--_____.

　　--Yes. I agree with you. He is alway clever.

[　　]

A．He is too stupid to solve the problem

B．He can't solve the problem

C．He is very wise not to solve the problem

D．He is too wise not to solve this problem

Do you think it is ever a good idea for a teenager to have a credit card?
My kids watch closely as I swipe the card through the register．They’ve seen me do it hundreds, thousands of times．Cool．They are itching to swipe it through the machine themselves． When we walk out of the store with our groceries or pet food, or whatever, it’s almost as though money has not changed hands, painless, easy．
So it shouldn’t be shocking to discover that teenagers are becoming card carrying consumers in their own right．The question is, should they?
While some argue it’s best to teach kids how to use a credit card while still living under the family roof, not everyone agrees． Dave Ramsey, financial expert says getting a credit card for your teenager is actually, “an excellent way to teach him or her to be financially irresponsible．”
Now parents are required to co-sign on credit cards for children under 21．“If their name is on the credit card, then the parent may say, ‘Hey, my name is on this．Don’t get me into trouble,” says Mary Beth Pinto, a marketing professor．“When parents were the co-obligors（共同借貸人），the children caused less debt．If the parents are the co-obligors, the tendency is that the parents were explaining how to use the cards．” Still, Pinto believes parents should start the process much earlier．“Yes, there has to be teaching going on and it has to start when they’re younger． You’re not going to get rid of credit cards．They are here to stay． You have to have them． You can’t fight progress,” Pinto said．
Ramsey, however, disagrees．“Throwing teens into a pool of （credit）sharks is a sure way to guarantee a life-time of heartache,” he said．“You can make online purchases and rent a car with a credit card．Of course, you must have money in your bank account before you can make a purchase with a credit card．But paying for things with money is what you are supposed to do．”
【小題1】The author mentioned her experience in Para 2 mainly to______．

A．prove the convenience of using credit cards

B．tell what impression credit cards leave on kids

C．give advice on using credit cards wisely

D．explain the pleasure credit cards bring to customers

Do you think it is ever a good idea for a teenager to have a credit card?

My kids watch closely as I swipe the card through the register．They’ve seen me do it hundreds, thousands of times．Cool．They are itching to swipe it through the machine themselves． When we walk out of the store with our groceries or pet food, or whatever, it’s almost as though money has not changed hands, painless, easy．

So it shouldn’t be shocking to discover that teenagers are becoming card carrying consumers in their own right．The question is, should they?

    While some argue it’s best to teach kids how to use a credit card while still living under the family roof, not everyone agrees． Dave Ramsey, financial expert says getting a credit card for your teenager is actually, “an excellent way to teach him or her to be financially irresponsible．”

Now parents are required to co-sign on credit cards for children under 21．“If their name is on the credit card, then the parent may say, ‘Hey, my name is on this．Don’t get me into trouble,” says Mary Beth Pinto, a marketing professor．“When parents were the co-obligors（共同借貸人），the children caused less debt．If the parents are the co-obligors, the tendency is that the parents were explaining how to use the cards．” Still, Pinto believes parents should start the process much earlier．“Yes, there has to be teaching going on and it has to start when they’re younger． You’re not going to get rid of credit cards．They are here to stay． You have to have them． You can’t fight progress,” Pinto said．

Ramsey, however, disagrees．“Throwing teens into a pool of （credit）sharks is a sure way to guarantee a life-time of heartache,” he said．“You can make online purchases and rent a car with a credit card．Of course, you must have money in your bank account before you can make a purchase with a credit card．But paying for things with money is what you are supposed to do．”

1.The author mentioned her experience in Para 2 mainly to______．

   A． prove the convenience of using credit cards

   B． tell what impression credit cards leave on kids

   C． give advice on using credit cards wisely

   D． explain the pleasure credit cards bring to customers

2.The underlined word in Para 2 can be replaced by __________．

   A． eager           B． afraid          C． embarrassed     D． thankful

3.What’s Ramsey’s attitude towards teens’ using credit cards?

   A． He feels it is worth a try               

    B． He is very supportive

   C． He is strongly against it                 

    D． He considers it as a pleasant experience

4.Pinto will most likely agree that __________．

   A． parents should let teens own their credit cards earlier

   B． you shouldn’t be in control of credit cards

   C． it is never good for anyone to get a credit card

    D． learning to use credit cards is practical

If you find out that your best friend is developing feeling for you and the feelings are in no way mutual (共通的), the sooner you communicate this the better .
Sometimes having to be the person who does the rejecting is1 than being rejected,2 the person you have to hurt is your dearest friend. The key is to be gentle, but not so gentle that he or she doesn’t get it. If you 3 it before he says anything , it is possible you can4him some of the humiliation(羞辱). You can just happen to mention that you are so happy that you don’t have to5 the ups and downs of romance with him. “Aren’t we lucky to have such a close friendship without having to worry about?” If he brings it up to you, just remember6 kind to his heart. So many things you could say have become a cliché(老生常談), such as “ I don’t want to risk losing what we have now.” Of course, if that is how you feel then say it anyway. The most reassuring thing you can do for him is to7 not to let his admission hurt the friendship. Even though the first response will be to the “rejection” later, he or she will worry about the friendship 8. If you want to show the ultimate respect, keep it9 the two of you. Resist the temptation to tell others. Otherwise, this will only hurt your friend10.
11, if the feelings between the two of you are12, then this can be a very happy moment. Don’t let your fears ruin it. Yes, it is 13 to venture into new territory with someone you have been close with as a friend. But the good news is you already know each other well and you like each other. There is always a risk of losing the friendship when and if you 14, but if you both agree you aren’t going to let that happen, the risk factor 15 .

