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.

From my first day, I was attending press conferences and other media events all over town. I got to attend events at places I had never thought I’d get to: the White House, the Senate and House of Representative buildings at the Capitol (国会大厦), the Department of Health and Human Services, just to name a few. And I was sent to cover these events as if I were a reporter, not just an intern (实习生) .

 In fact, I never really felt like an intern. I was given the opportunity to do the work that everyone else at the paper was doing. I covered stories on my own and wrote the articles myself. I was included in discussions for story ideas. I helped to edit the articles that went into the paper. I was able to take part in every aspect of the newspaper that I wanted to experience.

 The best part of working at the Nation’s Health was the staff. They were supportive in letting me go out and do things on my own, while I always knew that they would be more than happy to answer any questions or help me with any problems I might have. Best of all, they treated me as their equal, not just an intern whom they could get to do all the work they didn’t want to do.

After interning at the Nation’s Health for nearly seven months and having more than 30 articles published, I had to move on. My experience there gave me insight into how the media work, which helps me when I’m trying to choose stories. In addition, it showed me that work really can be fun.

1.What is the passage mainly about?

A. How good reporting begins with journalism interns.

B. The author’s opportunity to work at the Nation’s Health.

C. The author’s experience working as an intern

D. The author’s first day as a professional reporter.

2.What impressed the author most when working at the Nation’s Health?

A. The employees treated her as one of them equally.

B. The opportunity to work alone.

C. Covering stories and writing articles

D. Coming up with story ideas for the newspaper.

3.We can infer that the author had thought an intern would be made to ____.

A. go to as many places as possible

B. do the boring things that others didn’t want to do

C. treat people equally, no matter who they were.

D. get help from a professional reporter

4.What did the author think of her experience of working at the Notion’s Health?

A. Meaningful    B. Disappointing     C. Tiring    D.  Surprising

We’ve all been hurt by another person at one time or another. This pain causes problems. It not only causes us to be unhappy, but can ruin relationships, distract(使分心) us from work and family and other important things, make us unwilling to open up new things.
We need to learn to let go. We need to be able to forgive, so we can move on and be happy. Forgiveness does not mean you erase the past, or forget what has happened. All it means is that you are letting go of the anger and pain, and moving on to a better place.
It’s not easy, but you can learn to do it.
Think about the advantages and disadvanges. Think of all the problems this pain causes you, and realize you need to change. Then think of the benefits of forgiveness—— how it will make you happier, free you from the past and the pain, and improve your relationships and life in general.
Try to put yourself in that person’s situation. Try to understand why the person did what he did. What could he have felt as he did it, and what did he feel afterward? How does he feel now? You aren’t saying what he did is right, but are trying to understand instead.
Understand your responsibility. Try to figure out how you could have been partly responsible for what happened. This isn’t to say you’re taking all the blame, or taking responsibility away from the other person, but to realize that we are not victims(受害者) but participants in life.
Allow peace to enter your life. As you focus on the present, try focusing on your breathing. Imagine each breath going out is the pain and the past, and imagine each breath coming in is peace, entering you and filling you up.
Title:  How to let go and forgive

I have only once been in trouble with the law．The whole process of being arrested and taken to court was a rather unpleasant experience at the time, but it makes a good story now． What makes it rather disturbing was the arbitrary（随意的）circumstances both of my arrest and my subsequent （随后的） fate in court．

It happened in February about twelve years ago．I had left school a couple of months before that and was not due to go to university until the following October．I was still living at home at the time．

One morning I was in Richmond, a suburb of London near where I lived．I was looking for a temporary job so that I could save up some money to go traveling．As it was a fine day and I was in no hurry, I was taking my time, looking in shop windows, strolling in the park, and sometimes just stopping and looking around me．It must have been this obvious aimlessness that led to my downfall．

It was about half past eleven when it happened．I was just walking out of the local library, having unsuccessfully sought employment there, when I saw a man walking across the road with the obvious intention of talking to me．I thought he was going to ask me the time．Instead, he said he was a police officer and he was arresting me．At first I thought it was some kind of joke

But then another policeman appeared, this time in uniform, and I was left in no doubt．

'But what for?" I asked

‘Wandering with intent to commit an arrestable offence,' he said．

‘What offence?' I asked

'Theft,' he said

'Theft of what?'I asked

'Milk bottles,' he said, and with a perfectly straight face too!

