According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US＄4,100 in debt, on top of whatever student loans they may have taken out.
Credit cards are the most convenient form of payment, and they are aggressively marketed to college students. Reportedly, a typical college student carries 4.6 credit cards and US＄3,173 in credit card debt.
Credit cards seem to be a fact of life, not just student life. In the long term, using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example. Your credit score can affect even unrelated things like insurance rates. Credit cards also offer more protection for users than debit cards （借記卡）.Under federal law, the credit card holder is only responsible for the first US＄50 in fraudulent(欺詐的)purchases in cases of theft or loss. However, debit card users are responsible for the first US＄500.
SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information. Those who didn’t get any guidance were more likely to be surprised when they found out how much they owed.
While credit cards offer the easiest access to money, they make it easy to live outside your means. Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates.
SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail. But when the credit card offers flow in, be sure that you read the fine print. Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off.
小題1: What does the first paragraph imply?
A．Most of the senior students are shocked to see how much they owed.
B．Students can only take out loans from credit cards.
C．Most of students’ loans come from credit cards.
D．Credit cards have a bad effect on college students.
小題2: The underlined part “come in handy” in the third paragraph probably means “_______”.
A．bring troubleB．make mistakesC．be importantD．be useful
小題3: According to SallieMae, what is the possible reason why students get so many credit card offers in the mail?
A．Many students’ first credit card is based on direct mail.
B．It costs the banks little to mail out credit cards.
C．Students don’t like to go to the bank to open a credit card account.
D．Banks have no other way to let students use their credit cards.
小題4:What is the theme of the third paragraph?
A．The advantages of using debit cards.
B．The similarities between credit cards and debit cards.
C．The advantages of using credit cards.
D．Credit cards are the most convenient form of payment.

小題1:C
小題2:D
小題3:A
小題4:C

試題分析： 本文敘述了一項(xiàng)關(guān)于學(xué)生使用信用卡的調(diào)查。據(jù)調(diào)查84%的大學(xué)生有信用卡，到他們畢業(yè)時(shí)，已累計(jì)負(fù)債4100美元，在他們?nèi)〉玫娜魏螌W(xué)生貸款之上。信用卡有很多優(yōu)點(diǎn)比如增加你的信用度，但學(xué)生應(yīng)該讀清條款慎重使用。
小題1:推理判斷題。根據(jù)“84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US＄4,100 in debt, on top of whatever student loans they may have taken out.”學(xué)生用信用卡貸款位于諸如此類的貸款之上。可知大多數(shù)學(xué)生貸款來自信用卡。故選C。
小題2:詞義猜測題。根據(jù)本句前半部分“In the long term, using a credit card properly and paying off the balance can help establish a card history and increase your credit score,”從長遠(yuǎn)看來，適當(dāng)?shù)剡\(yùn)用信用卡并及時(shí)償清余款，能幫助建立卡歷史并增加你的信用評分�？芍�(dāng)你需要一個(gè)重要貸款時(shí)這能有用。故答案選D。
小題3:細(xì)節(jié)理解題。根據(jù)“SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail. ”A
小題4:本段敘述的是信用卡是一個(gè)無法改變的事實(shí)，從長遠(yuǎn)來看，恰當(dāng)?shù)厥褂眯庞媚軒椭ń⒖v史，增加信用評分，這在你需要重要貸款時(shí)將會(huì)派上用場。信用卡甚至能影響一些不相干的事，比如保險(xiǎn)費(fèi)率。與借記卡相比信用卡能為使用者提供更多保護(hù)。這些都是使用信用卡的優(yōu)勢，故答案選C。
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科目：高中英語 來源：不詳 題型：閱讀理解

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D．childcare takes up too much energy and time for the British
小題5:To make it cheaper to have children , the British government is         
A．bringing down prices
B．raising the salaries of parents
C．reducing family income tax
D．increasing subsidies for families and nursery schools

