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.

A new study shows one of the largest glaciers① in Greenland is becoming smaller and speeding to the sea faster than scientists expected. If it continues, Greenland itself could become much smaller during this century and global seas could rise as much as 3 feet.

The rates② of change that we’re noticing are much higher than expected. If these rates continue, it is not unlikely that Greenland could shrink③ by several tens of percent this century. However, it’s not known how quickly this coastal response of the Greenland ice sheet melting will have an effect on the vast inland ice.

Greenland is the world’s largest island, covering an area more than three times the size of Texas. Some 81 percent of it is covered by ice, and there are many glaciers. Glaciers are like slow-moving rivers of ice. Where a glacier meets the sea, its weight keeps it firmly resting on the bottom. A glacier’s front is the point where the water is deep enough that the glacier floats.

Since the 1970s, the front of Helheim stayed in the same place. Then it began melting rapidly, moving back 4.5 miles from 2001 through this past summer. It has also grown thinner, from top to bottom, by more than 130 feet since 2001. And over these past four years, its trip to the sea has sped up from about 70 feet per day to nearly 110.

The melting is driven by a warmer climate. Temperatures in Greenland have risen more than five degrees Fahrenheit in the last decade. Since most of Greenland’s ice is on land, seas will rise as the ice melts. If all Greenland’s ice sheet melted, oceans would be 15-20 feet higher. Nobody expects that to happen anytime soon.

Notes:

① glacier  n.  冰川

② rate  n.  比率

③ shrink  v.  縮小

1. Which of the following about the glaciers is TRUE?

  A. Glaciers only lie in Greenland.        B. Water in glaciers is more than sea water.

  C. Glaciers sometimes float on the water.  D. Glaciers can increase the water level of lakes.

2. According to the text, we know that Greenland ______.

  A. belongs to Canada                  B. is the largest island in North America

  C. is all covered with glaciers            D. is sinking under the sea level

3. Which of the following may be the result of the disappearing of Greenland glaciers?

  A. the climate of the world will be warmer.

  B. the glaciers in other area will be bigger.

  C. It will be easy for explorers to visit the island.

  D. Some coastal cities may be under the sea.

A newly-published study has shown that loneliness can spread from one person to another, like a disease.
Researchers used information from the Framingham Study, which began in 1948. The Framingham Study gathers information about physical and mental health, personal behavior and diet. At first, the study involved about 5,000 people in the American state of Massachusetts. Now, more than 12,000 individuals are taking part.
Information from the Framingham Study showed earlier that happiness can spread from person to person. So can behaviors like littering and the ability to stop smoking.
University of Chicago psychologist John Cacioppo led the recent study. He and other researchers attempted to show how often people felt lonely. They found that the feeling of loneliness spread through social groups.
Having a social connection with a lonely person increased the chances that another individual would feel lonely. In fact, a friend of a lonely person was 52% more likely to develop feelings of loneliness. A friend of that person was 25% more likely. The researchers say this shows that a person could indirectly be affected by someone’s loneliness.
The effect was strongest among friends. Neighbors were the second most affected group. The effect was weaker on husbands and wives, and brothers and sisters. The researchers also found that loneliness spread more easily among women than men.
The New York Times newspaper reports that, on average, people experience feelings of loneliness about 48 days a year. It also found that every additional friend can decrease loneliness by about five percent, or two and a half fewer lonely days.
Loneliness has been linked to health problems like depression and sleeping difficulties. The researchers believe that knowing the causes of loneliness could help in reducing it.
The study suggests that people can take steps to stop the spread of loneliness. They can do this by helping individuals they know who may be experiencing loneliness. The result can be helpful to the whole social group.
【小題1】 What is true about the Framingham Study?

A．It was only conducted in 1948.	B．It involves more than 12,000 participants.
C．It was led by John Cacioppo	D．It showed that any behavior could spread.

【小題2】 From the passage, we can learn that            .

A．the habit of littering doesn’t spread

B．a(chǎn) lonely person won’t have friends

C．everyone may be affected by others’ loneliness

D．lonely people don’t know the cause of their loneliness

【小題3】 Which statement about the spread of loneliness is true?

A．The spreading effect was the second strongest among friends.

B．No spreading effect was found on husbands and wives.

C．Women are more likely to be affected than men.

D．Brothers are more easily affected than neighbors.

【小題4】 If you make 10 more friends in a year, the days of your feeling loneliness will be reduced by            .