1. 1.
   1. A.
      better
   2. B.
      worse
   3. C.
      wiser
   4. D.
      nicer
2. 2.
   1. A.
      even if
   2. B.
      especially if
   3. C.
      especially
   4. D.
      if
3. 3.
   1. A.
      hear about
   2. B.
      heard
   3. C.
      listen to
   4. D.
      hear from
4. 4.
   1. A.
      harmed
   2. B.
      share
   3. C.
      spare
   4. D.
      reduced
5. 5.
   1. A.
      go away with
   2. B.
      go through
   3. C.
      go by
   4. D.
      go over
6. 6.
   1. A.
      being
   2. B.
      to be
   3. C.
      be
   4. D.
      to have been
7. 7.
   1. A.
      keep
   2. B.
      promise
   3. C.
      avoid
   4. D.
      permit
8. 8.
   1. A.
      as well
   2. B.
      either
   3. C.
      finally
   4. D.
      ultimately
9. 9.
   1. A.
      in
   2. B.
      among
   3. C.
      between
   4. D.
      away from
10. 10.
    1. A.
       a little
    2. B.
       even better
    3. C.
       much less
    4. D.
       even more
11. 11.
    1. A.
       Whatever
    2. B.
       Whenever
    3. C.
       At the same time
    4. D.
       However
12. 12.
    1. A.
       active
    2. B.
       mutual
    3. C.
       affected
    4. D.
       sensible
13. 13.
    1. A.
       scary
    2. B.
       enjoyable
    3. C.
       funny
    4. D.
       lucky
14. 14.
    1. A.
       break down
    2. B.
       break up
    3. C.
       break out
    4. D.
       break off
15. 15.
    1. A.
       increases
    2. B.
       decreases
    3. C.
       remains
    4. D.
       exists

Most people say “yes” much more readily than “no”.

A friend is moving house this weekend and would like some help, and you agree. But, what you really wanted was a couple of quiet days relaxing at home. Or a roommate spends the entire weekends playing video games and wants to borrow your homework for “reference”. But, you’ve just finished it after taking a whole day to work hard.

Many people say “yes” to these kinds of requests. They tend not to consider their own interests and feelings, and are often angry with themselves afterwards .

Saying “no” requires courage and considerable practice, in fact, according to psychologists .

“Everyone wants to be liked,” says Gabriele Steinki, a German psychologist. “Saying ‘no’ risks losing the affection of the person asking the favor or even a job.”

The result is that many people say “yes” just for keeping the peace. But experts say this is regrettable . Anyone should have the right to say “no”.

In fact, rejecting (拒絕) a request can even help to strengthen a relationship because it expresses a true feeling.

But, for people Used to agreeing to every request, changing can be a long and uncomfortable learning process.

Most people believe that “If I say ‘no’, I'll lose the affection of the person. But the affection is important to me.” This way of thinking can be replaced by this: “If he only likes me because I always do what suits him , then the price of his affection is too high in the long term.”

Steinki says the key is talking to the other person to find a mutual (相互的) solution. “One heeds to present the situation from one’s own point of view, and to suggest how the situation can be dealt with to the advantage of both parties. The other person must have the feeling that his interests are being considered.”

When the refusal is not accepted, Steinki advises giving the reasons calmly again until the person gets the message .

56. Most people say “yes” much more readily than “no” because ________.

A. they don’t care about their own interests and feelings

B. they don’t know they will regret afterwards

C. they have already been used to saying “yes”

D. they care more about others’ affection

57. In the opinion of experts, _________ .

A. people need a lot of practice to say “no”

B. people should say “yes” to keep the peace

C. saying “no” means losing a job

D. people have the right to be liked

58.According to the writer, what should you do if you want to refuse the other person’s request?

A. Just say you can’t help him.

B. Say sorry to him.

C. Refuse him clearly.

D. Talk to the other person to find a mutual way.

59.According to the writer, what should you do if your refusal is not accepted?

A. Say yes to him.                              B. Repeat your reason for his acceptance（接受，認(rèn)可）

C. Just go away                                  D. Say no to him

60. What is the best title of the passage?

A. You Need Courage To Say “No”   B. “Yes” More Than “No”

C Anyone Has The Right To Say “No” D. It’s Hard To Say “No”