Because of the financial crisis in the US and UK, college students are beginning to struggle to find ways to pay their tuition fees and accommodations.

Recently, two major US student loan lenders — Citibank and JPMorgan Chase — announced they were leaving the student loan industry altogether. Because banks currently have a lack of credit, they are reluctant to offer students low-interest loans that need a several-year wait for any return of interest.

In the US, many undergraduates top up their financial needs with a private loan, although the majority can get government-funded loans. In the 2005??-2006 academic year, $17 billion in private student loans was used to finance higher education. The shortfall in private funding has yet to be covered and will hit many US students hard.

Across the Atlantic, UK students have been less troubled by the crisis. Most undergraduates in the UK cover their university expenses with government-funded loans and grants (助学金). Their biggest concern is a sudden steep increase in student rent.

Most young professionals now rent houses, since 80 percent of UK mortgage schemes (住房抵押贷款计划) have disappeared — a direct result of the credit crisis. This has boosted the house rent market.

In large cities, UK students are paying almost 6.5 percent more in rent than the previous year. Figures from the UK organization Accommodation for Student show students in big cities such as London paying an average weekly rent of ￡103. Yet, despite students’ suffering, the number of this year’s university applications is expected to grow. During economic slumps (经济萧条时期), people regard further education as a way to survive tough job markets.

According to the passage, banks are unwilling to offer students loans because ________.

A．the students are poor and sometimes they can’t pay off the debt

B．banks prefer lending the money to the young professionals

C．banks don’t have enough money left at the present time

D．they think college students are not studying hard

The underlined phrase “top up” in Paragraph 3 probably means ________.

A．put up     B．make up     C．fill up    D．pick up

Which of the following is NOT true according to the passage?

A．UK college students have to pay more if they want to rent houses.

B．More UK students want to further their study in college.

C．It is not so easy for US students to loan money now.

D．College students’ tuition fees have risen greatly.

It can be inferred that ________.

A．there are no private student loan lenders in the UK

B．loans for US college students will be increased next year

C．private funding falls a little because of higher-interest loans in the US

D．private loans play a very important role in financing US students’ education

Since long ago,greeting cards have been considered a time-saver.More than 150 years ago,a busy Englishman,Sir Henry,asked a friend to design a card so that he didn't have to labour to write holiday letters to his friends at the end of the year.Those paper cards are now the tradition.

But time,like sunlight,is still in short supply for December.That's why the Internet is ready to make a change in holiday greeting customs.Already,those,who are always busy,like sending video greetings by e-mail.So,don't be surprised to find a lively card in your electronic mail box at the end of the year or at any time you should have one.

A recent survey by the Shared Greetings Company found 50 percent of all the Internet users will send online cards especially during the holiday seasons.“That is a lot easier,and it is lively,”said Carol,a New Yorker,who had stopped at the Shared Greetings Company demonstration() online.With her children's help,she sent her first e-card before Thanksgiving Day.“It was the first time I had done something like this;it's quite enjoyable,”she said.

“I will send online Christmas cards to my friends,”said Marcos,a 22-year-old student.“It costs so little and you can even send numbers of greetings at a time.”But he added “the e-card also has its limits,and I don't think it is ready to replace the paper card for the more formal or traditional occasions.For some people,I would rather buy paper cards and mail them traditionally.I believe it is more personal and respectful in that way,”he said.

Well,for those who are very busy but still prefer to do a lot of greetings to different receivers in the holiday season,the Internet may have another way.“Now you can use the Net to decide and send as many as 50 beautiful cards,which allows the buyer to choose the inside saying,as well as the ink colour and typeface,only costing about 30 minutes,”said Julie,vice-president of marketing for an electronic card company-Hallmark Company.“And if you are in less of a hurry,you can spend another 30 minutes sitting in your home or office to create a photo card,showing off your kids,your pets or even your new house-anything as your favorite design for your relatives and friends.”

How can we understand “But time,like sunlight,is still in short supply for December”in Paragraph 2?

A.December cannot supply enough time for people because the sunlight in this month is short.

B.People are always busy at the end of the year,so time is precious like the sunlight in winter.

C.Time is short at the end of the year,like the sunlight in December.

D.Time passes quickly like the sunlight in winter as December comes.

According to the 22-year-old student,he would probably mail e-cards to everyone except_________.

A.the members of his family

B.his girlfriend

C.the teachers who have taught him

D.his schoolmates

If you are quite busy,but having many greetings to send,which of the following is your best choice?

A.Ordering a lot of cards you like online and sending them from the post office.

B.Getting as many cards from your electronic mail box and mailing them on the Net.

C.Sitting and writing lots of beautiful cards at home and sending them just in a traditional way.

