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When we talk about Americans barely into adulthood who are saddled with unbearable levels

of debt. the conversation is almost always about student loan debt. But theres a growing body of evidence suggesting that todays young adults are also drowning in credit-card debt—and that many of them will take this debt to their graves. More than 20% overspent their income by more than $ 100 every single month. Since they havent built up their credit histories yet. its a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt. Although many young people blame "socializing" as a barrier to saving money, most of them arent knocking back $20 drinks in trendy(时尚的)lounges. Theyre struggling with much more daily financial demands. To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday. This obviously isnt sustainable in the long run. and its going to put a huge drag on their spending power even after they reach their peak earning years, because theyll still be paying interest on that bottle of orange juice or box of spaghetti(意式面条)they bought a decade earlier. A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups, and that theyre slower at paying it off. " If what we found continues to hold true, we may have more elderly people with substantial financial problems in the future." warns Lucia Dunn, professor of economics at Ohio State. "If our findings persist, we may be faced with a financial crisis among elderly people who cant pay off their credit cards. " Dunn says a lot of these young people are never going to get out from under their credit card debt. "Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life, which could have loss implications for the credit card issuing banks."

What is the main idea of the first paragraph？

A．Many young Americans will never be able to pay off their debts.

B．Credit cards play an increasingly important role in college life.

C．Credit cards are doing more harm than student loans.

D．The American credit card system is under criticism.

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更多“When we talk about Americans b…”相关的问题
第1题
In England, people often talk about the weather because they an experience four season
s in one day In the morning the weather is warm just like in spring.An hour later black clouds come and then it rains hard The weather gets a little cold.In the late afternoon the sky will be sunny, the sun will begin to shine, and it will be summer at this time of a day.In England, people can also have summer in winter, or have winter in summer.So in winter they can swim sometimes, and in summer

sometimes they should take warm clothes.When you go to England, you will see that some English people usually take an umbrella or a raincoat with them in the sunny morning.

but you should not laugh at them.If you don't take an umbrella or a rain coat, you will regret later in the day.

6.People in England often talk about the weather，because the sky is sunny all day.()

A.T

B.F

7.From the story we know that when black clouds come，there is a heavy rain.()

A.T

B.F

8.The sentence “People can also have summer in winter.”means “it is sometimes too warm in winter.”()

A.T

B.F

9.In the sunny morning some English people usually take a raincoat or an umbrella with them because their friends ask them to do so.()

A.T

B.F

10.The best title for this passage is Summer or Winter in England.()

A.T

B.F

点击查看答案
第2题
In the case of mobile phones, change is everything. Recent research indicates that the mob
ile phone is changing not only our culture, but our very bodies as well.

First, let's talk about culture. The difference between the mobile phone and its parent, the fixed-line phone, you get whoever answers it.

This has several implications. The most common one, however, and perhaps the thing that has changed our culture forever, is the "meeting" influence. People no longer need to make firm plans about when and where to meet. Twenty years ago, a Friday night would need to be arranged in advance. You needed enough time to allow everyone to get from their place of work to the first meeting place. Now, however, a night out can be arranged on the run. It is no longer "see you there at 8", but "text-me around 8 and we'll see where we all are".

Texting changes people as well. In their paper, "Insights into the Social and Psychological Effects of SMS Text Messaging", two British researchers distinguished between two types of mobile phone users: the "talkers" and the "texters"--those who prefer voice to text message and those who prefer text to voice.

They found that the mobile phone's individuality and privacy gave texters the ability to express a whole new outer personality. Texters were likely to report that their family would be surprised if they were to read their texts. This suggests that texting allowed texters to present a self-image that differed from the one familiar to those who knew them well.

Another scientist wrote of the changes that mobiles have brought to body language. There are two kinds that people use while speaking on the phone. There is the "speakeasy": the head is held high, in a self-confident way, chatting away. And there is the "spacemaker': these people focus on themselves and keep out other people.

