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?

--How are your business goes wrong?

---But I have done all that is??? by law.

A. required? B. judged? C. requested?? D. desired

One of my. next-door neighbor is a sweet 92-year-old Polish lady. A few days ago, I came back from a trip. As I was  16 . my clothes in my room, I heard a(n)  17  , frantic(发疯的) knock on the door. It was 10:30 pm, and I wasn’t sure who it could be. I went downstairs and  18  the peephole, and saw that it was our sweet next-door neighbor.

I quickly  19  the door, and she seemed really distressed and kept  20 , Please help me. I need your help. The fire alarm won’t go off. Please help me.” I  21  told her that everything would be okay, and  22  her to her house to see what was going on  23  the fire alarm.

She  24  that the alarm had been going on and off inconsistently(反复无常的) for the past two hours, and that her  25  to call her daughter to come and fix it was fruitless. So I took a chair from her dining room table,  26  it, and looked at the tire alarm.

After twisting the fire alarm off, I blew into it, because sometimes  27  causes it to make strange noises. She seemed  28  but was literally shaking out of fear. I asked her  29  she was okay, and she said she was  30  , so I gave her a hug. I felt her shaking in my embrace, and held her  31  for a few minutes until she stopped shaking and sighed a breath of relief.

We then  32  and talked for ten minutes, until I felt that she was okay. and safe to sleep. She was so generous with  33  for being with her, but I thanked her for  34  me that hugs are indeed good tools! So, sometimes, a(n)  35  hug is a good and powerful way to hold someone going through a difficult period.

1.A. collecting           B. designing                         C. unpacking                        D. setting

2.A. constant             B. flexible                    C. rhythmic                          D. impressive

3.A. looked through          B. made out                         C. cut off                               D. turned to

4.A. closed                          B. moved                              C. locked                              D. opened

5.A. thinking              B. repeating                         C. complaining           D. screaming

6.A. frequently                   B. briefly                               C. immediately           D. roughly

7.A. required            B. accompanied                  C. inspected                         D. observed

8.A. for                       B .to                                       C. by                             D. with

9.A. predicted                    B. warned                   C. mentioned                       D. proved

10.A. attempt            B. suggestion                       C. responsibility                  D. permission

11.A. pressed            B. revolved                          C. crashed                            D. climbed

12.A. power                         B. dust                                   C. paper                                D. switch

13.A. determined               B. terrified                           C. relieved                           D. devoted

14.A. when                          B. how                                   C. why                                   D. if

15.A. afraid                          B. tired                                  C. sleepy                               D. pleased

16.A. casually                      B. tightly                               C. automatically                   D. abruptly

17.A. broke down               B. sped up                            C. sat down                          D. turned around

18.A. suffering                   B. regret                              C. shame                    D. gratitude

19.A. advising            B. reminding                       C. encouraging                   D. advocating

20.A. simple                        B. special                             C. official                             D. sudden

　Not everyone in the world requires the same amount of living space. The amount of space a person needs around him is a cultural (文化的) difference, not an economic one. Knowing your own psychological (心理的) space needs is important because they strongly affect your choices, including, for example, the number of bedrooms in the home. If you were brought up in a two-child family and both you and your sister or brother had your own bedrooms, the chances are if you have two children or more, that you also will offer separate bedrooms for them. In America, for example, they train people to want to have their own rooms by giving them their own rooms when they are babies. This is very unusual in the world. In many other countries, the baby sleeps in the same bed with his parents or in bed near them.
　　 The space in the home also shows a lot about psychological space needs. Some families gather closer to each other and the size of their house has nothing to do with it. Others have separate little corners where family members go to be alone.
　　 Although it is true that psychological space needs are not decided by economic reasons, they sometimes have to be changed a little because of economic pressure（压力）. It is almost impossible, however, to completely change your psychological space needs.
　
【小题1】The first sentence in Paragraph 1 “Not everyone in the world requires the same amount          of space” means “______”.

Carolyn Stradley is the founder of C&S Paving Ine.(铺路公司)in Atlanta, USA. In the following account, she recalls the job that challenged her   36   and skill but left her flying high.

“When the Atlanta Airport was under   37   in 1979,we were a new company struggling to make it. National Car Rental wanted to have 2500 square meters of dirt paved   38   the cars could be on site   39   the airport opened, and the official opening was only ten days away!   40   other local paving company wanted to do the job,   41   it couldn’t be done in such a short time.”

“Because we were new and really needed the work, we were   42   to try harder. We gave National Car Rental our offer and    43   our best effort to get the job finished within ten days. We also   44   them that if we failed, they would be no worse off,   45   they had plenty to gain if we succeeded.”

“We got the job and immediately went into   46   .Working at night needed lights, so I rented a machine to produce electricity for the site. Our   47   challenge was to keep the rock mixture   48   enough. All the available water wagons(洒水车)were rented out for the airport construction, and we certainly couldn’t afford to buy a new one.  49   ,I got a special   50   to rent fire engine hoses(消防水龙带)and connect them to nearby hydrants(消防);then I   51  held one of those hoses to   52   down the rock.”

“Those ten days were filled with challenges that  53   one creative idea after another. Nine days later, the night before the airport opened, National Car Rental was the  54  company that had cars on the parking lot.”

“The key to our success was having the    55   to take on any job and then being creative in our approach to getting it done.”

36.A.kindness            B. patience                C. imagination                     D. experience

37.A.construction       B. repair                 C. control                      D. development

38.A.after                     B. as                               C. for                           D. so

39.A.while                   B. since                        C. where                      D. when

40.A.Some                   B. Any                         C. No                           D. Every

41.A.stating                  B. reporting                  C. telling                      D. warning

42.A.able                            B. nervous                    C. afraid                       D. willing

43.A.supported             B. promised               C. continued                 D. improved

44.A.asked                   B. surprised                  C. reminded                  D. demanded

45.A.though                 B. but                          C. as                                D. unless

46.A.discussion             B. action                      C. practice                    D. production

47.A.next                            B. first                         C. past                         D. previous

48.A.cold                            B. wet                          C. loose                        D. clean

49.A.Naturally                  B. Obviously                C. Meanwhile               D. Instead

50.A.excuse                  B. order                       C. permit                      D. reason

51.A.exactly                 B. personally                C. angrily                            D. hardly

52.A.pull                   B. knock                      C. hit                           D. water

53.A.required               B. mixed                      C. followed                  D. formed

54.A.best                      B. last                          C. second                            D. only

55.A.courage                B. interest                     C. hope                        D. Chance