Parents need to be good role models to help their children make sensible financial decisions, according to Adam Hancock and hs team, from East Caronlina University in the US. Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years. Their work is published online in Springer's Journal of Family and Economic Issues.

   Credit card debt among college students has been a growing concern for researchers and policymakers over the last decade. In addition, there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially. Hancock and colleagues' study is the first to examine how parental interactions, and financial knowledge and attitudes may have a cumulative effect（累积效应）on the number of credit cards students own and their level of credit card debt.

   The researchers analyzed data for 420 undergraduate students from seven different American universities, who took part in the College Student Financial Literacy Survey. According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one. Those students who reported that their parents argued about finances were more likely to have more than two cards than the students whose parents who did not argue about finances.

In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over ＄500.

The researchers conclude, "It is clear that the influence of parents cannot be neglected. Researchers, educators and policymakers should work in finding effective ways to increase the positive financial behaviors fo college students. We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root."

31. In Adam Hancock's research, student's credit card debt is related to their _________.

   A.knowledge            B.concerns           C.school            D.parents

32. When college students have credit card debt, they may ________.

   A.quit school                                B.fail in their exams  

   C.study financial knowledge                    D.have more credit cards

33. What can we infer from Paragraph 3?

   A. More than 400 students i a university took the survey.

   B. The survey was conducted with the paper questionnaire.

   C. Nearly all the students in this survey have credit cards.

   D. Students have fewer cards if their parents argue more.

34. If you have two or more credit cards, you are more likely to ________.

   A.get wealthy           B.have argument       C.buy more things   D.become in debt

35. As a student, what can yo learn from the passage?

   A. We need to turn to our parents when we have credit card debt.

   B. We should build correct financial attitudes when we are young.

   C. We shouldn't have credit cards so that we can avoid argument.

   D. We can have more credit cards to make life more comfortable.

I’m seventeen. I had worked as a box boy at a supermarket in Los Angeles. People came to the counter and you put things in their bags for them. And carried things to their cars. It was hard work.

　　While working, you wear a plate with your name on it. I once met someone I knew years ago. I remembered his name and said,“Mr Castle, how are you?”we talked about this and that.As he left, he said," It was nice talking to you,Brett.”I helt great,he remembered me. Then I looked down at my name plate. Oh no. he didn’t remember me at all, he just resd the name plate. I wish I had put“Irving”down on my name plate. If he’d have said,“Oh yes, Irving,how could I forget you?”I’d have been ready for him. There’snothing personal here.

　　The manager and everyone else who were a step above the box boys often shouted orders. One of these was:you couldn’t accept tips（小费）。Okay, I’m outside and I put the bags in the car. For a lot of people, the natural reaction（反应）is to take a quarter and give it to me. I’d say,‘‘I‘m sorry, I can’t,”they‘d get angry. When you give someone o tip, you’re sort of being polite. You take a quarter and you put it in their hand and you expect them to say,”Oh,thanks a lot.”When you say‘‘I’m sorry,I can’t.” They'd get angry.When you give someone a tip,you're sort of being polite.You take a quarter and you put it in their hand and yo cxpect them to say, "oh , thanks a lot." When you say,"I'm sorry,I can't,"they feel a little put down. They say "No one will know.”And they put it in your pocket. You say, "I really can’t.”It gets to a point where you almost have to hurt a person physically（身体上）to prevent him from tipping you. It was not in agreement with the store’s belief in being friendly. Accepting tips was a friendly thing and made the customer feel good. I just couldn’t understand the strangeness of some people’s ideas. One lady actually put it in my pocket, got in the car,and drove away. I would have had to throw the quarter at her or eaten it or something.

　　I had decided that one year was enough. Some people needed the job to stay alive and fed. I guess I had the means and could afford to hate it and give it up.

1. what can be the best title for this text?

A. how hard life is for Box Boys

B. getting along with Customers

C. why I Gave up My Job

D. the Art of Taking Tips

2. From the second paragraph, we can infer that___.

A. the writer didn’t like the impersonal part of his job

B . with a name plate,people can easily start talking

C . Mr Castle mistook Irving for Brett

D. Irving was the writer’s real name

3. The box boy refused to accept tips because__

A. customers only gave small tips

B. some customers had strange ideas about tipping

C. the store forbade the box boys to take tips

D. he didn’t want to fight with the customers

4. The underlined phras“put down”in the third paragraph probably means__

A. misunderstood

B. dEfeated

C. hateful

D. hurt

Today, we talk to an up-and-coming (有前途的) erhu player, Lee Hang, from Hong Kong. He’ll play with the Hong Kong Orchestra (管弦乐队) next Sunday in a special concert by young Chinese musicians.

Interviewer: Thank you for talking to us, Lee. You must be very excited.

Lee: Yes, I am. This is the first time that I’ve played with such a famous orchestra and in front of so many people. They’re expecting about 4,000 people.

Interviewer: Does that scare you?

Lee: To be honest, yes. I haven’t slept much in the last few days. But my teacher told me I wouldn’t take it seriously enough if I wasn’t scared. That helped a lot.

Interviewer: Tell me about why you started playing the erhu.

Lee: My parents took me to piano and violin lessons. I quite liked them but they had to force me to go sometimes. One night, I saw a documentary about Yo Yo Ma, the famous Chinese American cello(大提琴) player. He talked about his love of Chinese instruments and we should follow our interests. I always enjoyed listening to Chinese instruments like the erhu and guzheng. That inspired me to learn the erhu. My parents were glad that I was playing something I actually liked.

Interviewer: What do your friends think of you playing a Chinese instrument?

Lee: Well, a lot of my classmates think playing things like the erhu isn’t cool. I don’t care. It makes me happy. I got a letter from Yo Yo, saying how much he admired me and that he’d like to meet me next time when he’s in Hong Kong. They thought that was pretty cool!

Interviewer: And what does the future hold for you?

Lee: I’d like to study music in a university in China then hopefully play in orchestras. My ambition is to bring the beautiful sound of the erhu to all the corners of the world.

Interviewer: Well, if anyone can, it’s you. Thanks for talking to me, Lee. Good luck.

Lee: Thanks.

What will Lee Hang do next Sunday?

A. He will have an interview. 

B. He will talk to a newspaper reporter.

C. He will play a Chinese musical instrument at a concert.

D. He will study in a university in China.

Lee _______ because of the concert.

A. hasn’t been sleeping well    B. hasn’t been sleeping 

C. will meet 4000 people       D. has been afraid of his teacher

Lee started playing the erhu ________ a film about Yo Yo Ma.

A. before seeing   B. while seeing   C. after seeing    D. to copy

Lee likes playing the erhu _______ the piano and violin.

A. less than   B. as much as   C. more than    D. because his parents like

Lee’s friends thought _______ was great.

A. getting a letter from a famous musician     B. writing a letter to a famous musician

C. playing Chinese musical instruments       D. seeing Yo Yo Ma in Hong Kong