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The evidence for harmony may not be obvious in some families. But it seems that four out of five young people now get on with their parents, which is the opposite of the popularly-held image of unhappy teenagers locked in their room after endless family quarrels.
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A．Negotiation in family.B．Education in family.
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And a further question to be asked is: Does taking part in a beauty contest show a woman’s  courage, wisdom and liberation or rather the opposite – a forced choice and a revolting act made under conditions of long-term discrimination?
Organizers of such beauty contests claim that the contestants are judged on qualities other than just their physical appearance. But still no answer is given to why there isn’t a Mr. Beauty or a Mr. World Contest? Or at least, why isn’t that kind of contest popular? Why is it that only women’s “qualities” need to be recognized but not men’s?
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The beauty contests go on year after year, with winners enjoying fame which quickly disappears. While such events go on and on, what never changes is the routine practice that in every fancy car show, a girl stands beside a fancy car. What never changes is the need to hold a women’s conference every year to appeal for the promotion of respect for and improvement of women. What never changes is the fate of women as a class. So let’s put more time and resources into trying to change all this rather than holding beauty contests.
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A．120 yearsB．a(chǎn)bout half a century
C．100 yearsD．a(chǎn)bout half a year
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A．Miss World Beauty Contest first began in China.
B．Women were not allowed to show their beauty in China.
C．120 women took part in Beauty Contest last week.
D．Miss World was 54 years old.
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A．Chinese women are not allowed to display beauty
B．the winner of Miss World is not as beautiful as his wife
C．some men are not shouting for the right person
D．people can accept a beauty contest in China now
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B．a(chǎn) Mr. World Contest should be held instead of a Miss World Contest
C．a(chǎn) boy should stand by a fancy car
D．women’s social status is still low
小題5:The best title for this passage is ____________.
A．What about a Mr. World Contest?
B．History of Miss World Contest.
C．Quality or Appearance?
D．A Boy Standing beside a Fancy Car.

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科目：高中英語 來源：不詳 題型：閱讀理解

Children's lives have changed greatly over the last 50 years．But do they have a happier childhood than you or I did?
It's difficult to look back on one's own childhood without some element of nostalgia（懷舊的）．I have four brothers and sisters, and my memories are all about being with them．Playing board games on the living room floor, or spending days in the street with the other neighborhood children, racing up and down on our bikes, or exploring the nearby woods．My parents scarcely appear in these memories, except as providers either of meals or of severe blame after some particularly risky adventure．
These days, in the UK at least, the nature of childhood has changed dramatically．Firstly, families are smaller, and there are far more only children．It is common for both parents to work outside the home and there is the feeling that there just isn't time to bring up a large family, or that no one could possibly afford to have more than one child．As a result, today's boys and girls spend much of their time alone．Another major change is that youngsters today tend to spend a huge amount of their free time at home, inside．More than anything this is due to the fact that parents worry far more than they used to about real or imagined dangers, so they wouldn't dream of letting their children play outside by themselves．
Finally, the kind of toys children have and the way they play is totally different．Computer and video games have replaced the board games and more interesting activities of my childhood．The irony（令人啼笑皆非的事情） is that so many ways of playing games are called "interactive”．The fact that you can play electronic games on your own further increases the sense of loneliness felt by many young people today．
Do these changes mean that children today have a less relaxing childhood than I had? I personally believe that they do, but perhaps every generation feels exactly the same．
小題1:What is the purpose of the direct question given in the first paragraph?
A．To show who the passage is written for
B．To gather people's opinions on childhood
C．To compare the childhood lives of two generations
D．To get people's attention and lead in the topic
小題2:Which is NOT a reason for the changes?
A．Families are smaller today
B．Toys can be played by children alone at home
C．It's too dangerous to play outside
D．Parents worried too much about their children
小題3:What has the writer focused on in the fourth paragraph?
A．Some games that young people play today aren't really good
B．Computer and video games have replaced the board games
C．Young people today shouldn't play electronic games
D．Board games are much more interesting than computer games
小題4:The writer's attitude towards the childhood changing is _____．
A．a(chǎn)pprovingB．objectiveC．unconcernedD．optimistic

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