Although credit cards are becoming a more acceptable part of the financial scene, they are still regarded with doubts by many as being a major part of the “live now pay later” syndrome（综合症）．Along with hire-purchase, rental and leasing schemes（租赁项目）, they provide encouragement to spend more money．Of course, it is only the hotheaded who give way to the temptation to live, temporarily at least, beyond their means, and such people would no doubt manage to do so even without credit cards．
Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces of plastic. They prevent need to carry large amounts of cash and are always useful in emergencies．
All the credit card organizations charge interest on a monthly basis which may work out as high as 25 per cent a year, yet sensible purchasing using a card can mean that you obtain up to seven weeks, interest-free credit．Using the card abroad, where items frequently take a long time to be included on your account, can extend this period even further．
It is worthwhile shopping around before deciding on a particular credit card. It is necessary to consider the amount of credit granted; interest rates, which may vary slightly; the number and range of outlets（经销店）, though most cards cover major garages, hotels, restaurants and department stores; and of course, what happens if your card is lost or stolen．A credit card thief may be sitting on a potential goldmine particularly if there is a delay in reporting the loss of the card．
However, if used wisely, a credit card can cost nothing, or at least help to tide you over a period of financial difficulty．
【小题1】The hotheaded are people who ________．

The evidence for harmony may not be obvious in some families. But it seems that four out of five young people now get on with their parents, which is the opposite of the popularly held image(印象)of unhappy teenagers locked in their room after endless family quarrels.

　　An important new study into teenage attitudes surprisingly shows that their family life is more harmonious than it has ever been in the past.” We were surprised by just how positive today’s young people seen to be about their families,” said one member of the research team.” They’re expected to be rebellious(叛逆的) and selfish but actually they have other things on their minds; they want a car and material goods, and they worry about whether school is serving them well. There’s more negotiation(商议) and discussion between parents and children, and children expect to take part in the family decision-making process. They don’t want to rock the boat.”

　　So it seems that this generation of parents is much more likely than parents of 30 years ago to treat their children as friends.” My parents are happy to discuss things with me and willing to listen to me,” says 17-years-old Daniel Lazall.”I always tell them when L’m going out clubbing. As long as they know what I’m doing, they’re fine with it.” Susan Crome,who is now 21,agrees.”Looking back on the last 10 years, there was a lot of what you could call negotiation. For example, as long as I’d done all my homework, I could go out on a Saturday night. But I think my grandparents were a lot stricter with my parents than that.”

　　Maybe this positive view of family life should not be unexpected. It is possible that the idea of teenagers rebellion is not rooted in real facts. A researcher comments,” Our surprise that teenagers say they get along well with their parents comes because of a brief period in our social history when teenagers were regarded as different beings. But that idea of rebelling and breaking away from their parents really only happened during that one time in the 1960s when everyone rebelled. The normal situation throughout history has been a smooth change from helping out with the family business to taking it over.”

1.What is the popular images of teenagers today?

A．They worry about school

B．They dislike living with their parents

C．They have to be locked in to avoid troubles

D．They quarrel a lot with other family members

2.The study shows that teenagers don’t want to ___

A．share family responsibility

B．cause trouble in their families

C．go boating with their family

D．make family decisions

3.Compared with parents of 30 years ago, today’s parents___.

A．go to clubs more often with their children

B．are much stricter with their children

C．care less about their children’s life

D．give their children more freedom

4.According to the authour,teenage rebellion____.

A．may be a false belief                     B．is common nowadays

C．existed only in the 1960s                 D．resulted from changes in families

5.What is the passage mainly about?

A．Negotiation in family                     B．Education in family

C．Harmony in family                       D．Teenage trouble in family

完成句子（每题1分，共5分，形式错不给分）

1.After the hurricane ,the whole city lay ________ ________.

飓风过后，整个城市成了废墟。

2.For a period of time he felt helpless and ______  ______.

有那么一段时间，他觉得很无助而且失去信心。

3.The war　_　　　　　　　　　. People cheered and jumped with joy.

战争结束了，人们欢呼雀跃起来。

4.________ _________ __________， you should go there by yourself.