Who can blame them？ Phone meetings get cancelled or reformed and camera-phones intrude on people's privacy. So, it is understandable if your mobile makes you nervous. But perhaps you needn't worry so much. After all, it is good to talk.

When people plan to meet nowadays, they ______.

A．arrange the meeting place beforehand

B．postpone fixing the place till last minute

C．seldom care about when and where to meet

D．still love to work out detailed meeting plans

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第3题
听力原文：I had just gone to bed after a very hard day when the phone rang. It was an eccen

听力原文： I had just gone to bed after a very hard day when the phone rang. It was an eccentric farmer. I had never met him before although I had often heard people talk about him. He sounded quite nervous and he had been talking for a minute or so before I understood anything. Even then all I could make out was that someone called Milly had had a very bad accident. I hadn't the slightest idea who she was but I obviously had to go.

It had been snowing heavily that day and I didn't know the way. I had been driving for at least an hour when I finally found his place. He was standing there, waiting for me. It seemed Milly had died. "She meant more to me than anyone even my own wife!" he said. I could see that he had been crying. I thought something terrible had taken place, a possible scandal. I was even more shocked when he told me he had put her in the barn. "I wouldn't leave her out in the cold!" he said.

Milly had clearly been a secret lover of his. I was about to tell him he could not expect me to cover anything up when he opened the barn door. He lifted his candle and I saw a dark figure on the ground. "She was such a good cow! I wouldn't let anyone but a doctor touch her!" he said, and burst into tears again.

Questions 33 to 35 are based on the passage you have just heard.

33. What do we know about Milly from the story？

34. What might the farmer wish the speaker to do？

35. What is probably the person who told the story？

(30)

A．She had met with an accident.

B．She had caused a scandal.

C．She was seriously ill.

D．She was hidden somewhere.

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第4题
We were excited about the news ________ our team had won.

A.which

B.that

C.what

D.when

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第5题

Faces, like fingerprints, are unique. Did you ever wonder how it is possible for us to recognize people. Even a skilled writer probably could not describe all the features that make one face different from another. Yet a very young child-or even an animal, such as a pigeon-can learn to recognize faces, we all take this ability for granted.

We also tell people apart by how they behave. When we talk about someone' s personality, we mean the ways in which he or she acts, speaks, thinks and feels that make that individual different from others.

Like the human face, human personality is very complex. But describing someone' s personality in words is somewhat easier than describing his face. If you were asked to describe what a "nice face" looked like, you probably would have a difficult time doing so. But if you were asked to describe a "nice person" ,you might begin to think about someone who was kind, considerate, friendly, warm, and so forth.

There are many words to describe how a person thinks, feels and acts. Gordon Allport, an American psychologist, found nearly 18,000 English words characterizing differences in people' s behavior. And many of us use this information as a basis for describing or typing his personality. Bookworms, conservatives, military types-people are described with such terms.

People have always tried to "type" each other. Actors in early Greek drama wore masks to show the audience whether they played the villain' s(坏人)or the hero's role. In fact, the words" person" and "personality" come from the Latin persona, meaning "mask". Today, most television and movie actors do not wear masks. But we can easily tell the "good guys" from the "bad guys" because the two types differ in appearance as well as in actions.

By using the example of finger prints the author tells us that （）.

A.people can learn to recognize faces

B.people have different personalities

C.people have difficulty in describing the features of finger prints

D.people differ from each other in facial features

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第6题
阅读选择Talk to Your Kids about Their Eating Habits CarefullyWeight is never an easy sub

阅读选择

Talk to Your Kids about Their Eating Habits Carefully

Weight is never an easy subject. It can be risky for parents to raise the issue of eating habits and weight with their kids.

“No kid ever lost weight because his mother told him he was fat,” a friend told me when I was worried about my son’s weight.

