Some names have special meanings in popular American expressions. One day, an average Joe was walking down the street. An average Joe is a common person — either male or female. He did not know where he was going. So average Joe asked John Q. Public for directions to the nearest bank. John Q. Public is also a common person — male or female. “Jeez Louise,” said John Q. Public. This is an expression of surprise. “Don’t you know that all banks are closed today? It is Saturday.”

“For Pete’s sake.” said average Joe. This is also an expression used to show a feeling like surprise or disappointment. “I do not believe you,” said he. At that moment, Joe Blow was walking down the street with a woman. Joe Blow is also an expression for a common person. Now this Joe Blow was not walking next to a plain Jane. A plain Jane is a woman who is neither ugly nor pretty. The woman with Joe Blow was a real Sheila — a beautiful woman.

Average Joe asked the woman if all banks were closed on Saturday. “No way, Jose,” she answered. This is a way of saying “No.” “No way, Jose. Many banks are open on Saturdays.”

Average Joe did not know either of these two people from Adam. That is, he did not know them at all. But he followed their directions to the nearest bank.

When he arrived, he walked to the desk and said: “I am here to withdraw some money so I can pay my taxes to Uncle Sam”. This represents the United States government. The banker produced some papers and told him to sign his John Hancock at the bottom. A John Hancock is a person’s signed name — a signature. Historically, John Hancock was one of the signers of the United States Declaration of Independence. Hancock had a beautiful signature and signed his name larger than all the others.

1.The main idea of this text is that ______.

A. some popular American names have special stories

B. some popular American expressions have some special names

C. some popular American names have special meanings

D. some popular American expressions are interesting

2. Which of the following refers to an ordinary-looking woman?

A. An average Joe         B. John Q. Public         C. Joe Blow           D. A plain Jane

3.The name “Jeez Louise” is ______.

A. an expression of surprise                    B. a feeling like disappointment

C. an expression for a common man              D. a woman who is neither ugly nor pretty

  Spending beyond one’s means is becoming a national problem for Americans．Borrowing has become so easy that it takes great willpower for people to refuse it．“I received a number of gold MasterCard and gold Visa card offers in the mail during the past two months，”said one computer engineer at AT ＆T Bell Laboratories in Chicago．“I got three of them in one day last week．”

 Lenders are providing easy credit（信贷）for borrowers．Many banks now offer every borrower a great variety of credit，a service once offered almost only to big companies．Norwest Bank Minneapolis offers lending programs for cars and boats that can cut monthly payments nearly m half .Carmakers，too，are lengthening easier terms．Ford Motor Credit states that 45 % of its recent lendings has been for sixty months，rather than the sixty-six-month period that was usual before．

 The total consumer debt（债务）in the United States rose 73 percent between 1974 and 1984，as the debt for each man，woman，and child increased from $10，264 to $26，566．Huge debt now is present in our economy（经济）at all levels．As a nation，we are more than $7 trillion in debt，and the total keeps increasing astonishingly.

 As we have over borrowed，so have we overspent．In late 986，the share of after-tax income that Americans saved sank below 2 percent for a short time，less than half the figure at which we saved only 10 years ago．Americans now are buying from foreigners between about $50 and $100 billion more Mercedes and Toyotas, Paris fashions，and tours to Europe than the Boeing 747s， agriculture machinery , or Kansas wheat that the foreigners bought from America. The country could not produce and pay for all the things it wanted.

 To make a long story short, we Americans have serious problems in keeping down spending and keeping up personal savings．It is high time for us American people to learn the basics of long-term money management.

48．According to the author,  what is a main reason for Americans to overspend？

A.        Americans buy a lot of  foreign products．

B.        It is easy for Americans to manage their debts．

C.        Borrowing money has become a simple matter．

D.       Americans have more extra money than before．

49．Ford Motor Credit lengthens 45％of its lending to 60 months in order to_______．

A.        help more Americans to settle their debts

B.        encourage people to buy foreign cars

C.        make better use of its money

D.       attract more customers

   50．What does the author suggest as a way to deal with over borrowing?

A.        Teaching people how to manage money．

B.        Advising people on what to buy．

C.        Limiting the use of credit cards．

D.       Reducing average incomes．

   51．Which of the following points does the author wish to make?

A.        America should sell more of its products abroad．

B.        A healthy society has to learn to 1ive within its means．

C.        People’s income determines their money management．

D.       Government should prevent people from over borrowing．

It was about midday. I’d left work early in the morning to cash a cheque. I walked along to the bank, and found that there weren’t too many people about ten or eleven customers in there, which was pretty unusual for those central city banks.

    I waited until it was my turn and just went up to the desk and started to talk to the bank clerk. He had a really strange expression on his face -- just sort of blank stare at least I thought he was looking at me and then I realized he was staring over my shoulder.

    I began to turn round to see what he was looking at. At the same moment the outside bank guard came flying through the door and lay face down on the floor and following him through the door were three frightening masked men. They were carrying guns; at least I think the one in front was carrying a gun. Whether or not they said anything at that point I can’t remember to this day, or whether people just automatically put their hands up I’ve just no idea.

    For a few moments there was just total silence, suddenly broken by the telephone ringing and I remember thinking and wondering who was on the other end of the telephone. Nobody went to answer the telephone, so this thing just kept on ringing and ringing. Then two of the masked men went to the counter, jumped over it and got the cashiers and the bank clerks to start filling the bags with cash. While the two were getting the money, the one at the door who was covering us with the gun was a bit frightened. He started swearing at them, and telling them to hurry up, to get a move on. They jumped back over the counter. One of them slipped as he landed on the floor and fell over and the other two swore at him again. They left through the door. Warning us, “Don’t move, stay like that with your hands up for ten minutes.” And then they just disappeared. Again back to total silence. People put their hands down, I put my hands down but I just stayed exactly where I was.

