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 NatWest that has started a five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.
University tuition fees (學(xué)費(fèi)) 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 arc 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 Fairweathcr. 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.
1. Which of the following can be found from the five-year research project?
A. Students understand personal finances differently.
B. University tuition fees in England have been rising.
C. Teenagers tend to overestimate their future earnings.
D. The students' payback ability has become a major issue.
2. The phrase "to raise the ceiling" in paragraph 2 probably means "______".
A. to raise the student loans      B. to improve the school facilities
C. to increase the upper limit of the tuition     D. to lift the school building roofs
3. According to Stephen Moir, students_______.
A. are too young 10 be exposed 10 financial issues
B. should learn 10 manage their finances well
C- should maintain a positive attitude when facing loans
D. benefit a lot from lessons on personal finance
4. What can we learn from the passage?
A. Many British teenagers do not know money matters well
B. Teenagers in Britain are heavily burdened with debts.
C. Financial planning is a required course at college.
D. Young people should become responsible adults.

小題1:C
小題2:C
小題3:B
小題4:A

小題1:細(xì)節(jié)推理題。從第一句話“most of them are ignorant when it comes to money”可以得出答案,“青少年傾向于過(guò)高估計(jì)了他們未來(lái)賺錢的前景”而沒(méi)有意識(shí)到他們會(huì)在未來(lái)面臨的各種債務(wù)。
小題2:詞義猜測(cè)題。根據(jù)上下文的意思，推測(cè)“raise the ceiling”的意思，很顯然，不是A項(xiàng)“增加學(xué)生的貸款”，不是B項(xiàng)“改善學(xué)校的設(shè)施”，也不是D項(xiàng)“增高學(xué)校建筑的屋頂”，他們都不是第二段里提到的意思，那么就只能選擇C項(xiàng)“提供學(xué)費(fèi)的上限”。得A項(xiàng)為答案，即“很多英國(guó)的青少年沒(méi)有很好地認(rèn)識(shí)錢的問(wèn)題”。B項(xiàng)是“英國(guó)的青少年有很沉重的債務(wù)負(fù)擔(dān)”，C項(xiàng)是“財(cái)政計(jì)劃是大學(xué)里的必修課”，D項(xiàng)“年輕人應(yīng)該對(duì)成年人負(fù)責(zé)”都偏離了文章大意，所以不選。
小題3:細(xì)節(jié)歸納題。根據(jù)第四段里Stephen Moir說(shuō)的話，來(lái)歸納出他的觀點(diǎn)，就是“學(xué)生們應(yīng)該學(xué)會(huì)更好地理財(cái)”。
小題4:主旨大意題。閱覽本文后，概括出大意，
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B．man is facilitating the spread of animals into new regions．
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D．The water is very important for us.
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C．It's time to be water efficient.
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Learning to save money when you're young is an important lesson. All good lessons arid habits begin early, and saving is a skill that everyone needs. Many people—adults included—do not have a good sense of saving for the long run. 　　  
I have been lucky to learn this lesson early because I have had a grass-cutting business since I was 10 years old. Of the money I make I spend about 10 percent and save the other 90. 　　
Making sure you save and don't spend too much is a good way to build up wealth. I have put my earnings in a bank. Many teens I know spend all the money they earn so it never has a chance to grow. Young people should realize that their teenage years are a great time to begin saving. 　　
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Many say money cannot make you happy, and this is true. But money can help you to lead a secure life. 　　  
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In addition to this, it will mean you can live the way you want to without worrying.
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2.Which sentence in the passage is the closest in meaning to the following one?
As long as you save early, you’ll do less work to live well at your old age.
3.Please fill in the blank in the passage with proper words or phrases to complete the sentence.(within 10 words)
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“Sesame Street” has been called “the longest street in the world”. That is because the television program by that name can now be seen in so many parts of the world. That program became one of American’s exports soon after it went on the air in New York in 1969.
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Although some educators object to certain elements in the program, parents praise it highly. Many teachers also consider it a great help, though some teachers find that problems arise when first graders who have learned from “Sesame Street” are in the same class with children who have not watched the program.
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小題1:“Sesame Street” is actually _______.
A．a(chǎn) street in the US B．a(chǎn) program for children
C．a(chǎn) program for teachersD．a(chǎn) program for students
小題2:Children who often watch the program _______.
A．can have problems in school
B．will find it a great help
C．will take no interest in their studies
D．will be well educated
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A．It offers great fun.
B．It makes children feel able to learn.
C．It is shown at different hours during the week.
D．Children learn and enjoy themselves while watching.
小題4: Why is “Sesame Street” so popular in the world?
A．Because it is supported by the government and businesses.
B．Because it uses a variety of skillful tricks.
C．Because mothers watch it along with their children.
D．Because it makes every child watching it feel able to learn.
小題5:The best title for this passage can be _______.
A．TV ProgramsB．Educating Children
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