D.Choosing personalized cards in numbers and mailing them directly on the Net.

   Since my retirement(退休) from teaching music in 2001, I have spent a good deal of time painting as an artist. I actually began drawing again in the summer of 1995 when my father died, so perhaps I was trying to recover from the loss of my father, or maybe it was just that it brought back memories of him. In any case, I drew pen and ink animals and landscapes(风景画) much influenced(影响) by Krenkel and St. John for five years.

For some strange reason, I had been waiting until my retirement to start doing watercolors again, but as soon as I walked out of the school door for the last time I picked up my brushes and rediscovered Andrew Wyeth, who quickly became my favorite artist. I had looked through all the art books I had on my shelves and found his watercolors to be the closest to how I thought good watercolors should look. So I painted landscapes around Minnesota for three years and tried out many other types of painting. However, watercolors remained my first choice, and I think I did my best work there, showing my painting at a number of art exhibitions.

Art is now together with my piano playing and reading. There is a time for everything in my world, and it is wonderful to have some time doing what I want to do. As Confucius once said, “At seventy I can follow my heart’s desire.”

69．What is the text mainly about?

       A．Learning to paint in later life.                 B．How to paint watercolors.

       C．An artist-turned teacher.                       D．Life after retirement

70．The author started drawing again in 1995 because ___________.

       A．he hoped to draw a picture of his father

       B．he couldn’t stop missing his father

       C．he had more time after retirement

       D．he liked animals and landscapes

71．We can infer from the text that the author ____________.

       A．had been taught by Krenkel and St. John

       B．painted landscapes in Minnesota for 5 years

       C．believed Wyeth to be the best in watercolors

       D．started his retirement life at the age of seventy

72．How does the author probably feel about his life as an artist?

       A．Very enjoyable.                                    B．A bit regretful.

       C．Rather busy.                                        D．Fairly dull.

Since the pre-historic times, man has had an urge to satisfy his needs. Be it hunger, shelter or search for a mate, he has always controlled the situations to his advantage. Probably this might be the reason why we humans are the most developed of all living species on the earth. As we climbed the steps of development, we somehow left behind common sense and logical thinking -- we forgot that we have stopped thinking ahead of time.
If you are hungry, what do you do? Get a piece of your favorite meal and stay quiet. Just like your stomach, even your mind is hungry. But it never lets you know, because you keep it busy thinking about your dream lover, favorite star and many such things. So it silently began to care about your needs and never let itself grow. When mind looses its freedom to grow, creativity gets a full stop. This might be the reason why we all sometimes think "What happens next?", "Why can't I think?" "Why am I always given the difficult problems?" Well, this is the result of using our brain for thinking of not-so-worthy things.
Hunger of the mind can be actually satisfied through reading. Now why reading and not watching TV? Because reading has been the most educative tool used by us right from the childhood. Just like that to develop other aspects of our life, we have to turn to reading. You have innumerable number of books in this world which will answer all your "How to?" questions. The interesting part of the book is stored in your mind as a seed. Now this seed is unknowingly used by you in your future to develop new ideas. The same seed, if used many times, can help you link and relate a lot of things, of which you would have never thought in your wildest dreams! This is nothing but creativity. More the number of books you read, your mind will open up like never before.
【小题1】What is the function of the first paragraph?

A woman came out of her house and saw three old men sitting in her front yard. She said, "I don’t think I know you, but you must be hungry. Please come in and have something to eat." 
"Is the man of the house home?” they asked. "No", she replied, "He’s out." "Then we cannot come in", they replied.
In the evening when her husband came home, she told him what had happened. "Go to tell them I am home and invite them in!" The woman went out and invited the men in. "We do not go into a house together," they replied. "Why is that?" she asked. 
One of the old men explained that their names were Wealth(财富), Success and Love. Then he added, "Now go in and discuss with your husband which one of us you want in your home." 
The woman went in and told her husband what was said. Her husband was overjoyed and he suggested inviting Wealth to fill their home with wealth. And his wife wanted to invite Success; but their daughter-in-law suggested they should invite Love so that their home would be filled with love. At last the husband said to his wife. "Go out and invite Love to be our guest."
The woman went out and asked the three old men, "Which one of you is Love? Please come in and be our guest." 
Love got up and started walking toward the house. 
The other two also got up and followed him. Surprised, the lady asked Wealth and Success: "I only invited Love, Why are you coming in?" 
The old men replied together: "If you had invited Wealth or Success, the other two of us would have stayed out, but since you invited Love, wherever He goes, we go with him. Wherever there is Love, there is also Wealth and Success!" 
【小题1】The best title for this passage would be __________.