What does the writer mean by saying “…a pretty unusual number for those central banks” in the first paragraph?

    A. More customers than usual were staying in the bank.

    B. Less bank clerks than expected were in the bank.

    C. There were often more than a dozen customers in the bank.

    D. More banks should be open to serve customers in the city center.

The bank clerk wore a blank expression on his face probably because ________.

    A. he was feeling upset at that moment

    B. he felt puzzled and sensed something terrible

    C. he was required to keep silence

    D. he was threatened with a gun by robbers

Which of the following is true according to the passage?

    A. The customers didn’t wait in line but jumped the queue because of the confusion.

    B. All the people in the bank except the writer put their hands up automatically.

    C. Nobody answered the phone because all the clerks were busy with work.

    D. the bank workers were forced to fill the robbers’ bags with cash.

What’s the best title of this passage?

    A. A Street Gang              B. A Strange Bank

    C. A Bank Robbery            D. A Horrible Adventure

It was about midday. I’d left work early in the morning to cash a cheque. I walked along to the bank, and found that there weren’t too many people about ten or eleven customers in there, which was pretty unusual for those central city banks.

    I waited until it was my turn and just went up to the desk and started to talk to the bank clerk. He had a really strange expression on his face -- just sort of blank stare at least I thought he was looking at me and then I realized he was staring over my shoulder.

    I began to turn round to see what he was looking at. At the same moment the outside bank guard came flying through the door and lay face down on the floor and following him through the door were three frightening masked men. They were carrying guns; at least I think the one in front was carrying a gun. Whether or not they said anything at that point I can’t remember to this day, or whether people just automatically put their hands up I’ve just no idea.

    For a few moments there was just total silence, suddenly broken by the telephone ringing and I remember thinking and wondering who was on the other end of the telephone. Nobody went to answer the telephone, so this thing just kept on ringing and ringing. Then two of the masked men went to the counter, jumped over it and got the cashiers and the bank clerks to start filling the bags with cash. While the two were getting the money, the one at the door who was covering us with the gun was a bit frightened. He started swearing at them, and telling them to hurry up, to get a move on. They jumped back over the counter. One of them slipped as he landed on the floor and fell over and the other two swore at him again. They left through the door. Warning us, “Don’t move, stay like that with your hands up for ten minutes.” And then they just disappeared. Again back to total silence. People put their hands down, I put my hands down but I just stayed exactly where I was.

1.What does the writer mean by saying “…a pretty unusual number for those central banks” in the first paragraph?

    A. More customers than usual were staying in the bank.

    B. Less bank clerks than expected were in the bank.

    C. There were often more than a dozen customers in the bank.

    D. More banks should be open to serve customers in the city center.

2. The bank clerk wore a blank expression on his face probably because ________.

    A. he was feeling upset at that moment

    B. he felt puzzled and sensed something terrible

    C. he was required to keep silence

    D. he was threatened with a gun by robbers

3.Which of the following is true according to the passage?

    A. The customers didn’t wait in line but jumped the queue because of the confusion.

    B. All the people in the bank except the writer put their hands up automatically.

    C. Nobody answered the phone because all the clerks were busy with work.

    D. the bank workers were forced to fill the robbers’ bags with cash.

4. What’s the best title of this passage?

    A. A Street Gang              B. A Strange Bank

    C. A Bank Robbery            D. A Horrible Adventure

Some names have special meanings in popular American expressions. One day, an average Joe was walking down the street. An average Joe is a common person – either male or female. He did not know where he was going. So average Joe asked John Q. Public for directions to the nearest bank. John Q. Public is also a common person – male or female. “Jeez Louise,” said John Q. Public. This is an expression of surprise. “Don’t you know that all banks are closed today? It is Saturday.”
“For Pete’s sake.” said average Joe. This is also an expression used to show a feeling like surprise or disappointment. “I do not believe you,” said he. At that moment, Joe Blow was walking down the street with a woman. Joe Blow is also an expression for a common person. Now this Joe Blow was NOT walking next to a plain Jane. A plain Jane is a woman who is neither ugly nor pretty. The woman with Joe Blow was a real Sheila – a beautiful woman.
Average Joe asked the woman if all banks were closed on Saturday. “No way, Jose,” she answered. This is a way of saying “no.” “No way, Jose. Many banks are open on Saturdays.”
Average Joe did not know either of these two people from Adam. That is, he did not know them at all. But he followed their directions to the nearest bank. [
When he arrived, he walked to the desk and said: “I am here to withdraw some money so I can pay my taxes to Uncle Sam”. This represents the United States government. The banker produced some papers and told him to sign his John Hancock at the bottom. A John Hancock is a person’s signed name – a signature. Historically, John Hancock was one of the signers of the United States Declaration of Independence. Hancock had a beautiful signature and signed his name larger than all the others.
45．The main idea of this text is that           .
A．some popular American names have special stories
B．some popular American expressions have some special names[
C．some popular American names have special meanings
D．some popular American expressions are interesting
46．Which of the following refers to an ordinary – looking woman?
A．A average Joe                                     B．John Q. Public
C．Joe Blow                                            D．A plain Jane
47．The name “Jeez Louise” is           .
A．an expression of surprise                      B．a feeling like disappointment
C．an expression for a common man          D．a woman who is neither ugly nor pretty
48．What does the banker really want to ask Joe to sign on the papers?
A．John Hancock.                                    B．United States Declaration.
C．His own name.                                    D．Uncle Sam.