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.

.

So you have been called for an interview-well done ? Your effort has been paid off . Now to get the job , you will fell better at the interview if you show an understanding of the nature of the organization .

Ask a member of family or a friend to act as the employer and to give you an unreal interview . Be as realistic as possible , answer the questions seriously . Afterwards discuss how it went .

Think about how the employer would prefer to see you look . Remember the majority of employers are over 30 .

It is not wise to rush out and buy new clothes which will be worn for the first time at the interview . You’ll feel more at ease (自在) in a familiar dress .

Carelessness in any of these could cost you the job . Arrive at least 15 minutes before time . This will give you a chance to have a look around , read the notice broad and get the feel of the place .

Being late at interviews produces a bad impression. The first impression the interviewer gets of you formed as you walk through the door , so take a couple of deep breaths .

Be ready to shake hands of the interviewer offers .

Don’t take a seat until asked . Then sit comfortably .

Make eye contact when you are greeted and again if you shake hands , and during questioning . Eye contact is a form of non-verbal(非语言的) greeting .

Remember the interviewer’s name and use it from time to time .

Be ready for the question “Is there anything you want to ask?” Before the interview you should get ready for two or three such questions. Look on these not just as a chance to get information but as a means to improve your prospects (前途)in the employer’s estimation(判断). 

Asking can show knowledge and avoid mistakes even before you begin . You can check on these later , when the hope for job is offered . 

And if you fail , look upon the interview as an experience in itself , learn from it .

We wish you good luck and good job hunting .

72．Before you go to see the employer , it is better for you to_____________ .

A．put on your newly-bought clothes

B．have you hair cut

C．buy some modern and beautiful ties , shoes . etc

D．find a dress which you’ve got used to

73．To make a good impression , it is important for yo_____________ .

A．to walk through the door quickly

B．not to see the interviewer’s eyes

C．to sit down in front of the interviewer

D．to remember the interviewer’s name and use it sometimes

74．The underlined word “eye contact” means_____________.

A．looking at each other for a long time

B．a kind of greeting without any words

C．shaking hands with the employer again and again

D．a way of getting a wonderful job

75．People usually do the following things before a job interview, which is the right order for doing them ?

a. Asking a friend to give you an unreal interview .

b. Understanding the nature of the organization .

c. Paying attention to your clothes .

d. Arriving at the place of the interview on time .

e. Getting some information from the advisers .

A．a, e, b, c, d     B．d, c, b, a , e     C．b, e, a , c, d     D．e, d, a , b, c

All police officers should be made to take a fitness test every year，with a pay cut for those who repeatedly fail，a review said.

In the Metropolitan Police，more than half（52 percent）of its men officers are over- weight, a fifth (22 percent) are obese, and one in 100 are“morbidly（病态地）obese"．For women officers in the Met，a third（32 percent) are overweight，16 percent are obese and 2 per-cent are morbidly obese.

Tom Winsor，who has carried out the widest-ranging research of police pay and conditions in more than 30 years，said those who fail the test three times should face a pay cut. Chief constables(郡警察局局长）should be able to fire any officer as part of budget cuts， ending a job for life. It also recommended that applicants should be able to enter the police service directly at inspector rank，and，"after strict testing"，at superintendent(主管）rank.

Mr Winsor said：“I think the public will be surprised that after passing a fitness test when they join the police，physical fitness is not tested again in a 30，35-year career.＂

An initial(最初的）yearly test requiring officers to reach level 5’4 on the bleep test should be brought in by September next year. This is equal to an average speed of 8. 8kph（5．5mph) for three minutes 35 seconds，he said. But this should get tougher by September 2018，along similar lines to the test currently used in Northern Ireland. This includes climbing over walls and pulling bodies and was designed to reflect situations which“police officers do and can become involved in"．

Mr Winsor expected that many officers would welcome the proposals，saying they would see it“as a necessary protection for themselves and the public"．

