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We often talk about ourselves as if we have permanent genetic defects(缺陷) that can never be changed. “I’m impatient.” “I’m always behind.” “I always put things 1 !” You’ve surely heard them. Maybe you’ve used them to describe ___2 .
These comments may come from stories about us that have been 3 for many years—often from 4 childhood. These stories may have no 5 in fact. But they can set low expectations for us. As a child, my mother said to me, “Marshall, you have no mechanical (操作机械的) skills, and you will never have any mechanical skills for the rest of your life.” How did these expectations 6 my development? I was never 7 to work on cars or be around 8 . When I was 18, I took the US Army’s Mechanical Aptitude Test. My scores were in the bottom for the entire nation!
Six years later, 9 , I was at California University, working on my doctors degree. One of my professors, Dr. Bob Tannbaum, asked me to write down things I did well and things I couldn’t do. On the positive side, I 10 down, “research, writing, analysis, and speaking.” On the 11 side, I wrote, “I have no mechanical skills.”
Bob asked me how I knew I had no mechanical skills. I explained my life 12 and told him about my 13 performance on the Army test. Bob then asked, “ 14 is it that you can solve 15 mathematical problems, but you can’t solve simple mechanical problems?”
Suddenly I realized that I didn’t 16 from some sort of genetic defect. I was just living out expectations that I had chosen to 17 . At that point, it wasn’t just my family and friends who had been 18 my belief that I was mechanically hopeless. And it wasn’t just the Army test, either. I was the one who kept telling myself, “You can’t do this!” I realized that as long as I kept saying that, it was going to remain true. 19 , if we don’t treat ourselves as if we have incurable genetic defects, we can do well in almost 20 we choose.
1. A. away B. off C. up D. down
2. A. them B. myself C. yourself D. others
3. A. said B. spoken C. spread D. repeated
4. A. as long as B. as far back as C. as well as D. as much as
5. A. basis B. plot C. cause D. meaning
6. A. lead B. improve C. affect D. change
7. A. encouraged B. demanded C. hoped D. agreed
8. A. means B. tools C. facilities D. hammers
9. A. therefore B. somehow C. instead D. however
10. A. settled B. turned C. took D. got
11. A. passive B. active C. negative D. subjective
12. A. experiences B. trips C. roads D. paths
13. A. unexpected B. poor C. excellent D. average
14. A. When B. What C. How D. Why
15. A. complex B. advanced C. common D. primary
16. A. arise B. separate C. suffer D. come
17. A. believe B. suspect C. adopt D. receive
18. A. weakening B. strengthening C. abandoning D. accepting
19. A. As a result B. At the same time C. In addition D. On the contrary
20. A. anything B. something C. nothing D. all
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We often talk about ourselves as if we have permanent genetic defects(缺陷) that can never be changed. “I’m impatient.” “I’m always behind.” “I always put things 1 !” You’ve surely heard them. Maybe you’ve used them to describe ___2 .
These comments may come from stories about us that have been 3 for many years—often from 4 childhood. These stories may have no 5 in fact. But they can set low expectations for us. As a child, my mother said to me, “Marshall, you have no mechanical (操作机械的) skills, and you will never have any mechanical skills for the rest of your life.” How did these expectations 6 my development? I was never 7 to work on cars or be around 8 . When I was 18, I took the US Army’s Mechanical Aptitude Test. My scores were in the bottom for the entire nation!
Six years later, 9 , I was at California University, working on my doctors degree. One of my professors, Dr. Bob Tannbaum, asked me to write down things I did well and things I couldn’t do. On the positive side, I 10 down, “research, writing, analysis, and speaking.” On the 11 side, I wrote, “I have no mechanical skills.”
Bob asked me how I knew I had no mechanical skills. I explained my life 12 and told him about my 13 performance on the Army test. Bob then asked, “ 14 is it that you can solve 15 mathematical problems, but you can’t solve simple mechanical problems?”
Suddenly I realized that I didn’t 16 from some sort of genetic defect. I was just living out expectations that I had chosen to 17 . At that point, it wasn’t just my family and friends who had been 18 my belief that I was mechanically hopeless. And it wasn’t just the Army test, either. I was the one who kept telling myself, “You can’t do this!” I realized that as long as I kept saying that, it was going to remain true. 19 , if we don’t treat ourselves as if we have incurable genetic defects, we can do well in almost 20 we choose.
1. A. away B. off C. up D. down
2. A. them B. myself C. yourself D. others
3. A. said B. spoken C. spread D. repeated
4. A. as long as B. as far back as C. as well as D. as much as
5. A. basis B. plot C. cause D. meaning
6. A. lead B. improve C. affect D. change
7. A. encouraged B. demanded C. hoped D. agreed
8. A. means B. tools C. facilities D. hammers
9. A. therefore B. somehow C. instead D. however
10. A. settled B. turned C. took D. got
11. A. passive B. active C. negative D. subjective
12. A. experiences B. trips C. roads D. paths
13. A. unexpected B. poor C. excellent D. average
14. A. When B. What C. How D. Why
15. A. complex B. advanced C. common D. primary
16. A. arise B. separate C. suffer D. come
17. A. believe B. suspect C. adopt D. receive
18. A. weakening B. strengthening C. abandoning D. accepting
19. A. As a result B. At the same time C. In addition D. On the contrary
20. A. anything B. something C. nothing D. all
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We often talk about ourselves as if we have permanent genetic defects(缺陷) that can never be changed. “I’m impatient.” “I’m always behind.” “I always put things 1 !” You’ve surely heard them. Maybe you’ve used them to describe ___2 .
