【正文】 fer whales to snakes.RECEPTIONIST: Yeah. And if you just want to relax you are free to sit by the hotel pool or go down the beach. Oh, and they also have tennis courts at the hotel, but you have to pay for those by the hour. But there are table tennis tables downstairs and they39。s usually around $300 but let me check. Er...oh, it39。ll do is I39。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 T for tango. When you call back, ask to speak to the Tour Manager, that39。s“Buyer Beware” programme, where we give you some tips on how to spend your money wisely. How, in today39。re looking at beds for children and babies. Let39。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。 our testers found they were too wide and a baby could easily trap his head. We felt this was a real safety hazard and so we have labelled this one dangerous, I39。s Choice cot. This cot was slightly different in that, although the side bar did not drop down, the base could be raised or lowered into two different positions making it safe as well as convenient. The negatives for this one were quite minor。s Choice cot our best buy. Congratulations Mother39。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 already looked at it. In fact, I thought the information on course content was really useful, but I39。m a bit confused by all the different ways you can do the course: fulltime intensive, parttime and so on.MONICA: Well, let39。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。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 really want to do the fulltime course, then?ANDREW: No, not really. It39。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。modular39。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。s a mixture. You39。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。modular39。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。 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 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。s true, so that might be a problem for you. Look, why don39。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。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。 lie also said, 39。. 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 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。re far more likely to put money aside for their old age than women are. Now this is rather disturbing, because in fact the need for women to save for their old age is far greater than for men. Let39。t have a spouse to look after them. Furthermore the high divorce rates in North America are creating a poverty cycle for women. It is the divorced women who will most often have to look after the children and thus they need more money to look. after not just themselves but others.So what can be done about this situation? The population in North America is likely to contain an inc