1.According to the passage，most of the police officers      ．

A．do their work well                       B．are out of shape

C．are relatively healthy                    D．take regular exercise

2.It is suggested that if they fail the fitness test three times．they should      

A．have their pay reduced                   B．have to be fired

C．have to do other jobs                    D．pay money as a guarantee

3.In order to cut the budget，Chief constables      ．

A．try their best to make policeman a life-long career

B．must hire policemen after strict testing

C．have the right to fire those who are unfit for the job

D．recommend applicants become police directly at inspector rank

4.It is predicted that many officers would like the yearly test because      ·

A．they would get healthier after the test

B．they could protect themselves and others

C．they would be able to get higher pay

D．they could practise rock climbing

.
So you have been called for an interview-well done ? Your effort has been paid off . Now to get the job , you will fell better at the interview if you show an understanding of the nature of the organization .
Ask a member of family or a friend to act as the employer and to give you an unreal interview . Be as realistic as possible , answer the questions seriously . Afterwards discuss how it went .
Think about how the employer would prefer to see you look . Remember the majority of employers are over 30 .
It is not wise to rush out and buy new clothes which will be worn for the first time at the interview . You’ll feel more at ease (自在) in a familiar dress .
Carelessness in any of these could cost you the job . Arrive at least 15 minutes before time . This will give you a chance to have a look around , read the notice broad and get the feel of the place .
Being late at interviews produces a bad impression. The first impression the interviewer gets of you formed as you walk through the door , so take a couple of deep breaths .
Be ready to shake hands of the interviewer offers .
Don’t take a seat until asked . Then sit comfortably .
Make eye contact when you are greeted and again if you shake hands , and during questioning . Eye contact is a form of non-verbal(非语言的) greeting .
Remember the interviewer’s name and use it from time to time .
Be ready for the question “Is there anything you want to ask?” Before the interview you should get ready for two or three such questions. Look on these not just as a chance to get information but as a means to improve your prospects (前途)in the employer’s estimation(判断). 
Asking can show knowledge and avoid mistakes even before you begin . You can check on these later , when the hope for job is offered . 
And if you fail , look upon the interview as an experience in itself , learn from it .
We wish you good luck and good job hunting .
72．Before you go to see the employer , it is better for you to_____________ .
A．put on your newly-bought clothes
B．have you hair cut
C．buy some modern and beautiful ties , shoes . etc
D．find a dress which you’ve got used to
73．To make a good impression , it is important for yo_____________ .
A．to walk through the door quickly
B．not to see the interviewer’s eyes
C．to sit down in front of the interviewer
D．to remember the interviewer’s name and use it sometimes
74．The underlined word “eye contact” means_____________.
A．looking at each other for a long time
B．a kind of greeting without any words
C．shaking hands with the employer again and again
D．a way of getting a wonderful job
75．People usually do the following things before a job interview, which is the right order for doing them ?
a. Asking a friend to give you an unreal interview .
b. Understanding the nature of the organization .
c. Paying attention to your clothes .
d. Arriving at the place of the interview on time .
e. Getting some information from the advisers .
A．a, e, b, c, d     B．d, c, b, a , e     C．b, e, a , c, d     D．e, d, a , b, c

The lights dimmed，the musical hall grew quiet and out walked the conductor (指挥) shiny and white and 4 feet and 3 inches tall.

ASIMO, a robot designed by Honda Motor Co., met its latest challenge Tuesday evening: Conducting the Detroit Symphony (底特律交响乐团), in a performance of “The Impossible  Dream” from “Man of La Mancha”．

“Hello, everyone，” ASIMO said to the audience in a childlike voice, then waved to the orchestra. As it conducted, it perfectly mimicked (模仿) the actions of a conductor,

nodding its head at various sections and gesturing with one or both hands. ASIMO took a final bow to excited shouts from the audience. Later, cellist Yo－Yo Ma joined ASIMO onstage to receive an award for his efforts in music education.

Honda spokeswoman Alicia Jones says it is the first time ASIMO has conducted an orchestra, and it may be the first time any robot has conducted a live performance. But ASIMO has its  limits. ASIMO's engineers programmed the robot to mimic Charles Burke, the Detroit Symphony's education director, as he conducted the piece in front of a pianist about six months ago. But it can't respond to the musicians.

“It's not a communicative device. It simply is programmed to do a set of gestures，” said Leonard Slatkin, the orchestra's musical director. “If the orchestra decides to go faster, there's nothing the robot can do about it. Hopefully, I keep that under control.”

But several musicians also said ASIMO was more realistic than they expected. “The movements are still a little stiff (僵硬的), but very humanlike, much better than I thought，” Hutchinson said.

1.What's the audience's response to ASIMO's performance?

2.Whose conducting was ASIMO made to copy?

3.We can learn from the passage that ASIMO ________.

4.What would be the best title for this passage?