题目
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Citibank has been among the most active in rebuilding the list of colleges it serves. JPMorgan Chase, PNC and SunTrust say have not dropped whole loan plans, but are cutting colleges. Some less-selective four-year colleges, like Eastern Oregon University and William Jessup University, say they have been dropped by some lenders.
The practice suggests that if the credit crisis and poor conditions in the student loan business continue, some of the nation’s neediest students will be hurt most. The difficulty of borrowing money may keep them from attending school or force them to take a semester（学期） off. For those who have got student loans, they will end up with less attractive terms and may run a greater risk of dropping out if they have to change lenders in the middle of their college year.
Tuition and loan amounts can be quite small at community colleges. But these institutions, which are a stepping stone to other educational programs or to better jobs, often draw students from the lower ranks of the economic classes. According to the most recent data, about a third of US graduates took out loans, a majority of them guaranteed by the government.
“If put too many obstacles in their way to get a loan, they ’ll take a third job or use a credit card,” said Jacqueline K. Bradley, assistant director for financial aid at Mendocino College. “That almost guarantees that they won’t be as successful in their college career.”
Some loan companies have stopped the students loan business entirely, viewing it as unprofitable in the current environment. Students attending first-class, expensive, public and private four-year universities can expect to remain plentiful. The banks generally say these loans are bigger, more profitable, and less risky, perhaps in part because the banks expect graduates from these universities to earn more.
So far, financial aid administrators say they have been able to find some lenders that students can switch to, but this is costly to students--- in money and time.
59. Who will be the most upset at the news?
A. A poor students at a top university. B. A poor students at a community university.
C. A bank clerk dealing with student loan business.
D. A teacher from a for-profitable university.
60. With too many obstacles in their way to get a loan, students will probably __________.
A. switch to top universities B. cancel their credit cards
C. fail in their exams D. win a scholarship
61. When they say something is “government-backed”, you mean it is ___________.
A. guaranteed by the government B. dropped by the government
C. against government D. for government
62. What is the best title for the passage?
A. The students loan business in America. B. Banks and universities in America.
C. Student loans start to drop colleges. D. Credit crisis starts to affect loans.
答案
解析
核心考点
试题【Some of the United States’ biggest banks have closed their doors to students at 】；主要考察你对题材分类等知识点的理解。[详细]
举一反三
B
The teaching of physics in schools is in danger of dying out unless urgent action is taken to deal with a serious lack of teachers, the government is warned today.
The number of students taking physics at A-level has fallen 38% since 1990, according to a research. At the same time the number of new physics teachers has dropped sharply while the shortage is likely to worsen as older teachers retire.
Britain’s leading scientists and engineers expressed alarm over the findings, which they say are part of the problems in science education generally. Lord May of Oxford, president of the Royal Society, the UK’s National Academy of Science, said, “The problems facing science at A-level are well beyond physics. We have over and over again noted the general downward trend of students studying the sciences besides biology and math at A-level. If we fail to deal with this then we may lose the ability to train the next generation of scientists, technologists and engineers.”
Alan Smithers and Pamela Robinson, who did the research in 432 schools and colleges in England and Wales, said that since 1990, the number of physics students had fallen by 38%, from 45,334 to 28,119. Nearly 10% of state schools now do not offer A-level physics, and of those that do 39.5% had five students or fewer taking it this year.
Over the same period, the research discovered, the number of people who are allowed to become physics teachers dropped from about a third of the science total to 12.8%. The supply of physics teachers is not renewing itself, with nearly twice as many aged over 50 as 30 or younger. Another danger is the redefinition of science subjects to “general science”.
Professor Smithers and Dr Robinson warn that the subject is in danger of dying out in schools.” Physics in schools and colleges is at risk through redefinition and lack of teachers with expertise in the subject,” they said. “If physics is to survive in schools, both as basic education and as a platform for higher level study and research, there is a need for immediate action.”
