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.

                                      

Catherine Destivelle is rock star.She loves rock,but she can’t sing or play the guitar!She is a rock climber and a big star in France and Italy.She is the most famous woman climber in the world because she climbs without ropes.She climbs in many countries but most often in the French Alps near Chamonix,where she lives.She started climbing near her home in Paris when she was five.Then,at fourteen,she joined the French Alpine Club to learn more,but immediately she climbed better and more quickly than the older members of the club.She won her first competition in Italy in 1995.

  Three years ago she found a new route up the Dru Moun-tain near Chamonix.The climb took eleven days and for four days the snow was so heavry that she could not move.Last year other climbers tried to follow the new Destivelle Route,but they failed.They are going to try again this year.

    People always ask her about her climbing.She says,“I climb because I’m in love with mountains.I like touching the rock and reading the face of the rock.I like it a lot.I felt at home on the side of a mountain.I prepare well before I go,so I’m never worried.”

   Catherine chooses new mountain from books-like buying from a shopping catalogue（目录）! “I see a nice mountains and I go to climb it!”Her next mountain is in Pakistan. She is going there next mounth：“It’s much bigger than the Dru, so it’s going to take longer to climb.An American climber,Jeff Lowe,is coming with me to help. ”

1.Catherine Destivelle is called “a star” because__________.

A.she won a competition in 1995

B.she loves rocks

C.she’s a famous woman climber

D.she found a new route up to the Dru Mountain

2.She had great trouble finding a new route up the Dru Mountain because____________.

A.she lost her way                        B.the climb took 11 days.

C.she needed help from an American climber   D.there was heavy snow

3.On the side of a mountain she feels __________

A.worried      B.easy and happy      C.ike going home      D.well

4.We can infer from the passage people often ask her“____________”.

A.Why do you like climbing?

B.Are you in love with an American climber?

C.Do you enjoy reading books on mountains?

D.What do yo do before you go climbing?

Jane said to Mary, “What are you going to do tomorrow?”

   Jane asked Mary ___________.

   A. what was she going to do the next day

   B. what she was going to do tomorrow

   C. what she was going to do the next day

   D. what was she going to do tomorrow

 

Driving Offence Points System

What is Driving Offence Points System?

After the introduction of this system, certain traffic offences will earn the driver points besides other punishment. If a driver makes any of these offences, the points will be recorded. When the driver gets a certain number of points, he will be forbidden to drive for a certain amount of time.   

What are the purposes of this system?

This is a system designed to make road much safer. It can improve standards of driving and reduce the accident rates.

Which traffic offences will result in Driving Offence points?

Of course, not all traffic offences are covered by this system. Only those that have direct effect on road safety are included. There are altogether fourteen items.

Code	Offence	Points
1	Causing death by dangerous driving	10
2	Dangerous driving	10
3	Careless driving	5
4	Driving after drinking or taking drugs	10
5	Driving over speed limit by more than 15 km/hour	3
6	Driving in a motor race on the road	10
7	Failing to stop after an accident	3
8	Failing to give information after an accident	3
9	Failing to report an accident	3
10	Failing to obey directions of police officers	3
11	Crossing double white lines	3
12	Failing to obey traffic signals	3
13	Failing to give way to walkers at a crosswalk Failing to stop for people walking	3
14	Failing to stop at school crossing	3

What will happen if you have got up to 10 points?

If you have got 10 points or above, but still less 15 points, you will receive a warning letter from the Transport Department. This letter will tell your record of Driving Offence Points and remind you of the result of getting more points. It is hoped that this warning will change your driving behavior for the better.

What will happen if you have got 15 points?

If you have got 15 points or more within two years, a court will take away your driving license. The first time you are found guilty you will not be able to drive for three months, but if you are caught a second time you will not be able to drive for six months.

1.The underlined word “Offence”（paragraph 1）refers to ________.

A．a driving habit	B．an official of road safety
C．bad behavior in the office	D．an action against the traffic law

2.The Driving Offence Points __________.

A．is a system that helps to improve the driving standards

B．are points earned because of dangerous driving

C．shows traffic offences of different kinds

D．is a guide dealing with traffic offences

3.What will happen to you if you have got 13 points?

A．You will be punished for the points.

B．Your driving license will be taken away.

C．Your record will be sent to the Transport Department.

D．You will get a warning letter from the Transport Department.

4.What will happen to you if you are caught driving dangerously and two months later you are caught driving after drinking?

A．Your license will be taken away.

B．You will be taken to the police station.

C．You will not be able to drive for 3 months.

D．You will not be able to drive for 6 months.