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.

I was very disappointed not to be able to go to the jazz concert last Friday. The announcement in the paper said that you could buy tickets at the theatre box office in Richland Hills any day between 10:30 a.m. and 4:00 p.m. Since I work from 9:00 a.m. to 5:30 p.m., the only time I could go to the theatre was during my 45-minute lunch break. Unluckily, the theatre is on the other side of the town, and the bus service between my office and Richland Hills is not very good. But if you are lucky, you can make the round trip in 45 minutes. Last Monday, I stood at the bus stop for 15 minutes waiting for a bus. By the time I saw one come around the corner, there was not enough time left to make the trip. So I gave up and went back to the office.

The same thing happened on Tuesday, and again on Wednesday. On Thursday, my luck changed. I got on a bus right away and arrived at the theatre in exactly 20 minutes. When I got there, however, I found a long line of people at the box office. I heard one man say he had been waiting in line for over an hour. Realizing I would not have enough time to wait in line, I caught the next bus and went back across the town. By Friday, I realized that my only hope was to make the trip by taxi. It was expensive, but I felt it would be worth to hear the concert. The trip by taxi only took 10 minutes, but it felt like an hour to me. When I got to the theatre, I was relieved to see that nobody was waiting in line. The reason, I quickly discovered, was that they had already sold out all the tickets.

1.The writer could go and buy the ticket __________.

A．any day before work hours

B．both before and after work hours

C．only during lunch time

D．on Saturday and Sunday

2.The writer tried to go to the theatre every day, but was only successful______.

A．twice                                 B．three times

C．four times                             D．five times

3.He failed to get the ticket on Friday because _________.

A．it was impossible to make the round trip to the theatre in 45 minutes

B．the concert wasn’t on Friday

C．it was expensive to take a taxi

D．all the tickets had been sold out

4.The word "______" can be used instead of the underlined(划线的)word "relieved".

A．nervous           B．terrified           C．pleased           D．sad

C

　　The villagers of Yaluma in Southern Mexico are some of the poorest people in the country. But now they have an extra source of income.They are being paid to grow and develop forests by the organization in charge of Formula One racing (一级方程式赛车),which pumps 5,500 tons of carbon dioxide (CO2) into the air every year.The idea is that the forests being planted around Yaluma will absorb this amount. It will also provide people there with money while wiping out motor racing's environmental debt.

　　Projects like this go under the name of "carbon trading". The basic idea is that governments and companies can buy the right to pump CO2 into the air by investing in green projrvyd. They can buy so-called "carbon credits" from countries which have succeeded in reducing CO2 emissions(排放物).

　　Supporters of carbon trading say that it brings money and green technology to poorer countries.It also provides a new way of doing busingess and spreading prosperity. They point out that the process of globalization will give people everywhere the most possible choice of products and services. Carbon trading is just another way of bringing that about. It is a "win - win" situation.

　　Opponents argue that nature comes before lifestyle. CO2 emissions need to be reduced, not bought and sold. And they believe that the rich world should lead the way.People might be willing to change the way they live to help save the world, but not to help the rich countries keep a lifestyle that depends on pollution.

　　Supporters of carbon trading believe in unlimited growth.Opponents believe that nature sets limits to the choices we make on how to live.It is "don't do " against "can do". It is life against lifestyle.

　　It is believed that modern lives are about choice.For example,the world can choose to take the danger of global warming seriously.And the sooner we choose to do it, the more choices we have about what to do next and the more time we have to do it in. We can also choose to pay no attention to the danger of global warming to keep our lifestyles. Then one day nature may give us no choice at all,and maybe not much of a life,either.

　　64.Carbon trading is discussed in the text in order to show the importance of ______ .

　　　A.reducing pollution B.taking care of forests

　　　C.spreading prosperity D.choosing lifestyle or nature

　　65."Carbon credits" may be used to ______.

　　　A.get the right to pump CO2 into the air

　　　B.get the right to pump CO2 into poor countries

　　　C.learn about the way to reduce CO2 emissions

　　　D.improve the way to reduce CO2 emissions

　　66.We can infer from the text that in the "win - win" situation _____.

