搜索
新视野大学英语三级模拟试题及答案PartIReadingComprehension(SkimmingandScanning)Directions:Inthissection,youwillhave15minutestogooverthepassagequickly.Forquestions1–7,markY(forYES)ifthestatementagreeswiththeinformationgiveninthepassage;N(forNO)ifthestatementcontradictstheinformationgiveninthepassage;NG(forNOTGIVEN)iftheinformationisnotgiveninthepassage.Forquestions8–10,completethesentenceswiththeinformationgiveninthepassage.YouthofToday—Nosavings,nopension,hugedebts—Leavingschooloruniversitymeansfinancialindependence—butdoesitalsomeandebt?Someexpertssaytheyoungshouldtakesomecare.Itislife,butnotasweknowit.Asthisyear’sschoolleaversandgraduatesinBritainmoveontofurthereducationorwork,tastingfinancialindependenceforthefirsttime,theyshowsignsofbeingentirelydifferenttopreviousgenerationsintheirattitudestomoney,accordingtoinformationcollectedbyCash.Usedtodebtbutmoreaffluentthanpreviousgenerations,thecurrentcropof16-to24-year-oldsisacomplexsectorofsociety.Butiftheycanhandletheirdebts,these7.5millionyoungadultshavethepotentialtobecomequitesophisticatedonmoneymatters.Cashlookedforthefinancialhallmarksofthisgroup.Theyaregoingtobebigspendersandwillbetargetedheavilybyretailers.“Themarketforproductsandservicesaimedatthisgrouphascontinuedtothrive,”concludesresearchorganizationMintelinitsrecentreportforretailers“SellingtoandProfitingfromtheUnder25s”.Thisis“partlybecausetheperiodduringwhichpeopleareyoung,freeandsingle,unencumbered（不受妨碍的）byparentsand/orchildrenhasexpandedtothelatetwentiesandearlythirties,”itsays.While13percentofthepopulationregularlypaystheirutility（公共设施）,creditcardandotherbillslate,thisproportionrisestoaremarkable64percentfor18-to24-year-olds,accordingtoresearchconductedamong1,000adultsbyuSwitch.com.Intheory,thissuggeststhatmorethan4millionofthemareheadingforsuchpoorcreditratingsthattheywillfinditdifficulttoborrowinthefuture.Butlendersmaybecomemoreflexibleintheirlendingtermsratherthanloseoutonthishugesectoroftheconsumermarket.Nearlyoneinthree(28percent)ofpeopleunder35“donotconsidertheirfuturefinancialposition”,accordingtoresearchfromAccentureHRServices.Althoughhalfof18-to25-year-oldswanttoowntheirhomesomeday,theyseealmostinsurmountablehurdles,accordingtoMintel:“Forthosewhohadnotyetboughttheirownproperty,theprospectoftryingtodososeemeddaunting—ifnotimpossible—financially.”Orcoulditbethattheirfutureprosperitywilldependonwhethertheyinheritpropertyfromtheirparents?Theyregardasnecessitiesmanyitemswhichwereseenasluxuriesbytheirparentsatthesameage.Morethannineoutof10havetheirownmobilephone.“Somelookedontheirphoneasakindofsecurityblanket,feelinglostwithoutit,”saysMintel.Acarisseenas“vital”by64percentof18-to25-year-olds,anddesignerclothesarewornby44percentofmenand35percentofwomeninthisagegroup,addsMintel.Computerequipmentisahighpriorityformanytwenty-year-olds.Audio-visualequipmentisparticularlyvaluedbyyoungmen.Creditcardownershipisincreasing.Nearlytwothirdsofyoungadultshaveacard.Morethanhalf(58percent)oftheunder-25sdonotpayofftheircreditcardbillinfulleachmonth,accordingtoMintel—including16percentwhoowemorethan￡500.Withcreditcardownershippredictedtoincreasenearly20percentby2009,theyoungeragegroupcouldbeincreasinglytargeted,astheyaremoreaccustomedtoborrowingthanoldergroups.Debtiscommonplaceinthisagegroup.Barclayspredictsthatgraduatedebtwillaverage￡17,500in2006,risingtonearly￡34,000by2010.Athirdofthisgroupbelievetheyare“tooyoung”tostartthinkingaboutapension,accordingtoAccenture.“Thereisaseachangeinbehaviorgoingonhere,”saysMervynKohlerofHelptheAged.“Forrecentgraduateswhoaresaddledwithdebtandstrugglingtobuyahome,thelastthingtheywouldcareaboutispensionplanning.Theyhavealsoheardthemessagethattheywillhavetoworkuntiltheydrop,sotheywonderwhytheyshouldbotherwithapension.Butwhentheyretire,theywillexpectthestatetobailthemout.”Thereisevidencetobackuptheirinstincts.Morethan73percentofthecurrentcropofforty–year–oldsareoncoursetobeonPensionCreditandothermeans—testedbenefitswhentheyretire,accordingtotheInstituteofFiscalStudies.Unlesschangesaremadetothesystem,thisproportionwillincrease.Despitethesedisturbingfindings,thereislightattheendofthetunnelfortheyoung.HelenBowman,welfareofficeratDeMontfortUniversity’sStudentFinanceAdviceCentre,believesthatmany18-year-oldsgetintofinancialdifficultyoutofignorancebutthat“theytendtobevery,verygood”atdealingwithproblemswhentheyfaceuptoreality.Partoftheproblemisthatmanyhavereceivedlittlefinancialeducationfromtheirparents.Someyoungadultsdonotevenknowhowtoshopforfoodandmanydonotrealizethatconveniencefoodfromcornershopswillbemoreexpensivethanfruitandvegetablesandotherbasicingredientsboughtinmarketsorbylookingforbargains,valuerangesanddiscountsinsupermarkets.Thegenerosityofparentscanalsobackfire.“Theredoescomeapointwhereparentshavetostophelping,”saysBowman.Creditcardcompanieshavemadedebtfartooaccessible,shebelieves.Itcouldbethatlendingismorestrictlyregulatedbytheauthoritiesinfuture.TheLiberalDemocratsareincreasinglyconcernedattheeasyavailabilityofcreditandthisissuecouldwellmoveupthepoliticalagenda.Thelocationofcashmachines