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.

第三部分：阅读理解（共12小题；每小题2分，满分24分）
阅读下列短文，从每题所给的A、B、C、D四个选项中，选出最佳选项，并在答题卡上将该项涂黑。
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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.
【小题1】 Which of the following can be found from the five-year research project?

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       B．Go to the Snowdonia Centre

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       D．Visit Acapulco and Hawaii

In what way is the Snowdonia Centre different from the other two holidays?

       A．It provides chances of family gatherings.

       B．It provides customers with good food.

       C．It offers a sport lesson.

       D．It offers comfortable room.

What is special about the World Sea Trip of 2008?

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       B．You can sleep on a ship and tour many places.

       C．You will have chances to watch and act in a play.

       D．You have to do your own packing and unpacking.

How many novels written by Fitzgerald are mentioned in the passage?

       A．5.     B．6.      C．7.      D．8.

Which of the following is the correct order to describe Fitzgerald’s life according to the pas sage?

       a. He became addicted to drinking.     

       b. He studied at St. Paul Academy.

       c. He published his first novel This Side of Paradise.

       d. The Great Gatsby won high praise.

       e. He failed to reorder his life.

       f. He joined the army and met Zelda.

       A．f-c-e-a-b-d       B．b-e-a-f-c-d       C．f-d-e-c-b-a       D．b-f-c-d-e-a

We can infer from the passage that Fitzgerald            . 

      A．had made some money when he met Zelda in Alabama.

       B．was well educated and well off before he served in the army

       C．would have completed more works if his wife hadn’t broken down

       D．helped his friend get rid of drinking while his wife was in hospital

passage is probably followed by a concluding paragraph about          . 

       A．Zelda’s personal life

       B．Zelda’s illness and treatment

       C．Fitzgerald’s friendship with Graham

       D．Fitzgerald’s contributions to the literary world

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【小题1】On which tour can you visit the United Nations?