依我看来，你应该自己去。

5.He pretends to be making comment on the drawings,，but ______ _____ __________ ______ __________, he knows nothing about art.

他假装正在对绘画作评论，但是事实上，他对艺术一窍不通。

Although credit cards are becoming a more acceptable part of the financial scene, they are still regarded with doubts by many as being a major part of the “live now pay later” syndrome（综合症）．Along with hire-purchase, rental and leasing schemes（租赁项目）, they provide encouragement to spend more money．Of course, it is only the hotheaded who give way to the temptation to live, temporarily at least, beyond their means, and such people would no doubt manage to do so even without credit cards．

Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces of plastic. They prevent need to carry large amounts of cash and are always useful in emergencies．

All the credit card organizations charge interest on a monthly basis which may work out as high as 25 per cent a year, yet sensible purchasing using a card can mean that you obtain up to seven weeks, interest-free credit．Using the card abroad, where items frequently take a long time to be included on your account, can extend this period even further．

It is worthwhile shopping around before deciding on a particular credit card. It is necessary to consider the amount of credit granted; interest rates, which may vary slightly; the number and range of outlets（经销店）, though most cards cover major garages, hotels, restaurants and department stores; and of course, what happens if your card is lost or stolen．A credit card thief may be sitting on a potential goldmine particularly if there is a delay in reporting the loss of the card．

However, if used wisely, a credit card can cost nothing, or at least help to tide you over a period of financial difficulty．

1.The hotheaded are people who ________．

A．spend more money than they have

B．spend less money than other people

C．save money

D．make money

2.The disadvantage of credit cards is ________．

A．to enable you to buy things without carrying large amount of cash

B．to encourage people to spend more money

C．to be always useful in emergencies

D．to help people tide over a period of financial difficulty

3.Deciding on a particular credit, you do not have to consider ________．

A．the amount of credit granted　　

B．the number and range of outlets

C．the possibility of loss of money

D．the department stores where you are going to use your credit cards

4.The underlined words in the last paragraph probably means ________．

A．floating with the tide of

B．going through a difficult period of

C．rising and falling with the tide of

D．attempting to go against the tide of

Guide to Stockholm University Library

Our library offers different types of studying places and provides a good studying environment.

Zones

The library is divided into different zones.The upper floor is a quiet zone with over a thousand places for silent reading，and places where you can sit and work with your own computer.The reading places consist mostly of tables and chairs.The ground floor is the zone where you can talk.Here you can find sofas and armchairs for group work.

Computers

You can use your own computer to connect to the Wi－Fi specially prepared for notebook computers；you can also use library computers，which contain the most commonly used applications，such as Microsoft Office.They are situated in the area known as the Experimental Field on the ground floor.

Group－study Places

If you want to discuss freely without disturbing others，you can book a study room or sit at a table on the ground floor.Some study rooms are for 2－3 people and others can hold up to 6－8 people.All rooms are marked on the library maps.

There are 40 group－study rooms that must be booked via the website.To book，you need an active University account and a valid University card.You can use a room three hours per day，nine hours at most per week.

Storage of Study Material

The library has lockers for students to store course literature.When you have obtained at least 40 credits(学分)，you may rent a locker and pay 400 SEK for a year's rental period.

Rules to be Followed

Mobile phone conversations are not permitted anywhere in the library.Keep your phone on silent as if you were in a lecture and exit the library if you need to receive calls.

Please note that food and fruit are forbidden in the library，but you are allowed to have drinks and sweets with you.

1.The library's upper floor is mainly for students to________.

A．read in a quiet place

B．have group discussions

C．take comfortable seats

D．get their computers fixed

2.What condition should be met to book a group－study room?

A．A group must consist of 8 people.

B．Three－hour use per day is the minimum.

C．One should first register at the university.

D．Applicants must mark the room on the map.

3.A student can rent a locker in the library if he________.

A．can afford the rental fee

B．attends certain courses

C．has nowhere to put his books

D．has earned the required credits

4.What should NOT be brought into the library?　　　　　　　　　　　　　　　　　　　

A．Mobile phones.? ????????????? ????????????? B．Orange juice.

C．Candy.? ????????????? ????????????? ????????????? ????????????? D．Sandwiches.