It turns out she was right, according to a new study. The study was directed by Dr. Berge at University of Minnesota. She found that kids whose parents discussed eating in a healthy way were less likely to have eating problems. But 64% of the kids whose parents focused on their weight turned to unhealthy eating behaviors. Some kids went on extreme diets, and others even ate no food. So eating disorders were caused. Things were worse when fathers joined in the discussions with their daughters and focused on weight. “Fathers should never comment on their daughters'weight,” says Berge Instead, she suggests, fathers should focus on their daughters'interests. That can help them feel loved and confident enough to work on their weight issues.

How should parents talk to kids about. eating behaviors？ According to Berge, they should avoid focusing on how much their kids weigh. They should talk to them about being healthy. Don't compare them with others. Ideally, both parents should share the responsibility. If that' s not possible, choose the parent whose words cause the least amount of stress and who demonstrates healthy eating.

1. The writer' s friend advised her not to().

A. worry about her son's weight

B. take the risk of gaining weight

C. change her own eating habits

D. talk to her son about his weight

2. The study found that some kids had fewer eating problems because they ().

A. learned to eat healthily

B. took part in the study

C. focused on their weight

D. believed the scientists

3. When told about their fatness, some kids ().

A. felt helpless

B. became angry

C. began to eat no food

D. refused to take any advice

4. If a father focuses on his daughter' s interests, she will feel().

A. amused

B. encouraged

C. surprised

D. challenged

5. When taking to their kids about eating behaviors, parents should ().

A. focus on being healthy

B. use short and simple words

C. respect their kids' views

D. compare their kids with others

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第7题
We can make mistakes at any age.Some mistakes we make are about money.But most mistake
s are about people."Did Jerry really care when I broke up with Helen？" "When I got that great job, did Jerry really feel good about it, as a friend？ Or did he envy my luck？" When we look back, doubts like these can make us feel bad.But when we look back, it's too late.

Why do we go wrong about our friends--or our enemies？ Sometimes what people say hides their real meaning.And if we don't really listen, we miss the feeling behind the words.Suppose someone tells you, "you're a lucky dog".Is he really on your side？ If he says, "You're a lucky guy" or "You're a lucky gal", that's being friendly.But "lucky dog"？ There's a bit of envy in those words.Maybe he doesn't see it himself.But bringing in the "dog" bit puts you down a little.What he may be saying is that he doesn't think you deserve your luck.

How can you tell the real meaning behind someone's words？ One way is to take a good look at the person talking.Do his words fit the way he looks？ Does what he says square with the tone of voice？ His posture (体态)？ The look in his eyes？ Stop and think.The minute you spend thinking about the real meaning of what people say to you may save another mistake.

1.From the questions in the first paragraph we can learn that tile speaker _____.

A.feels happy, thinking of how nice his friends were to him

B.feels he may not have "read" his friends' true feelings correctly

C.thinks it was a mistake to have broken up with his girl friend, Helen

D.is sorry that his friends let him down

2.In the second paragraph, the author uses the example of "You're a lucky dog" to show that __________.

A.the speaker of this sentence is just being friendly

B.this saying means the same as "You're a lucky guy' or "You're a lucky gal"

C.sometimes the words used by a speaker give a clue to the feeling behind the words

D.the word "dog" shouldn't be used to apply to people

3.This passage tries to tell you how to __________.

A.avoid mistakes about money and friends

B.bring the "dog" bit into our conversation

C.avoid mistakes in understanding what people tell you

D.keep people friendly without trusting them

4.In listening to a person, the important thing is __________.

A.to notice his tone, his posture, and the look in his eyes

B.to listen to how he pronounces his words

C.to check his words against his manner, his tone of voice, and his posture

D.not to believe what he says

5.If you followed the advice of the writer, you would __________.

A.be able to get the real meaning of what people say to you

B.avoid any mistakes while talking with people who envy you

C.not lose real friends who say things that do not please you

D.be able to observe people as they are talking to you

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第8题
Scientists hope that if we can discover __1__ the brain works, the better use we will
be able to put it to. For example, how do we learn language？ Man differs most from all the animals in his ability to learn and use language __2__ we still do not know exactly how this is done. Some children learn to speak and read and write when they are very young compared to __3__ children. But scientists are not sure why this happens. They are trying to find out __4__ there is something about the way we teach language to children which in fact prevents children __5__ learning sooner.

