4、 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 lending 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 overborrowed，so have we overspent．In late 1986，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.
1．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．
2．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
3．What does the author suggest as a way to deal with overborrowing?
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．
4．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 overborrowing．
3、Every person leaves a footprint. That’s what I learnt when I started to work as a private investigator 10 years ago．People pay restaurant bills with their bank card，check into hotels or travel around. In every case，they leave a trace．And because of this，I’m able to track them down even when they don’t want to be found．
The first thing I do when I want to find out where someone is staying is to go to the neighbourhood where he used to live．It’s human nature to tell stories—which is why neighbours will tell me all they know when I ring at their houses．Sometimes，someone even talks about his friend’s dishonesty．Then I produce a pattern of my subject’s life：if he likes to have a holiday in Spain or in Italy，if he prefers two- or three- star hotels and where he might hide his assets(资产)．When I’ve got this life pattern，I start my research．
Nine times out of l0，I find the people I’m looking for．I once investigated a lorry supplier who owed ￡500,000 to a subcontractor(分包商)．The subcontractor wanted to find out if it was worth bringing charges against the supplier．I found out the supplier had moved assets to his son，who founded a new company offering the same product．It was a11 done within the law．There was no money to be got from that operation．
However, I asked the son if I could speak to his father and he told me that his parent was on a long holiday in Spain and wouldn’t be back for a while．It didn’t take me long to find out that the father wasn’t in Spain．
I went back to the son and this time he told me that his father might be in Bulgaria, and I found him doing winter sports in a beautiful mountain area．He was 1iving in a big house on a 1arge piece of land he had bought for ? 400，000．This was exactly the kind of asset my customer was looking for．
1．We learn from the text that a private investigator is one who_______.
A．follows people reports on what they do
B．helps people start businesses
C．gives advice to people about the law
D．settles arguments between companies
2．Why does the author visit the place where his subject used to stay？
A．To find out hi hidden assets．
B．To gather information about him．
C．To discover why he is dishonest．
D．To find out where he spends his holiday．
3．The lorry supplier moved his assets to his son in order to______．
A．pass on his debt to his son
B．double the business of his company
C．le this son take over his lorry business
D．prevent paying back the money he owed
4．We may infer from the text that the subcontractor might______.
A．bring charges against the lorry supplier’s son
B．give up hope of settling the debt
C．sell the big house in Bulgaria
D．get his money back
2、 此题要求改正所给短文中的错误。对标有题号的每一行作出判断：如无错误，在该行右边横线上画一个勾（√）；如有错误（每行只有一个错误），则按下列情况改正：
此行多一个词：把多余的词用斜线（╲）划掉，在该行右边横线上写出该词，并也用斜线划掉。
此行缺一个词：在缺词处加一个漏字符号（∧），在该行右边横线上写出该加的词。
此行错一个词：在错的词下划一横线，在该行右边横线上写出改正后的词。
注意：原行没有错的不要改。
Dear Casey,
You asked in your last letter about my spare
time activities. Well, I like much more than one, 1.__________
such as painting and model making, so my favorite 2.__________
is dancing. I started when I was eight year old, 3.__________
and it's great fun! Dancing was not difficult. If 4.__________
you want to do it good, you need to find a good 5.__________
dancing teacher and taking lessons regularly. 6.__________
That's I did and I also had to take exams every 7.__________
six months. Now, I've stopped go to lessons. 8.__________
I sometimes take part in performances at our 9.__________
school, that I really enjoy very much. 10.__________
Regards,
Minmin
1、 假定你是李华，将去英国某学校短期学习，被安排住在Smith先生家。请你写封短信与其取得联系并询问以下情况：
1．住宿条件；
2．膳食安排；
3．交通情况。
注意： 1．词数100左右；
2．可以适当增加细节，以使行文连贯；
3．开头语已为你写好。
Dear Mr Smith，
I’m Li Hua from China, writing to ask about my stay with your family.
__________________________________________________________________________
____________________________________________________________________________
Yours，
Li Hua
34、假定你是李华。应英国朋友Bob的要求，写一封短信介绍你校图书馆的基本情况。内容须包括下面两幅图中的相关信息。 注意：1.词数100左右;2.可以适当增减细节，以使行文连贯;3.开头语已为你写好。
Dear Bob,
Thank you for your last letter asking about our library.
33、找出与所给单词划线部分读音相同的选项。语音知识
1champion A. opinion B. region C. occasion D. conclusion
2. mainly A. mountainous B. certain C. captain D. sail
3. wisdom A. sunset B. insect C. possession D. promise
4. volcano A. location B. dishonest C. method D. protection
5. scholarship A. champion B. dutchman C. technique D. church
评卷人
得分
三、书面表达
（每空？ 分，共？ 分）
32、-- I was wondering if we could go skiing on the weekend.
-- _______good. A. Sound B. Sounded C. Sounding D. Sounds
31、I had travelled only two hours one day _____ the winds increased so much that I had to put my tent up ____ the winds became too strong.
A. when; before B. then; but C. while; because D. but; before
30、The biggest problem for most plants, which ________ just get up and run away when threatened, is that animals like to eat them.
A. shan’t B. can’t C. needn’t D. mustn’t
29、--- There is still a copy of the book in the library. Will you go and borrow ?
---No, I’d rather buy in the bookstore.
A .it; one B. one; one C. one; it D. it; it
