【正文】 answer. We39。s an underlying fear. If you don39。s youth. Others have attributed increased cheating to the fact that today39。 enthusiasm about moneymanagementC. help Americans to overe the financial crisisD. enable Americans to manage money wisely32. According to the author, the National Financial Capability Challenge will be_______.A. ineffective B. rewarding C. costlyD. wellreceived33. By saying that the financialliteracy movement has gained steam(Para .3), the author means that the movement______.A. has received much criticismB. has been regarded as imaginativeC. has been more and more popularD. has gone through financial difficulties34. Lewis Mandell suggests that we should figure out how to ________.A. manage money in a more efficient wayB. carry out financialliteracy education properlyC. improve the social awareness of financial educationD. help students score better in moneymanagement courses35. Jeroo Billimoria is most likely to agree that mercial and social pressures make one39。 hands and talking openly about the emotions and social influences tied to how we spend.Other initiatives are tacking such realworld issues as the mercial and social pressures that affect purchasing decisions. Why exactly do you want those expensive brandname shoes so badly? It takes confidence to take a stand and to think differently, says JerooBillimoria, founder of Aflatoun, a nonprofit whose curriculum, used in more than 30 countries ,aims to help kids get a leg up in their financial lives .” “This goes beyond money and savings31. The financialliteracy education is intended to________.A. increase Americans39。t.We need to figure out how to do this the right way, says Lewis Mandell, a professor at the University of Washington who after 15 years of studying financialliteracy programs has e to the conclusion that current methods don39。t save nearly enough for retirement.In response, supporters of financialliteracy education are moving with renewed enthusiasm. School districts in states such as New Jersey and Illinois are adding moneymanagement courses to their curriculums. The Treasury and Education departments are sending lesson plans to high schools and encouraging students to pete 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。t so good at moneymanagement. We take out home loans we can39。s diet is not a good idea.The only way to know what is truly healthy for your own body is to talk to a nutritionist or dietician, who can help you choose foods that are right for you as well as guide you toward a proper exercise program for weight loss, or muscle gain. These professionals will never tell you to cut out carbohydrates entirely! The bottom line listen to the experts, not the advertisers!26. As is used in Paragraph l, the word exhausted most possibly means______A. startledB. starvingC. derivedD. deprived27. According to the author, advertisers who sell “carbfree” products_______A. value consumers39。 some fight diseases such as high blood pressure and heart disease, and others help to prevent cancer and stroke. Cutting these foods out of your diet may deprive your body of the many health benefits of carbohydrates.One of the best benefits of carbohydrates is their ability to help to maintain the health of our organs, tissues, and cells. Scientific studies have shown that one type of carbohydrate called fiber reduces the risk of heart disease. Carbohydrates also contain antioxidants (抗氧化劑) , which protect the body39。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 bear their sound on plate B. she is afraid that they may hurt herC. she has never used them beforeD. she has been injured by them before22. The phrase rats with wings (Para. 3) refers to______A. devils B. exotic ratsC. pigeonsD. strange birds23. The author39。t walk in certain parts of the city and runs screaming from the subway when one of these rats with wings finds its way onto the platform. Another friend is disgusted with cheese. Once I saw her run away from a slice of it. So where does an irrational fear of cheese e from?Are phobias something we inherit from our genes or do we acquire these unusual anxieties over time?Ever since I can remember I have been unreasonably frightened of elevators. There was no terrible childhood experience and I am fine with confined spaces, but something about elevators makes me nervous. And so, when my boyfriend and I found ourselves trapped in an elevator last year because these sorts of things always happen eventually I was anticipating the worst.While he gave me a suggestive eyebrow raise and proposed we take advantage of the situation, I began screaming uncontrollably. I was far from turned on by the whole facing my worst nightmare thing.However, after the fear subsided(消退)I realized that, yes, this was my greatest fear e true, and yet it wasn39。s been using plastic ones for 17 years because the sound of a fork rubbing against a plate gives her a panic attack.Strange, right? But