1)、A.but

B.how

C.from

D.whether

E.average

2)、A.but

B.how

C.from

D.whether

E.average

3)、A.but

B.how

C.from

D.whether

E.average

4)、A.but

B.how

C.from

D.whether

E.average

5)、A.but

B.how

C.from

D.whether

E.average

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第9题
听力原文：Different countries and different races have different manners. Before entering a

听力原文： Different countries and different races have different manners. Before entering a house in some Asian countries, it is good manners to take off your shoes. In European countries, even though shoes sometimes become very muddy, this is not done. A guest in a Chinese house never finishes a drink. He leaves a little, to show that he has had enough. In England, a guest always finishes a drink to show that he has enjoyed it.

We must find out the customs of other races, so that they will not think us ill-mannered. But people all over the world agree that being well-mannered really means being kind and helping others, especially those older or weaker than ourselves. If you remember this, you will not go very far wrong.

Here are some examples of the things that a well-mannered person does or does not do. He never laughs at people when they are in trouble. Instead, he tries to help them. He is always kind, never cruel, either to people or animals. When people are waiting for a bus, or in a post office, he takes his turn. He does not push to the front of the queue. In the bus, he gives his seat to an older person or a lady who is standing. If he accidentally humps into someone, or gets in their way, he says "Excuse toe" or "I'm sorry".

He says "Please" when making a request, and "Thank you" when he receives something. He stands up when speaking to a lady or an older person, and he does not sit down until the other person is seated. He does not talk toe much himself. He does not talk with his mouth full of food. He uses a handkerchief when he sneezes or coughs.

(30)

A．In some European countries.

B．In some African countries.

C．In some Asian countries.

D．In some American counties.

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第10题
A funny thing happened on the way to the communication revolution: we stopped talking

to each other.

1 was walking in the park with a friend recently, and his mobile phone rang, interrupting our conversation. There we were, walking and talking on a beautiful sunny day and - poof! -1 was cut off as if I had become absent from the conversation.

The park was filled with people talking on their cell phones. They were passing people without looking at them, saying hello, noticing their babies or stopping to pat their dogs. It seems that the limitless electronic voice is preferred to human contact.

The telephone is used to connect you to the absent. Now it makes people feel absent.

Recently l was in a car with three friends. The driver hushed the rest of us because he could not hear the person on the other end of his cell phone. There we were, four friends driving down the highway, unable to talk to each other because of the small thing designed to make communication easier.

Why is it that the more connected we get, the more disconnected I feel？ Every advance in communication technology is a setback(退步) to the closeness of human interaction.

With e-mail and instant message over the Internet, we can now communicate without seeing or talking to one another. With voice mail, you can make entire conversations without ever reaching anyone. If my mom has a question, Ijust leave the answer on her machine.

As almost every contact between human beings gets automatic, the emotional Distance index goes up. Pumping gas at the station？ Why say good-morning to the assistant when you can swipe you credit card at the pump and save yourself the bother of human contact？

Making a deposit at the bank？ Why talk to the clerk who lives in the neighborhood when you Ctin put your Ctird into the ATM l More and more, I find myself hiding behind e-mail to do a job meant for conversation orbeing relieved that voice mail picked up because I didn’t really have time to talk.

The technology devoted to helping me keep in touch is making me lonelier. I own a mobile phone, an ATM card, a voice-mail telephone, and an e-mail account.

Giving them up isn’t a choice. They are great for what they are intended to do. It’s their unintended results that make me upset. What good is all this gee-whiz technology if there isno one in the room to hear you crying out Gee whiz ？

26.The author’s experience of walking in a park with a friend recently made him feel ().

A.unhappy

B.funny

C.wonderful

27.According to the author, human contact in a park means ().

