【正文】 e in the National Financial Capability Challenge that begins in March. Students with top scores on that exam will receive certificates but chances for longterm benefits are slim. As it turns out, there is little evidence that traditional efforts to boost financial knowhow help students make better decisions outside the classroom. Even as the financialliteracy movement has gained steam over the past decade, scores have been falling on tests that measure how well students learn about things such as budgeting, credit cards, insurance and investments. A recent survey of college students conducted for the Jump Start Coalition for Personal Financial Literacy found that students who39。s help was importantD. she could have had a good time with her boyfriend25. The purpose for the author to share her experience is to_______A. introduce what strange fears people haveB. explain why people have strange fearsC. illustrate conquering a fear can be difficultD. encourage people to overe their fearsPassage TwoThe American public39。t looking! They don39。m talking aboutBurney: There were two men, I think. No, three. They ran into the bank and the one with the gun，the tall one, he runs up to the window, and starts shouting something. I don39。re in black and white. I think a good story is more important than color.Speaker A: And there was no violence in old movies.Speaker B: No, there wasn39。s not alone. While popular phobias(恐懼癥) about snakes and spiders might get all of the attention, there are a wide variety of notsoobvious horrors that make people nervous.While some phobias might seem a bit silly, they can cause serious emotional distress. My coworker Magda is terrified of pigeons, a phobia that is taking over her life. She won39。s cells from harmful particles with the potential to cause cancer.This does not mean that the human body can survive on a diet posed entirely of carbohydrates. We also need certain percentages of proteins and fats to maintain healthy bodies. But carbohydrates certainly should not be avoided altogether. In fact, the food pyramid, the remended basis of a healthy diet, shows that a person should consume six to eleven servings of breads and grains, as well as three to four servings each of fruits and vegetables all carbohydratecontaining foods. It is easy to see why cutting carbohydrates out of a person39。t work. A growing number of researchers and educators agree that a more radical approach is needed. They advocate starting financial education a lot earlier than high school, putting real money and spending decisions into kids39。t do well, your life is going to be ruined. The pressure is not only form parents and friends but from oneself .To achieve .To succeed .It’s almost as though we have to outdo other people to achieve our own goals.Edward Wynne, a magazine editor, blames the rise in academic dishonesty on the schools. He claims that administrators and teachers have been too hesitant to take action .Dwight Huber, chairman of the English department at Amarillo .sees the matter differently, blaming the rise in cheating on the way students are evaluated. I would cheat if I felt I was being cheated, Mr. Huber said. He feels that as long as teachers gives shortanswer tests rather than essay questions and rate students by the number of facts they can memorize rather than by how well they can put information together, students will try to beat the system. The concept of cheating is based on the false assumption that the system is legitimate and there is something wrong with the individual who are doing it, he said. That39。 worth of surveys of American parents and tracked 63 different measures of parental participation in kids39。ve pleted their work. I think the latter is more helpful than the former. I would also certainly hope that no study would discourage parents from monitoring their children39。 by buying gifts they did not explicitly request to surprise them, the researchers write. Their clever paper asks givers and receivers to 53 gifts from two perspectives: desirability (. the cost of a coffee maker) and feasibility(. the 54 of the coffee maker).Across several experiments, they find that givers consistently give gifts based on desirability and receivers 55 favor gifts based on feasibility .46. A. opened B. have opened C. opening D. to open 47. A. in return B. in place C. in turn D. in person 48. A. How B. Why C. When D. Whether 49. A. In many cases B. In many ways C. To sum up D. To be sure50. A. take up B. make for C. lead to D. work out 51. A. surprised B. happy C. more surprised D. happier 52. A. but for B. as to C. rather than D. regardless of 53 A. measure B. select C. classify D. decide 54. A. ease B. cost C. quality D. look55. A. continuously B. nevertheless C. whereas D. unexpectedlyPart V Text Completion (20 points)Directions: In this part there are three inplete texts with 20 questions (Ranging from 56 to 75).Above each text there are three or four phrases to be pleted. First, use the choices provided in the box to plete the phrases. Second, use the pleted phrases to fill in the blanks of the text. Mark your answer on the Answer Sheet.Text One A. so B. watching TV C. hire themPhrases:A. and understandably 56 AB. that the panies that 57 want moneyC. that could be spent 58 Children are a special target of advertisers, 59 . Young people are shopping and spending more than ever before. Researchers suggest that children who are highly involved in consumer culture are more prone to childhood depression and anxiety and have worse relationships with their parents. They said: You cannot totally protect your kids from advertising because it is everywhere. So you can explain to your kids that advertisers have an agenda and 60 . They don39。再來看段落中，65空前面有個破折號，前面有個than other prices，這里是與其他進(jìn)行比較，且有個破折號，起到解釋說明補(bǔ)充的作用，所以這里是選A