A．48 days

B．25 days

C．20 days

D．15 days

【小題5】What is the main idea of the passage?
A. Actions should be taken to help lonely people.  B. People feel lonely for many reasons.
C. Ways to fight against loneliness.             D. Lonely people can affect others.

A newly-published study has shown that loneliness can spread from one person to another, like a disease.
Researchers used information from the Framingham Study, which began in 1948. The Framingham Study gathers information about physical and mental health, personal behavior and diet. At first, the study involved about 5,000 people in the American state of Massachusetts. Now, more than 12,000 individuals are taking part.
Information from the Framingham Study showed earlier that happiness can spread from person to person. So can behaviors like littering and the ability to stop smoking.
University of Chicago psychologist John Cacioppo led the recent study. He and other researchers attempted to show how often people felt lonely. They found that the feeling of loneliness spread through social groups.
Having a social connection with a lonely person increased the chances that another individual would feel lonely. In fact, a friend of a lonely person was 52% more likely to develop feelings of loneliness. A friend of that person was 25% more likely. The researchers say this shows that a person could indirectly be affected by someone’s loneliness.
The effect was strongest among friends. Neighbors were the second most affected group. The effect was weaker on husbands and wives, and brothers and sisters. The researchers also found that loneliness spread more easily among women than men.
The New York Times newspaper reports that, on average, people experience feelings of loneliness about 48 days a year. It also found that every additional friend can decrease loneliness by about five percent, or two and a half fewer lonely days.
Loneliness has been linked to health problems like depression and sleeping difficulties. The researchers believe that knowing the causes of loneliness could help in reducing it.
The study suggests that people can take steps to stop the spread of loneliness. They can do this by helping individuals they know who may be experiencing loneliness. The result can be helpful to the whole social group.
【小題1】From the passage, we can learn that            .

A．the habit of littering doesn’t spread

B．a(chǎn) lonely person won’t have friends

C．everyone may be affected by others’ loneliness

D．lonely people don’t know the cause of their loneliness

【小題2】Which statement about the spread of loneliness is true?

A．The spreading effect was the second strongest among friends.

B．No spreading effect was found on husbands and wives.

C．Women are more likely to be affected than men.

D．Brothers are more easily affected than neighbors.

【小題3】 If you make 10 more friends in a year, the days of your feeling loneliness will be reduced by           .

A．48 days

B．25 days

C．20 days

D．15 days

【小題4】What is the main idea of the passage?

A．Actions should be taken to help lonely people.	B．People feel lonely for many reasons.
C．Ways to fight against loneliness.	D．Lonely people can affect others.

A new study of 8,000 young people in the Journal of Health and Social Behavior shows that although love can make adults live healthily and happily, it is a bad thing for young people.  Puppy love（早戀）may bring stress for young people and can lead to depression. The study shows that girls become more depressed than boys, and younger girls are the worst of all.
The possible reason for the connection between love and higher risk of depression for girls is “l(fā)oss of self”. According to the study，even though boys would say “l(fā)ose themselves in a romantic relationship”, this “l(fā)oss of self” is much more likely to lead to depression when it happens to girls. Young girls who have romantic relationships usually like hiding their feelings and opinions. They won’t tell that to their parents.
Dr Marianm Kaufman，an expert on young people problems, says 15% to 20% young people will have depression during their growing. Trying romance often causes the depression. She advises kids not to jump into romance too early. During growing up, it is important for young people to build strong friendships and a strong sense of self. She also suggests the parents should encourage their kids to keep close to their friends，attend more interesting school activities and spend enough time with family.
Parents should watch for signs of depression—eating or mood changes—and if they see signs from their daughters or sons, they need to give help. The good news is that the connection between romance and depression seems to become weak with age．Love will always make us feel young，but only maturity gives us a chance to avoid its bad side effects.
【小題1】What’s the main idea of the passage?

A．Puppy love may bring young people depression.

B．Parents should forbid their children’s love.

C．Romance is a two­edged sword for adults.

D．Romance is good for young people.

【小題2】Which of the following is more likely to have depression?

A．Young people who have a strong sense of selfishness.

B．Young boys whose parents watch for their behavior.

C．Young girls who always hide their feelings and opinions.

D．Careless parents whose children are deep in love.

【小題3】What can be inferred from the passage?

A．Lacking love can lead young people to grow up more quickly.

B．Early love makes young people keep close to their friends and parents.

C．Parents should help their children to be aware of the signs of depression.

D．The older a woman is, the less likely she seems to lose herself in romance.

【小題4】What’s the author’s attitude towards puppy love?

A．Confused

B．Disapproving

C．Disinterested

D．Scared