阅读短文，并根据所读的内容在文章后表格中的空格里填入一个最恰当的单词，每个空格只填一个单词。

I used to be the messiest person alive. Over the years, through watching others and by trial and error, I have finally found ways to come up with plans, organize them and follow through with them.

Make an outline of everything you need to have and do to make your plan happen. Make a list of all of the steps that need to be accomplished and think about what needs to be done.

　 Detail everything thoroughly and read over it so you can start coming up with some mental solutions of how to carry out your plans.

　 You should ensure that if for some reason way one doesn’t work, you have way two and way three to lean back on. Therefore, different ways are needed at hand. It’s just a matter of being organized. Chances are that there is always more than one way of doing things, and chances are that if one of the other ones will.

　 Committing yourself to finishing at least at least part if not all of your plan at once is also necessary. It will show that you not only have initiative to get things rolling, but that you are interested in the results obtained with making the move to get everything done.

　 If you make a commitment to finish before a specific time, make sure that you carry that out, and be sure to do everything in the way you said you would, within the time-frame you set for your self.

　 Don’t try to tackle more things all at a time. All that does is to delay your progress, distract you and make you lose your interest, motivation and energy.

　 Carrying out an effective plan requires being as organized as possible. You will only achieve this by sticking to the order of the plan and not turn away from it or trying to do more at a time.

Last but not least, you should never abandon things mid-project. It will only annoy everyone around you including yourself. Unfinished plans are a waste of time, energy and, in some cases, even money.

　 So, don’t be afraid of organization. The older we get, the more necessary it becomes to have the skills necessary to follow through with confidence and to be able to carry through plans in an organized and manageable way. It pays to be organized, after all.

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

The measure of a man’s character is what he would do if he knew he would never be found out.?