根据短文内容，从短文后的选项中选出能填入空白处的最佳选项，并在答题卡上将该项涂黑。选项中有两项为多余选项。

Are you a saver or a spender?

___1.___ This old saying calls attention to the wisdom of saving money. "Putting money away for a rainy day" is another way to talk about saving for the future.

People who hate to spend money are known as "tightwads," while those who like to get the most value for their money are called "thrifty." ___2.___A spendthrift is someone who spends wastefully. People like that are often said to spend money "like a drunken sailor" or "like there's no tomorrow."

In the United States, people who want to start a savings account have different choices of where to put their money. ___3.___ Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.

Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit（存款）pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. ___4.___ People can withdraw their money early but they have to pay a penalty(罚金).

In a number of countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%. ___5.___ Many European countries have higher rates, but Americans save more than families in Japan.

A. People are willing to save money for the future.

B. A penny saved is a penny earned.

C. Before gold, even kings take off their hats.

D. These include banks and credit unions.

E. Longer terms, and larger amounts, pay higher interest.

F. A thrifty person is different from a spendthrift.

G. This year the rate is expected to be a little more than four percent.

请根据汉语和首字母提示完成句子。

81. They ______ (抗议) to the mayor that the taxes were too high.

82. The chairman ______ (宣布) at the meeting the result of the election.

83. You can listen to soft music because I find it ______ (轻松).

84. Should the death penalty be a______ (废除)!

85. The situation closely r______ (相像) that of Europe in 1940.

86. The loud thunder gave me a f     (吃惊).

87. Only when people overcome their fears do they live c      (自信地).

88. The party was in c      (庆祝) of parents’ silver wedding.

89. All the students without e      (例外) must take the English examination.

90. The little girl will be a c______(伙伴) for my small daughter.

第二节 完形填空（20小题；每小题1.5分，满分30分）
阅读下面短文，从短文后各题所给的四个选项（A、B、C和D）中，选出可以填入空白处的最佳选项，并在答题卡上将该项涂黑。
Monty Roberts, owner of a horse ranch (牧场) in San Ysidro, once told us a story．“When a young man was a senior, he was asked to write a paper about what he wanted to   21   and do when he grew up．In his seven-page paper he described his   22   of someday owning a horse ranch．He drew a   23   floor plan for a 4,000-square-foot house that would   24   on a 200-acre dream ranch．Two days later he received his   25  back．On the front page was a   26   red F．The teacher said, ‘This is an   27   dream for a young boy like you．You have no money．Owning a horse ranch requires a lot of money.’ Then the teacher   28  , ‘If you will rewrite this paper with a more realistic goal, I will reconsider your   29   .’ The boy asked his father what he should do．His father said, ‘Look, son, you have to make up your own   30   on this．However, I think it is a very  31   decision for you.’   32  , after a week, the boy   33   the same paper, making no   34   at all．He stated, ‘You can keep the F and I’ll keep my   35  .’ Monty then turned to us and said, “I tell you this story   36   you are sitting in my 4,000-square-foot house in the middle of my 200-acre horse ranch．I still have that school paper framed (装框) over the fireplace.” He added, “The best part of the   37   is that two summers ago that same schoolteacher brought 30 kids to camp out on my ranch for a week．When the teacher was leaving, he said, ‘Look, Monty, I can tell you this now．When I was your teacher, I was   38   of a dream stealer．During those years I stole a lot of kids’ dreams．  39   you had enough determination not to give up on yours.”
Don’t let anyone   40   your dreams．Follow your heart, no matter what.
21．A．be            B．find      C．learn     D．see
22．A．reason         B．goal     C．purpose    D．way
23．A．rough          B．new     C．secret          D．detailed
24．A．live          B．locate       C．sit        D．run
25．A．mark         B．paper     C．plan     D．idea
26．A．large         B．tiny      C．beautiful   D．long
27．A．old           B．imaginative      C．impractical       D．interesting
28．A．shouted       B．smiled      C．replied      D．added
29．A．grade              B．need     C．honesty     D．ability
30．A．time         B．energy      C．mind     D．money
31．A．urgent         B．quick     C．important  D．good
3．A．Actually        B．Finally     C．Gradually D．Usually
33．A．turned down    B．turned around   C．turned to   D．turned in
34．A．comments       B．changes    C．judgment  D．answer
35．A．dream         B．courage    C．interest     D．spirit
36．A．though        B．because     C．until     D．if
37．A．incident       B．event     C．story     D．lesson
38．A．anything      B．nothing     C．everything       D．something
39．A．Fortunately      B．Strangely  C．Curiously  D．Probably
40．A．forget          B．steal     C．know     D．realize

Every year, major storms cause many problems around the world. There is nothing people can do to stop these powerful forces of nature. But new techniques are helping scientists to predict how, when, and where big storms will happen. The more exact scientists’ warnings are, the better people can prepare for the storms.
Predictions are improving. “We’re gotten better over the years, especially the last few years,” says Phil Klotzbach, a scientist at an American university. How is a storm formed? Even if scientists know where a storm will happen, winds can suddenly change, carrying the storm to a new direction. “For a hurricane to happen, conditions have to be just right, ” Klotzbach says.
First, the ocean water needs to be warm enough so that it evaporates and rises into the air. As it rises, the vapor（水蒸气）cools and turns back into liquid. This process gives off heat. This produces energy like an engine that causes winds to increase. It drives the formation of a hurricane.
If wind speeds reach 40 miles per hour, the system is called a “tropical storm”, and it gets a name. At 75 miles per hour, it becomes a hurricane.
Hurricanes that hit the US start when a thunderstorm forms off the coast of Africa. Storms also develop over tropical waters in other parts of the world.
On average, 60 or 70 storms form off Africa every year. About 10 of them get names. There are usually about six hurricanes. Two tend to be very big, with winds of 115 miles per hour or higher.
The hurricane season lasts from June to November. Ninety percent of all hurricanes hit in August, September, and October. 
1. According to the passage, hurricanes usually ________.
A. form off the coast of Africa and America
B. travel at 40 miles per hour and get its name
C. cause sea winds to rise and blow over the sea
D. hit parts of the world in summer and autumn
2. The underlined word “evaporates” (in Paragraph 5) probably means “________”.
A. begins to move  B. gets lost    C. becomes hot       D. changes into gas
3. Which of the following about the information of a hurricane is the correct order?
a. The ocean water evaporates and goes into the air.
b. Heat creates energy and causes winds to increase.
c. The vapor cools.
d. The ocean water is warm enough.
e. The vapor changes back into liquid.
f. This course gives out heat.
A. a, d, e, b, c, f     B. a, b, c, f, d, e  C. d, a, c, e, f, b    D. d, a, b, c, e, f
4. According to the passage, the speed of the biggest two hurricanes reaches ______.
A.115 miles per hour                 B.110 miles per hour
C.75 miles per hour                  D.95 miles per hour