60. From what Lord May of Oxford said, we can learn that____________.
A. he worries about the future of science education.
B. the top scientists have not noticed the problem until recently.
C. the UK has lost the ability to train scientists and engineers
D. biology and math do not face the same problems as physics.
61. The underlined word “renewing” is closest to _______in meaning.
A. continuing B. offering C. saving D. replacing
62. What is the best title for the passage?
A. Lack of Physics Teachers Causes Trouble. B. How Important the Physics Is!
C. Physics Is Dying Out in Schools. D. Why Do We Study Physics?
(B)
People can be addicted to different things — e.g. alcohol, drug, certain foods, or even television. People who have such an addiction are compulsive: they have a very powerful psychological need that they feel they must satisfy. According to psychologists, many people are compulsive spenders. They feel that they must spend money. This compulsion, like most others, is impossible to explain reasonably. For compulsive spenders who buy on credit, charge accounts are even more exciting than money. In other words, compulsive spenders feel that with credit, they can do anything. Their pleasure in spending large amounts is actually greater than the pleasure that they get from the things they buy.
There is even a special psychology of bargain hunting. To save money, of course, most people look for sales, low prices, and discounts. Compulsive bargain hunters, however, often buy things that they don’t need just because they are cheap. They want to believe that they are helping their budgets, but they are really playing an exciting game. When they can buy something for less than other people, they feel that they are winning. Most people, experts claim, have two reasons for their behavior: a good reason for the things that they do and the real reason.
It is not only scientists, of course, who understand the psychology of spending habits, but also business people. Stores, companies, and advertisers use psychology to increase business. They consider people’s needs for love, power, or influence, their basic values, their beliefs and opinions, and so on in their advertising and sales methods.
Psychologists often use a method called “behavior therapy(疗法)” to help individuals solve their personality problems. In the same way, they can help people who feel that they have problems with money.
60.According to the psychologists, a compulsive spender is one who spends large amounts of
money _____.
A. and takes great pleasure from what he or she buys
B. in order to satisfy his or her basic needs in life
C. just to meet his or her strong psychological need
D. and feels he or she is cheated
61. Which of the following statements is TRUE according to the text?
A. People spend money for exactly the same reason that they need to buy things.
B. Business people and advertisers can use the psychology of people’s spending habits to
increase sales.
C. Business people understand the psychology of compulsive buying better than scientists do.
D. Compulsive bargain hunters do not have problems with money.
62. What is the text mainly about?
A. The psychology of money-spending habits.
B. The habits of compulsive spenders.
C. A special psychology of bargain hunting.
D. The use of the psychology of spending habits in business.
63.From the text we may safely conclude that compulsive spenders or compulsive bargain hunters
_______________.
A. are really unreasonable B. need special treatment
C. are really beyond drugs D. can never get any help to solve their problems with money
(C)
Many people often say there is more stress in today"s society than in years past. In fact, these people are comparing our lives with that of the cave man, who didn"t have to worry about the stock market or the atomic bomb. They forget that the cave man worried about being eaten by a hear while he was asleep, or about dying of hunger--things that few people worry much about today.
Actually stress is a normal state of affairs, and it"s important that people understand what they are talking about when they speak about stress. Whenever anyone experiences something unpleasant, for lack of a better word they say they are under stress. Yet there is such a thing as pleasant stress--as in the case of the Olympic winner at the moment of his glory, or a conductor as his orchestra performs particularly well. They are just sending out excitement, and they are giving off all the stress hormones exactly the same as if they were in low spirits or had just heard of a death in the family. We call the pleasant or healthy kind "eustress” and the unpleasant or unhealthy kind "distress".
Then how can people deal with stress? The secret is not to avoid it but to "do your own thing". It implies doing what you like to do and what you are made to do at your own speed. For most people, it is really a matter of learning how to live and how to behave in various situations, to decide: “Do I really want to take my father"s business or be a musician?” If you really want to be a musician, then be one.