　　　A.rich countries perform their duty to help poor countries

　　　B.poor countries get what they need from rich countries

　　　C.both rich countries and poor countries get what they need

　　　D.rich countries learn from poor countries in reducing pollution

　　67.In the opinion of people who are against carbon trading,the rich countries should ____.

　　　A.guide poor countries in reducing CO2 emissions

　　　B.show by example how to reduce emissions

　　　C.offer more help to save the world

　　　D.improve their lifestyles to keep the world clean

 A well-dressed man came into a famous jeweler shop. He explained that he wished to buy a pearl (珍珠) for his wife's birthday and that the price didn't matter since business had been very good for him that year. After examining a number of beautiful and valuable pearls, he chose a nice black one that cost $ 5,000. He paid for the pearl, shook hands with the jeweler and left.

    A few days later the man returned and said his wife had liked the pearl so much that she wanted another one just like it. It had to be exactly the same size and quality(质地) as she wanted a pair of earrings (耳环) made. "Can you give me any advice on how to get such a pearl?" said the man. The jeweler replied,   "I would say it's nearly impossible to find an exact one like that pearl.”

    The rich man asked the jeweler to advertise(登广告) in the newspapers, and offered $25,000 for the  matching pearl. Many people answered the ad(广告), but nobody had a pearl that was just right. Just when the jeweler had given up hope, a little old lady came in. To his surprise, she pulled the wonderful pearl from her handbag. "I don't like to sell it," she said sadly. "I inherited(继承) it from my mother, and my mother inherited from hers. But now I really need the money. "

    The jeweler was quick to pay her before she changed her mind. Then he called the rich man’s hotel to tell him the good news. The rich man, however, was nowhere to be found.

1. He paid$ 5,000 for the pearl without bargaining(讨价还价)______________.

A. because he loved his wife very much  

B. in order to get it as quickly as possible

C. since his business had been successful           

D. so as to make the jeweler believe him

2.Which of the following is true?

A. The people who answered the ad wanted to sell their pearls at a high price.

B. The woman was the well-dressed man's wife.

C. The jeweler was lucky enough to buy the little old lady's pearl.

D. The rich man didn't know the little old lady.

3.The jeweler could not find the rich man anywhere because he__________.

A. had moved to another hotel    B. was busy doing business with others

C. had escaped with $ 20,000     D. had told the wrong telephone number

Read the following reviews for movies that are showing at the moment. And then answer questions.

Happiness(Romance) ★★★★

Happiness tells the story of two people (Lisa Turbot and Danny Roy) who work for different advertising companies. They talk on the phone all the time and don't like each other. But then they correspond by email and fall in love. This movie will be very popular with teenagers and people who like romances. It also has beautiful music.

I Scream (Thriller) ★★

In I Scream, Paul (Colin Jacks) is a young man who joins a thriller club. Each of the members tries to frighten the others. Paul is told to stay in an old house for the night. Everyone who has tried to stay in the house before has died. This movie is very frightening but also quite silly. It doesn't make sense for Paul to stay in the house when things start to go wrong. Only for people who like thrillers.

Paul's Heroes (Comedy) ★★★

This is a very funny war movie set in World War Two. Six soldiers (including Sammy Turblow) have to get to Italy to take secret messages to the American army there. During the movie, they dress up as women and fight with Italian workers. You can guess the ending, but it's great fun getting there.

______________ (Drama) ★★★★

This is a very good drama with Jack Ross, who pays a hard-working truck driver. His wife becomes ill and he has to find a doctor who can help her. In his travels he meets Dr. Lloyd (Phil Driver) who has found the cure for the illness, but Jack Ross has only twelve hours to get the medicine back to his wife on the other side of America. This is an excellent movie, which is very exciting.

1..Which of the four movies is the least popular with people?

   A. The 1^st one.           B. The 2^nd one.          C. The 3^rd one.          D. The 4^th one.

2.. The underlined word "correspond" can be replaced by ______________.

   A. date              B. exchange          C. write               D. communicate

3..A thriller is most probably a film which tells something _______________.

A. frightening         B. instructive            C. humorous         D. interesting

4.. Which of the following is the best title for the fourth film?

   A. A Hard-working Truck Driver.              B. Medicine.

C. A Strange Illness.                        D. Twelve Hours.