Parents need to be good role models to help their children make sensible financial decisions, according to Adam Hancock and hs team, from East Caronlina University in the US. Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years. Their work is published online in Springer's Journal of Family and Economic Issues.

   Credit card debt among college students has been a growing concern for researchers and policymakers over the last decade. In addition, there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially. Hancock and colleagues' study is the first to examine how parental interactions, and financial knowledge and attitudes may have a cumulative effect（累积效应）on the number of credit cards students own and their level of credit card debt.

   The researchers analyzed data for 420 undergraduate students from seven different American universities, who took part in the College Student Financial Literacy Survey. According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one. Those students who reported that their parents argued about finances were more likely to have more than two cards than the students whose parents who did not argue about finances.

In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over ＄500.

The researchers conclude, "It is clear that the influence of parents cannot be neglected. Researchers, educators and policymakers should work in finding effective ways to increase the positive financial behaviors fo college students. We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root."

31. In Adam Hancock's research, student's credit card debt is related to their _________.

   A.knowledge            B.concerns           C.school            D.parents

32. When college students have credit card debt, they may ________.

   A.quit school                                B.fail in their exams  

   C.study financial knowledge                    D.have more credit cards

33. What can we infer from Paragraph 3?

   A. More than 400 students i a university took the survey.

   B. The survey was conducted with the paper questionnaire.

   C. Nearly all the students in this survey have credit cards.

   D. Students have fewer cards if their parents argue more.

34. If you have two or more credit cards, you are more likely to ________.

   A.get wealthy           B.have argument       C.buy more things   D.become in debt

35. As a student, what can yo learn from the passage?

   A. We need to turn to our parents when we have credit card debt.

   B. We should build correct financial attitudes when we are young.

   C. We shouldn't have credit cards so that we can avoid argument.

   D. We can have more credit cards to make life more comfortable.

The clock struck eleven at night. The whole house was quiet. Everyone was in bed except me. Under the strong light，I looked sadly before me at a huge pile of that troublesome stuff（东西） they call “books”。
I was going to have my examination the next day.  “When can I go to bed？” I asked myself. I didn’t answer，In fact I dared not.
The clock struck twelve. “ Oh，dear！” I cried. “Ten more books to read before I can go to bed！” We pupils are the most wretched creatures（生物） in the world. Dad does not agree with me on this. He did not have to work so hard when he was a boy.
The clock struck one. I was quite desperate（绝望的）now. I forgot all I had learned. I was too tired to go on. I did the only thing I could. I prayed，“Oh，God，please help me pass the exam tomorrow. I do promise to work hard afterwards，Amen.” My eyes were so heavy that I could hardly open them. A few minutes later，with my head on the desk，I fell asleep.
【小题1】The underlined word “wretched”in Paragraph 3 probably means _______ .

Believe it or not, a rain check is not a weather report. A rain check is a small piece of paper. When can you get a rain check? Well, if you are going to a ball game or some other open-air activity and it is called off because of rain or some other reason, you may receive a rain check. With it you may go there again without paying.

You may also receive a rain check at a shop. As you know, sometimes when you go to a shop to buy something which is on sale, it is sold out. You may ask the assistant to give you a rain check and with it you can go again next time to buy what you need at the sale price.

Here’s another way to use this word. If someone invites you to go somewhere, you would like to go very much but cannot, you may say “May I have a rain check?” This means, “I will come next time.” But you can never say “May I take a rain check?” when your teacher gives you some homework.

根据短文内容，判断一下句子的正（T）误（F）。

1.A rain check is a piece of paper with weather report on it.    (  )

2.When a ball game is called off because of rain, we can get a rain check.    (  )

3.We can buy something we need without paying with a rain check.    (  )

4.Sometimes a rain check means “I will come next time.”    (  )

5.Teachers will be glad to give their students a rain check when they ask them to do some homework.    (  )

TODAY, Friday, November 12
JAZZ with the Mike Thomas Jazz Band at The Derby Arms. Upper Richmond Road West, Sheen.
DISCO Satin Sounds Disco. Free at The Lord Napier, Mort lake High St., from 8a. m. to 8p. m. Tel: 682—1158.
SATURDAY, November 13
JAZZ Lysis at The Bull’s Head, Barnes. Admission 60p.
MUSICAL HALL at The Star and Garter, Lower Richmond Road, Putney, provided by the Aba Daba Music Hall company. Good food and entertainment fair price. Tel: 789—6749.
FAMILY night out? Join the sing-along at The Black Horse. Sheen Road, Richmond.
JAZZ The John Bennett Big Band at The Bull’s Head, Barnes. Admission 80p.
THE DERBY ARMS, Upper Richmond Road West, give you Joe on the electric accordion(手风琴). Tel: 789—4536
SUNDAY, November 14
DISCO Satin Sounds Disco, free at The Lord Napier, Mort Lake High Street, from 8 a. m. to 8 p. m.
FOLK MUSIC at The Derby Arms. The Short Stuff and residents the Norman Chop Trio. Non-remembers 70p. Tel: 688—4626.
HEAVY MUSIC with Tony Simon at The Bull, Upper Richmond Road West, East Sheen.
THE DERBY ARMS, Upper Richmond Road West, give you Joe on the electric accordion.
45. Where and when can you hear the Norman Chop Trio?
A. At the Bull’s Head on Sunday.
B. At the Derby Arms on Sunday.
C. At the Bull on Saturday.
D. At the Black Horse on Saturday.
46. Where and when can you hear the Mike Thomas Jazz Band?
A. At the Derby Arms on Friday.
B. At the Black Horse on Friday.
C. At the Star and Garter on Saturday.
D. At the Derby Arms on Sunday.
47. You want to enjoy the electric accordion on Saturday. Which telephone number do you have to ring to find out what time it starts?
A. 789—6749.             B. 789—4536.           C. 682—1158.  D. 688—4626.
48. You want to spend the Saturday by joining the entertainment with your family. Where should you go?
A. Disco at The Lord Napier.  B. The sing-along at The Black Horse.
C. The electric accordion at The Derby Arms. D. Jazz at The Bull’s Head.
49. You want to spend the same day at two different places and don’t want to cross any street. Which of the following is your best choice?
A. The sing-along at the Black Horse and Jazz at The Bull’s Head.
B. The sing-along at The Black Horse and Folk Music at The Derby Arms.
C. Folk Music at The Derby Arms and Heavy Music with Tony Simon at The Bull.
D. Musical Hal lat The Star ＆Garter and Disco at The Lord Napier.

–When can I come for the photos? I need them tomorrow afternoon.

-They ___be ready by 12:00

A. can  B. should  C. might  D. need