64. What can be inferred from the first paragraph?
A. Modern people experiences more stress than the cave man.
B. The cave man experienced more stress than modern people.
C. People don"t suffer more stress today; it"s just that they think they do.
D. Modern people have the same worries as the cave man did.
65. In which of the following situations will you feel "eustress"?
A. Your favorite football team has lost an important game.
B. You have failed an important examination.
C. You are informed of an accident of your best friend.
D. You have won the first prize in an English competition.
66 The purpose of writing the passage is to let us know _________________________.
A. stress does not necessarily refer to unpleasant experience
B. distress is what people call the pleasant kind of stress
C. an Olympic winner feels the same stress as one who loses a family member
D. people will feel eustress and distress at the same time
67. According to the passage, how can people deal with stress?
A. Do things that you really want to do. B. Do whatever you"re expected to do.
C. Try to do things successfully. D. Refuse to do whatever you"re told to.
（D）
Hunting for a job is a painful experience, which nearly everyone must endure at least once in a lifetime. Books are published and magazine articles are written on the subject, all trying to tell job seekers what they should do or avoid in order to win the game. They can’t calm the nervous applicant but they do offer some advice.
To begin with, it is not a good idea to be late. Job interviewers don’t think very highly of the candidate（应聘者）who arrives twenty minutes after the appointed time . The wise job seeker explores the place the day before. Next day he arrives early for the appointment.
What makes a good impression? Being on time does, then, appearance. It is essential for the candidate to be dressed properly and to look alive. It is also very important to look the interviewer in the eye because this “eye contact” gives a strong impression of sincerity and openness.
Many candidates waste a good part of the interview explaining why they want the job; the man or the woman on the other side of the desk is waiting to hear why the would-be employee would be good for the position and for the company.
It is a very difficult task to display oneself to possible employer: one must not be too humble, since it is essential to show one’s good points and experiences. However, bragging（说大话）doesn’t make a very good impression. One thing is certain: interview time is a time for honesty. The interviewer is trying to discover not only the professional worth but also the character of the man or the woman he is meeting. Therefore, he must rely on his observation of the applicant, her manners, what she says and how she says it.
While this examination is going on, the job seeker should remember that she too has a right to be curious. It is recommended that the applicant ask some serious questions about the job, the company, and its future. If the questions are intelligent, they will impress the interviewer favorably.
68. The writer’s purpose in writing the passage is to _____________.
A. offer tips on job seeking B. warn applicants not to be nervous
C. analyze the thinking of interviewers D. stress the difficulty of job seeking
69. Which of the following shows whether an applicant could benefit the company?
A. How early he/she is. B. What he/she is wearing.
C. His/Her explanation for the job. D. His/Her manners.
70. The underlined word “humble” probably means _____.
A. humorous B. modest C. honest D. talkative
71. Which of the following statements would the writer agree with?
A. Job seekers should be as early as possible.
B. Job seekers should be dressed as well as possible.
C. Interviewers pay a lot of attention to applications’ behaviors.
D. Interviewers encourage applicants to ask questions.
完形填空（共10小题；每小题1分，满分10分）
阅读下面短文，掌握其大意，然后从第30至第40小题所给的A、B、C、D四个选项中，选出最佳选项，并在答题卡上将该项涂黑。
Would you like the chance to discover a place of mystery and beauty in the southwest of China? If your answer is “yes”, consider a trip to Shangri-la!
The world “Shangri-la” first 31 in the 1993 novel Lost Horizon by the British writer James Hilton. He described a beautiful kingdom where three 32 joined together, snow-capped mountains 33 to the sky, 34 fields of long grass covered the earth. In this perfect world lived people who had discovered how to stay 35 forever.
Three mountains are covered with snow, tower 36 the land. These snowy mountain tops 37 a beautiful picture that will make any viewer speechless.
Lakes, surrounded by vast grasslands, look 38 jewels. Sheep, cows and horses and animals feed 39 on the green grass and the forests around are 40 to lots of birds and animals. In this heavenly world, people live in perfect harmony with nature and the outside world is forgotten.
31 A came B appeared C produced D found
32 A lakes B countries C rivers D railways
33 A reached B expanded C spread D stretched
34 A but B so C because D and
35 A calm B still C young D the same
36 A over B above C on D beyond
37 A are B form C develop D show
38 A as B if C like D for
39 A simply B deeply C finally D mainly
40 A family B room C family D home
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