【正文】 6 to 163。1,00 per lesson for any you do and you can only use the centre at certain times.MAN: I see. So when exactly？WOMAN: You can only use the facilities between 10 am and 4:30 pm.MAN: So I couldn’t use the pool at 8 in the morning or evening, then?WOMAN: That’s right.MAN: OK. And the price for that? Is the joining fee the same as for Gold?WOMAN: Actually, it’s slightly less than the 163。s education and they are also more likely to save up in order to buy a house one day. The same studies have found that men, on the other hand, tend to save for a car, which by the way takes a surprisingly large amount of the household budget in North America. But the other main priority for men when saving money is their retirement. When they39。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。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。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。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。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。s for children of up to three years old. We tested three different cots all in the budget price range and, as usual, we will feature the good points, the problems and our verdict. The first cot we looked at was by Baby Safe and it had several good points to remend it. Our testers liked the fact that it had four wheels, so it was easy to move around. The only slight problems with this cot were that it had no brakes, but they didn39。ll make a provisional booking, shall I? two for the Whale Watch Experience. Let me issue you with a customer reference number for when you call back. Do you have a pen?CUSTOMER: Yes.RECEPTIONIST: OK, it39。s an extra $12 I think. And there39。s one in three weeks39。s very popular and it39。Whale Watching39。s by minibus. We like to keep those tours small and personal so we don39。s right on the main beach there.CUSTOMER: Oh, I see.RECEPTIONIST: All of the rooms have nice views and the food is really good there too.CUSTOMER: Oh right.CUSTOMER: And what about the other things? You know, that are included in the price.RECEPTIONIST: Oh, there are lots of things. If you don39。s actually $280.CUSTOMER: And the next tour, are there any places on that one?RECEPTIONIST: HOW many people Is It for?CUSTOMER: These are two of us.RECEPTIONIST: Yes, that should be fine. Can I just mention that we require all bookings to be made at least fourteen days before you travel to avoid cancellations of tours. And if you cancel within seven days of departure you will have to pay 50% of your total booking.CUSTOMER: OK.RECEPTIONIST: And you also need to pay a 20% deposit at the time of booking.CUSTOMER: Can I pay that by credit card?RECEPTIONIST: Yes, you can.CUSTOMER: All right, what I39。s show we39。 the only niggle everyone had was the fact that it has no wheels and the only other problem anyone could find, was that 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 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。t have to take any time off work or you could do what we call a 39。t have much free time! ANDREW: What about the 39。d have to support myself without pay for each module.ANDREW: That39。A woman, having fewer pretensions, is far more willing to learn39。re under pressure. Even women in their early twenties need to think about pensions, for example, and with increasing numbers of women in professional positions there are signs that this is beginning to happen. Then research also suggests that women avoid dealing effectively with their economic situation because of a lack of confidence. The best way for them to overe this is by getting themselves properly informed so they are less dependent on other people39。50 joining fee. The annual fee is 163。100 a year for a pany, and 163。300. Does that sound more like what you want?MAN: Well, it’s still rather more expensive than I thought. I’m a student here in England and I’m only here for six months.WOMAN: Ah, then the Bronze scheme would probably suit you best.MAN: How is that different?WOMAN: Well, some of the facilities have restricted use.MAN: And do I have to pay for classes?WOMAN: Yes, it’s 163。s consider this for a moment. To start with, it is a fact that throughout the world, women are likely to live many years longer than men, so they need money to support them during this time. Sinc