A.Iookmg at each other and saying hello when passing

B.noticing their babies and stopping to pat their dogs

C.both A and B

28.According to the author, the more connected we get in communication technology, the () we are.

A.more automatic

B.easier

C.more disconnected

29.What are the examples the author gives to explain his idea that every advance in communication technology is a setback to the closeness of human interaction？()

A.With e-mail and instant message over the Internet, we can now communicate without seeing or talking to one another

B.With voice mail, you can make entire conversations without ever reaching anyone

C.Both A and B

30.What is the unintended result of communication technology, according to the author？()

A.It makes communication easier and conversation possible everywhere

B.It actually creates a distance between people instead of bringing them together

C.It makes every contact between human beings automatic and makes people Feel connected

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第11题
Humans have always been fascinated by dreams. The vivid dreams people remember and talk ab
out are REM dream—the type that occur almost continuously during periods of rapid eye movement (REM) during sleep. But people also have NREM dreams—dreams that occur during periods without rapid eye movement called NREM sleep—although they are typically less frequent and less memorable than REM dreams. REM dreams have a story like or dream like quality and are more visual, vivid, and emotional than NREM dreams. Interestingly, blind people who lose their sight before age five usually do not have visual dreams, but they have vivid dreams involving the other senses. A popular belief about dreams is that an entire dream takes place in an instant, but in fact, it is not true. Sleep researchers have discovered that it takes about as long to dream a dream as it would to experience the same thing in real life.

Although some people insist that they do not dream at all, researchers say that all people dream unless they consume alcohol or take drugs that suppress REM sleep. Are dreaming and REM sleep essentially one and the same？ Some researchers have questioned an assumption

long held by some sleep experts that dreaming is simply the brain's effort to make sense of the random firing of neurons that occurs during REM sleep. Are the brain mechanisms responsible for REM sleep the same ones that create the rich dream world we experience？ The answer may be no. It is known that dreams do occur outside of REM sleep. Moreover, the REM state can exist without dreams. These two facts suggest that different but complementary brain mechanisms are responsible for REM sleep and the dreaming that normally occurs within it. There is mounting evidence, says British researcher Mark Solms, that dreaming and REM sleep, while normally occurring together, are not one and the same. Rather, the REM state is controlled by neural mechanisms in the brain stem, while areas farther up in the forebrain provide the common pathway that gives us the complex and often vivid mental experiences we call dreams.

Other researchers suggest that REM sleep aids in information processing, helping people sift through daily experience to organize and store in memory information that is relevant to them. Animal studies provide strong evidence for a relationship between REM sleep and learning. Some studies have revealed that animals increase their REM sleep following learning sessions. Other studies have indicated that when animals are deprived of REM sleep after new learning, their performance of the learned task is impaired the following day. But depriving subjects of NREM sleep had no such effect in the studies.

Research has shown that REM sleep serves an information-processing function in humans and is involved in the consolidation of memories after human learning. Researchers found that research participants learning a new perceptual skill showed an improvement in performance, with no additional practice, eight to ten hours later if they had a normal night's sleep or if the researchers disturbed only their NREM sleep. Performance did not improve, however, in those who were deprived of REM sleep.

There is no doubt that REM sleep serves an important function, even if psychologists do not know precisely what that function is. The fact that newborns have such a high percentage of REM sleep has led to the conclusion that REM sleep is necessary for maturation of the brain in infants. Furthermore, when people are deprived of REM sleep as a result of general sleep loss or illness, they will make up for the loss by getting an increased amount of REM sleep after the deprivation. This increase in the percentage of REM sleep to make up for REM deprivation is called a "REM rebound." Because the intensity of REM sleep is increased during a REM rebound, nightmares often occur.

Why does the author state "The answer may be no" in paragraph 2？

A．To introduce a theory that REM sleep and dreams are not necessarily connected.

B．To contrast dreaming before and after REM sleep.

C．To explain why dreaming and REM sleep are essentially the same.

D．To suggest that more dreams occur inside REM sleep than outside it.

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