【正文】 t there were pictures which were simply stuck on and so could easily bee detached. The makers have now promised to discontinue this practice. As this cot will then be safe in every way, we have made the Mother39。s Choice cot our best buy. Congratulations Mother39。s Choice! So, what features should you look for in a baby39。s cot? Well obviously safety is a very important factor as well as fort and convenience. We remend that, if you are buying a cot, do make sure that any metal present is not rusted or bent in any way. You should ensure your cot has only rounded or smooth edging without any sharp edges, this is especially important for wooden cots. And now on to beds for toddlers ...SECTION 3ANDREW: Excuse me, I was told to e here for advice about, erm, Management Diploma courses?MONICA: You39。ve certainly e to the right place. Hi, my name is Monica.ANDREW: Nice to meet you. My name is Andrew, Andrew Harris.MONICA: So, Andrew, have you seen our diploma course prospectus yet?ANDREW: Yes, I39。ve already looked at it. In fact, I thought the information on course content was really useful, but I39。m afraid I39。m a bit confused by all the different ways you can do the course: fulltime intensive, parttime and so on.MONICA: Well, let39。s see if I can help. I think each course type has its advantages and disadvantages, so it really depends on youyour own study habits, and your financial circumstances, of course. Are you working at the moment?ANDREW: Yes. I39。ve been working in the administration section of the local hospital for the last three years. And before that I worked in the office of a puter engineering pany for two years. So, I39。ve got about five years of relevant work experience. And what I39。m hoping to focus on is Personnel Management.MONICA: I see. And are you planning to leave your current job to study, or are you thinking about just taking a year off ?ANDREW: I want to know what my options are, really. I don39。t want to quit my job or anything and my employers are keen for me to get some more qualifications but obviously, it would be better if I could do a course without taking too much time away from work.MONICA: Right, so you don39。t really want to do the fulltime course, then?ANDREW: No, not really. It39。s also a question of finances. You see, my office have agreed to pay the cost of the Course itself, but I would have to take unpaid leave if I want to study fulltime and, well, I don39。t think I could afford to support myself with no salary for a whole year.MONICA: OK. Well, you have two other possibilities: you could either do the parttime course that would be over two years and you wouldn39。t have to take any time off work or you could do what we call a 39。modular39。 course. You could do that in eighteen months if you wanted or longer, it39。s quite flexible and it would be up to you.ANDREW: Mmm. So what does the parttime course involve?MONICA: For that you would join an evening class and have a lecture twice a week. Then, you39。d have to attend a seminar or discussion workshop one weekend a month.ANDREW: What kind of coursework would I have to do?MONICA: Well, it39。s a mixture. You39。d be expected to write an essay each month, which counts towards your final assessment. You have a case study to do by the end of the course, which might involve doing a survey or something like that, and also you need to hand in a short report every four weeks.ANDREW: So, that39。s quite a lot of work, then, on top of working every day. It sounds like a lot of studying and really tiring.MONICA: Yes, you certainly wouldn39。t have much free time! ANDREW: What about the 39。modular39。 course? What would I have to do for that? MONICA: That39。s where you get the opportunity to study fulltime for short periods. That way you can cover a lot of coursework and attend lectures and seminars during the day. And each module lasts for one term, say, about twelve weeks at a time. There are obvious advantages in this the main one being that you can study in a much more intensive way, which suits some people much better.ANDREW: And how many of these 39。modules39。 would I have to do to get the diploma?MONICA: The current programme is two modules and then you have to choose a topic to work in more depth but you can base that on your job, and so you don39。t need to be away from the office, and how long it takes is up to you.ANDREW: The important thing is that you don39。t have to study and work. You can focus on one thing at a time.MONICA: Yes, I can see that. It certainly sounds attractive! It would be more expensive, though. I mean, I39。d have to support myself without pay for each module.ANDREW: That39。s true, so that might be a problem for you. Look, why don39。t you talk this over with your employers and ...SECTION 4OK, so we39。ve been looking at the attitudes of various social and cultural groups towards the management of their personal finances how important they feel it is to save money, and what they save their money for. One aspect that we haven39。t yet considered is gender. So if we consider gender issues we39。re basically asking whether men and women have different attitudes towards saving money, and whether they save money for different things:Back in 1928 the British writer George Bernard Shaw wrote in his Intelligent Women39。s Guide to Socialism and Capitalism that A man is supposed to understand polities, economics and finance and is therefore unwilling to accept essential instruction.39。 lie also said, 39。A woman, having fewer pretensions, is far more willing to learn39。. Now, though these days people might question a lot of the assumptions contained in those statements, recent research does suggest that there are some quite fundamental differences between men and women in their attitudes to economic matters. Let39。s look at what men and women actually save for. Research studies of women in North America have found