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    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 (学费) 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.

    小题1:C
    小题2:C
    小题3:B
    小题4:A

    小题1:细节推理题。从第一句话“most of them are ignorant when it comes to money”可以得出答案,“青少年倾向于过高估计了他们未来赚钱的前景”而没有意识到他们会在未来面临的各种债务。
    小题2:词义猜测题。根据上下文的意思，推测“raise the ceiling”的意思，很显然，不是A项“增加学生的贷款”，不是B项“改善学校的设施”，也不是D项“增高学校建筑的屋顶”，他们都不是第二段里提到的意思，那么就只能选择C项“提供学费的上限”。得A项为答案，即“很多英国的青少年没有很好地认识钱的问题”。B项是“英国的青少年有很沉重的债务负担”，C项是“财政计划是大学里的必修课”，D项“年轻人应该对成年人负责”都偏离了文章大意，所以不选。
    小题3:细节归纳题。根据第四段里Stephen Moir说的话，来归纳出他的观点，就是“学生们应该学会更好地理财”。
    小题4:主旨大意题。阅览本文后，概括出大意，
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