Springer's Journal of Family and Economic Issues.

   Credit card debt among college students has been a growing concern for researchers and policymakers over the last decade. In addition, there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially. Hancock and colleagues' study is the first to examine how parental interactions, and financial knowledge and attitudes may have a cumulative effect(累积效应)on the number of credit cards students own and their level of credit card debt.

   The researchers analyzed data for 420 undergraduate students from seven different American universities, who took part in the College Student Financial Literacy Survey. According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one. Those students who reported that their parents argued about finances were more likely to have more than two cards than the students whose parents who did not argue about finances.

In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over $500.

The researchers conclude, "It is clear that the influence of parents cannot be neglected. Researchers, educators and policymakers should work in finding effective ways to increase the positive financial behaviors fo college students. We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root."

31. In Adam Hancock's research, student's credit card debt is related to their _________.

   A.knowledge            B.concerns           C.school            D.parents

32. When college students have credit card debt, they may ________.

   A.quit school                                B.fail in their exams  

   C.study financial knowledge                    D.have more credit cards

33. What can we infer from Paragraph 3?

   A. More than 400 students i a university took the survey.

   B. The survey was conducted with the paper questionnaire.

   C. Nearly all the students in this survey have credit cards.

   D. Students have fewer cards if their parents argue more.

34. If you have two or more credit cards, you are more likely to ________.

   A.get wealthy           B.have argument       C.buy more things   D.become in debt

35. As a student, what can yo learn from the passage?

   A. We need to turn to our parents when we have credit card debt.

   B. We should build correct financial attitudes when we are young.

   C. We shouldn't have credit cards so that we can avoid argument.

   D. We can have more credit cards to make life more comfortable.

                                      

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