根据短文内容，从短文后的选项中选出能填入空白处的最佳选项，并在答题卡上将该项涂黑。选项中有两项为多余选项。
Are you a saver or a spender?
___小题1:___ This old saying calls attention to the wisdom of saving money. "Putting money away for a rainy day" is another way to talk about saving for the future.
People who hate to spend money are known as "tightwads," while those who like to get the most value for their money are called "thrifty." ___小题2:___A spendthrift is someone who spends wastefully. People like that are often said to spend money "like a drunken sailor" or "like there's no tomorrow."
In the United States, people who want to start a savings account have different choices of where to put their money. ___小题3:___ Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.
Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit（存款）pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. ___小题4:___ People can withdraw their money early but they have to pay a penalty(罚金).
In a number of countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%. ___小题5:___ Many European countries have higher rates, but Americans save more than families in Japan.
| A．People are willing to save money for the future. |
| B．A penny saved is a penny earned. |
| C．Before gold, even kings take off their hats. |
| D．These include banks and credit unions. |
E. Longer terms, and larger amounts, pay higher interest.
F. A thrifty person is different from a spendthrift.
G. This year the rate is expected to be a little more than four percent.
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