'Oh,' I said．

It turned out there had been a lot of petty thefts in the area, particularly that of stealing milk bottles from doorsteps．

Then I made my big mistake．At the time I was nineteen, had long untidy hair, and regarded myself as pan of the sixties' 'youth counterculture'．As a result, I wanted to appear cool and unconcerned with the incident, so I said, 'How long have you been following me?  in the most casual and conversational tone I could manage．I thus appeared to them to be quite familiar with this sort of situation, and it confirmed them in their belief that I was a thoroughly disreputable （品行不端的） character．

         A few minutes later a police car arrived．

         'Get in the back,' they said．'Put your hands on the back of the front seat and don't move them．'

         They got in on either side of me．It wasn't funny any more．

         At the police station they questioned me for several hours．I continued to try to look worldly and familiar with the situation．When they asked me what I had been doing, I told them I'd been looking for a job．'Aha,' I could see them thinking, 'unemployed'．

Eventually, I was officially charged and told to report to Richmond Magistrates' Court the following Monday．Then they let me go．

I wanted to conduct my own defense in court, but as soon as my father found out what had happened, he hired a very good solicitor （律师） ．We went along that Monday armed with all kinds of witnesses, including my English teacher from school as a character witness．But he was never called on to give evidence．My 'trial' didn't get that far．The magistrate （法官） dismissed the case after fifteen minutes．1 was free．The poor police had never stood a chance．The solicitor even succeeded in getting costs awarded against the police．

And so I do not have a criminal record．But what was most shocking at the time was the things my release from the charge so clearly depended on．I had the 'right' accent, respectable middle-class parents in court, reliable witnesses, and I could obviously afford a very good solicitor．Given the obscure nature of the charge．I feel sure that if I had come from a different background, and had really been unemployed, there is every chance that I would have been found guilty．While asking for costs to be awarded, my solicitor's case quite obviously revolved （回转） around the fact that I had a 'brilliant academic record'．

Meanwhile, just outside the courtroom, one of the policemen who had arrested me was gloomily complaining to my mother that another youngster had been turned against the police． 'You could have been a bit more helpful when we arrested you,' he said to me reproachfully （责备地） ．

What did he mean? Probably that I should have looked outraged （暴怒）and said something like, 'Look here, do you know who you're talking to? I am a highly successful student with a brilliant academic record．How dare you arrest me!' Then they, probably, would have apologized perhaps even taken off their caps, and let me on my way．

1.Judging from the first paragraph, the writer's attitude towards his story is _______．

A．angry                                          B．sad

C．amused                                      D．more than just one of the above

2.The first man who came up to him was ______．

A．a uniformed policeman                  B．a policeman in plainclothes

C．not a policeman                          D．a good joker

3.The court never asked the author's English teacher to give evidence because _______．

A．the time for the trial was limited to fifteen minutes only

B．the author wanted to conduct his own defense in court

C．the case was dismissed before the trial reached that stage

D．he was found to be unqualified as a character witness

4.The author believes that he would most probably have been declared guilty if _______．

A．the magistrate had been less gentle

B．he had really been out of work

C．he had been born in a lower—class family

D．both B and C

5.In the opinion of one of the policeman who had arrested the author, the whole thing might not have occurred if ______．

A．he had protested strongly at the time

B．he had begged to be allowed to go home

C．he hadn't wandered aimlessly

D．he had tried to look cool

6.We can see from the passage that the author ______．

A．has broken the law only once

B．has never broken the law

C．has broken the law on more than one occasion

D．once broke the law without knowing it