These comments may come from stories about us that have been 3 for many years—often from 4 childhood. These stories may have no 5 in fact. But they can set low expectations for us. As a child, my mother said to me, “Marshall, you have no mechanical (操作机械的) skills, and you will never have any mechanical skills for the rest of your life.” How did these expectations 6 my development? I was never 7 to work on cars or be around 8 . When I was 18, I took the US Army’s Mechanical Aptitude Test. My scores were in the bottom for the entire nation!
Six years later, 9 , I was at California University, working on my doctors degree. One of my professors, Dr. Bob Tannbaum, asked me to write down things I did well and things I couldn’t do. On the positive side, I 10 down, “research, writing, analysis, and speaking.” On the 11 side, I wrote, “I have no mechanical skills.”
Bob asked me how I knew I had no mechanical skills. I explained my life 12 and told him about my 13 performance on the Army test. Bob then asked, “ 14 is it that you can solve 15 mathematical problems, but you can’t solve simple mechanical problems?”
Suddenly I realized that I didn’t 16 from some sort of genetic defect. I was just living out expectations that I had chosen to 17 . At that point, it wasn’t just my family and friends who had been 18 my belief that I was mechanically hopeless. And it wasn’t just the Army test, either. I was the one who kept telling myself, “You can’t do this!” I realized that as long as I kept saying that, it was going to remain true. 19 , if we don’t treat ourselves as if we have incurable genetic defects, we can do well in almost 20 we choose.
1. A. away B. off C. up D. down
2. A. them B. myself C. yourself D. others
3. A. said B. spoken C. spread D. repeated
4. A. as long as B. as far back as C. as well as D. as much as
5. A. basis B. plot C. cause D. meaning
6. A. lead B. improve C. affect D. change
7. A. encouraged B. demanded C. hoped D. agreed
8. A. means B. tools C. facilities D. hammers
9. A. therefore B. somehow C. instead D. however
10. A. settled B. turned C. took D. got
11. A. passive B. active C. negative D. subjective
12. A. experiences B. trips C. roads D. paths
13. A. unexpected B. poor C. excellent D. average
14. A. When B. What C. How D. Why
15. A. complex B. advanced C. common D. primary
16. A. arise B. separate C. suffer D. come
17. A. believe B. suspect C. adopt D. receive
18. A. weakening B. strengthening C. abandoning D. accepting
19. A. As a result B. At the same time C. In addition D. On the contrary
20. A. anything B. something C. nothing D. all
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Millions of Americans run to the bank or visit ATM when they need cash. They use credit cards when they want to buy clothes, VCRs, or television sets.
But there is an underclass—people with low incomes and no credit history—who visit their neighborhood pawnshops(当铺)when they need cash or a loan(贷款).
About 20 percent of the US population has no bank account. More than half of this group don’t have credit cards and cannot get bank loans.
“These people are borrowing an average of $50,” said John P. Caskey of Swarthmore College in Swarthmore, Pennsylvania. “If you add up in terms of how much dollar value pawnshop provide, they don’t look very important. If you add up how much of the population they serve or the number of loans they make, they are important.”
Because they make loans, pawnshops are a type of bank, often calling themselves “the bank of the little people”.
Caskey and Swarthmore student Brian Zidmund in 1989 looked at the importance of pawnshops in the US economy—the first serious study of the subject since the 1930s.
Their conclusion: pawnshops are the consumer’s lender of last resort(最后一招).
Pawnshop customers typically cannot get credit at banks. They have poor credit records, low and unstable incomes, or cannot maintain positive bank account balances.
Typically, pawnshop customers borrow relatively small amounts that traditional lenders are unwilling or unable to provide on a secured basis.
“If you look at total consumer credit, the amounts provided by pawnshops remain small,” Caskey said. “They are lending mainly to low-income people. In terms of the population they serve, they’re really important.”
In 1988, there were about 6,900 pawnshops in the United States—one for every two commercial banks. They made about 35 million loans, providing 1 percent of the nation’s consumer credit.
1. The best title for the passage would be ____.
A. Credit Cards for the Poor B. Banks for the Poor
C. Pawnshops VS Banks D. Commercial Banks
2. What does the underclass people do when they need cash?
A. They go to local banks for help.
B. They apply for credit cards.
C. They ask for a loan from large banks.
D. They apply for a loan in pawnshops.
3. What can we learn about pawnshops?
A. Poor people come to pawnshops as their last resort.
B. Most people prefer pawnshops for their need of cash.
C. Pawnshops are an important part of the state economy.
D. Pawnshops are not important because they make up only 1 percent of the nation’s
consumer credit.
4. According to John P. Caskey, pawnshops are important because ____.
A. they provide great dollar value to the poor
B. they make big loans to a lot of people
C. they are serving the majority of the population
D. they make a large number of loans to the poor
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