According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．
Credit cards are the most convenient form of payment, and they are aggressively marketed to college students．Reportedly, a typical college student carries 4．6 credit cards and US $ 3,173 in credit card debt．
Credit cards seem to be a fact of life, not just student life． In the long term,  using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example．Your credit score can affect even unrelated things like insurance rates．Credit cards also offer more protection for users than debit cards（借记卡）．Under federal law, the credit card holder is only responsible for the first US  $ 50in fraudulent（欺诈的） purchases in cases of theft or loss．However, debit card users are responsible for the first US $ 500．                                   
SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information．Those who didn't get any guidance were more likely to be surprised when they found out how much they owed．
While credit cards offer the easiest access to money, they make it easy to live outside your means．Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates．
SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail． But when the credit card offers flow in, be sure that you read the fine print．Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off．
【小题1】What does the first paragraph imply?

According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．

Credit cards are the most convenient form of payment, and they are aggressively marketed to college students．Reportedly, a typical college student carries 4．6 credit cards and US $ 3,173 in credit card debt．

Credit cards seem to be a fact of life, not just student life． In the long term,  using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example．Your credit score can affect even unrelated things like insurance rates．Credit cards also offer more protection for users than debit cards（借记卡）．Under federal law, the credit card holder is only responsible for the first US  $ 50in fraudulent（欺诈的） purchases in cases of theft or loss．However, debit card users are responsible for the first US $ 500．                                   

SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information．Those who didn't get any guidance were more likely to be surprised when they found out how much they owed．

While credit cards offer the easiest access to money, they make it easy to live outside your means．Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates．

SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail． But when the credit card offers flow in, be sure that you read the fine print．Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off．

1.What does the first paragraph imply?

A．Most of the senior students are shocked to see how much they owed．

B．Students can only take out loans from credit cards．

C．Most of students' loans come from credit cards．

D．Credit cards have a bad effect on college students．

2.The underlined part "come in handy" in the third paragraph probably means “         ”

A．bring trouble                          B．make mistakes

C．be important                           D．be useful

3.According to SallieMae, what is the possible reason why students get so many credit card offers in the mail?

A．Many students' first credit card is based on direct mail．

B．it costs the banks little to mail out credit cards．

C．Students don't like to go to the bank to open a credit card account．

D．Banks have no other way to let students use their credit cards．

4.What is the theme of the third paragraph?

A．The advantages of using debit cards．

B．The similarities between credit cards and debit cards．

C．The advantages of using credit cards．

D．Credit cards are the most convenient form of payment．

5.According to SallieMae, how many students had not discussed credit issues with their parents?

A．l/3               B．2/3              C．l/4               D．3/4

Studying volcanoes is a demanding profession. Hazel Rymer frequently has to struggle through rainforests, climb to the top of mountains, then climb 200 metres into the crater of active volcanoes. But the 38-year-old volcanologist does her best to make it sound less alarming than it is. “Driving to work is more risky,” she insists. “And the deepest I go into the crater of a volcano is about 300 metres,” she adds, trying to make it all sound as ordinary as taking the dog for a walk.
Hazel has been studying volcanoes for a long time, so it’s not surprising she is used to the danger. Her interest in volcanoes began at school. A teacher gave her a book about Pompeii. “I remember reading about the eruption of Vesuvius and the destruction of the city,” she explains. “The thought of all those people just frozen in time had quite an effect on me and I am still excited by their dangerous beauty today.”
Nowadays, volcanoes are getting more and more unpredictable. There have been many changes in sea level caused by global warming and melting ice caps. These have resulted in some dormant volcanoes erupting, so studying them is more dangerous than ever before. Hazel says that although she doesn’t take any unnecessary risk she has had some frightening moments. Her worst experience was on the slopes of Mount Etna in Sicily, when she was slowly surrounded by lava. “I had a choice of walking ten hours to get around the lava flow or just walking across it,” she explains. She chose to pick a path across the cooler rocks in the lava stream. “I guess it was five metres. The flow was 1,000°C, so if you hesitated your boots would begin to melt. It was scary, but it really was a practical decision --- there wasn't time to do anything else.”
And what about the future? “I haven’t been to the volcanoes in Indonesia yet. And I would love to spend some time working in the Antarctic,” she says. “I would also like to know why quiet lava flows erupt from some volcanoes and why other volcanoes go bang.” In other words, Hazel Rymer won’t be exchanging her volcanoes for the relative safety of driving to work just yet.
【小题1】Hazel’s claim that “driving to work is more risky” than exploring volcanoes shows that ______.

Studying volcanoes is a demanding profession. Hazel Rymer frequently has to struggle through rainforests, climb to the top of mountains, then climb 200 metres into the crater of active volcanoes. But the 38-year-old volcanologist does her best to make it sound less alarming than it is. “Driving to work is more risky,” she insists. “And the deepest I go into the crater of a volcano is about 300 metres,” she adds, trying to make it all sound as ordinary as taking the dog for a walk.

Hazel has been studying volcanoes for a long time, so it’s not surprising she is used to the danger. Her interest in volcanoes began at school. A teacher gave her a book about Pompeii. “I remember reading about the eruption of Vesuvius and the destruction of the city,” she explains. “The thought of all those people just frozen in time had quite an effect on me and I am still excited by their dangerous beauty today.”

Nowadays, volcanoes are getting more and more unpredictable. There have been many changes in sea level caused by global warming and melting ice caps. These have resulted in some dormant volcanoes erupting, so studying them is more dangerous than ever before. Hazel says that although she doesn’t take any unnecessary risk she has had some frightening moments. Her worst experience was on the slopes of Mount Etna in Sicily, when she was slowly surrounded by lava. “I had a choice of walking ten hours to get around the lava flow or just walking across it,” she explains. She chose to pick a path across the cooler rocks in the lava stream. “I guess it was five metres. The flow was 1,000°C, so if you hesitated your boots would begin to melt. It was scary, but it really was a practical decision --- there wasn't time to do anything else.”

And what about the future? “I haven’t been to the volcanoes in Indonesia yet. And I would love to spend some time working in the Antarctic,” she says. “I would also like to know why quiet lava flows erupt from some volcanoes and why other volcanoes go bang.” In other words, Hazel Rymer won’t be exchanging her volcanoes for the relative safety of driving to work just yet.

1.Hazel’s claim that “driving to work is more risky” than exploring volcanoes shows that ______.

A. people have exaggerated the dangers of volcanoes in the past

B. Hazel does not really understand the dangerous situations she puts herself in.

C. there are many bad drivers in the place where Hazel lives

D. Hazel is being modest and understating the dangers she faces

2.When did Hazel first become interested in volcanoes?

A. When she was visiting Italy.

B. When she was at school.

C. When she was twenty.

D. When she saw Vesuvius.

3.The underlined word “these” (in paragraph 3) refers to __________.

A. melting ice-caps         B. volcanic eruptions

C. changes in sea level         D. higher temperatures

4.When Hazel was on Mount Etna she had to ________.

A. take a dangerous route

B. take an unnecessary risk

C. leave her boots behind

D. walk for ten hours around the mountain

5.In the future, Hazel wants to ________.

A. revisit volcanoes she knows

B. go on holiday to the Antarctic

C. find a less dangerous job

D. discover new things about volcanoes