According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US＄4,100 in debt, on top of whatever student loans they may have taken out.
Credit cards are the most convenient form of payment, and they are aggressively marketed to college students. Reportedly, a typical college student carries 4.6 credit cards and US＄3,173 in credit card debt.
Credit cards seem to be a fact of life, not just student life. In the long term, using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example. Your credit score can affect even unrelated things like insurance rates. Credit cards also offer more protection for users than debit cards （借记卡）.Under federal law, the credit card holder is only responsible for the first US＄50 in fraudulent(欺诈的)purchases in cases of theft or loss. However, debit card users are responsible for the first US＄500.
SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information. Those who didn’t get any guidance were more likely to be surprised when they found out how much they owed.
While credit cards offer the easiest access to money, they make it easy to live outside your means. Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates.
SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail. But when the credit card offers flow in, be sure that you read the fine print. Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off. What does the first paragraph imply?
| A．Most of the senior students are shocked to see how much they owed. |
| B．Students can only take out loans from credit cards. |
| C．Most of students’ loans come from credit cards. |
| D．Credit cards have a bad effect on college students. |
The underlined part “come in handy” in the third paragraph probably means “_______”.
| A．bring trouble | B．make mistakes | C．be important | D．be useful |
According to SallieMae, what is the possible reason why students get so many credit card offers in the mail?
| A．Many students’ first credit card is based on direct mail. |
| B．It costs the banks little to mail out credit cards. |
| C．Students don’t like to go to the bank to open a credit card account. |
| D．Banks have no other way to let students use their credit cards. |
What is the theme of the third paragraph?
| A．The advantages of using debit cards. |
| B．The similarities between credit cards and debit cards. |
| C．The advantages of using credit cards. |
| D．Credit cards are the most convenient form of payment. |
Like any good mother, when Karen found out that another baby was on the way, she did what she could to help her 3-year-old son, Michael, prepare for a new sibling. They find out that the new baby is going to be a girl, and day after day, night after night, Michael sings to his sister in Mommy’s tummy.
The pregnancy (怀孕) progresses normally for Karen, an active member of the Panther Creek United Methodist Church in Morristown, Tennessee. Then the labor pains come. Every five minutes ... every minute. But Complications arise during delivery. Hours of labor. Would a C-section （剖腹产）be required? Finally, Michael’s little sister is born. But she is in serious condition. With siren （鸣笛）howling in the night, the ambulance rushes the infant to the neonatal intensive care unit at St. Mary’s Hospital in Knoxville, Tennessee.
The days inch by. The little girl gets worse. The pediatric specialist tells the parents, “There is very little hope. Be prepared for the worst.” Karen and her husband contact a local cemetery about a burial plot. They have fixed up a special room in their home for the new baby — now they plan a funeral. （葬礼）
Michael, keeps begging his parents to let him see his sister, “I want to sing to her,” he says, but kids are never allowed in Intensive Care. However, Karen makes up her mind. She will take Michael whether they like it or not.
If he doesn’t see his sister now, he may never see her alive. She dresses him in an oversized scrub suit and marches him into ICU. He looks like a walking laundry basket, but the head nurse recognizes him as a child and bellows, “Get that kid out of here now! No children are allowed.” The mother rises up strong in Karen, and the usually mild-mannered lady glares steel-eyed into the head nurse’s face, her lips a firm line. “He is not leaving until he sings to his sister!” Karen leads Michael to his sister’s bedside. He gazes at the tiny infant losing the battle to live. And he begins to sing. In the pure hearted voice of a 3-year-old, Michael sings:
“You are my sunshine, my only sunshine, you make me happy when skies are gray ... ”Instantly the baby girl responds. The pulse rate becomes calm and steady.
Keep on singing, Michael. “You never know, dear, how much I love you. Please don’t take my sunshine away...” The ragged, strained breathing becomes as smooth as a kitten’s purr.
Keep on singing, Michael. “The other night, dear, as I lay sleeping, I dreamed I held you in my arms...” Michael’s little sister relaxes as rest, healing rest, seems to sweep over her.
Keep on singing, Michael. Tears conquer the face of the bossy head nurse. Karen glows. “You are my sunshine, my only sunshine. Please don’t take my sunshine away.”
Funeral plans are scrapped. The next day — the very next day — the little girl is well enough to go home!
The medical staff just called it a miracle. Karen called it a miracle of God’s love!
Never give up on the people you love. Love is so incredibly powerful.Why was Michael’s sister in serious condition when she was born? Because _____.
| A．Karen worked actively in the church. |
| B．Karen was seriously ill during her pregnancy. |
| C．There was something wrong with the delivery. |
| D．The girl was born disabled. |
What does “sibling” in the first paragraph mean?
| A．stepmother | B．sister or brother |
| C．neighbor | D．friend |
What can we learn from the passage?
| A．Michael doesn’t love his younger sister because she will share his mother’s love. |
| B．After delivering the baby, Karen was seriously ill. |
| C．Seeing the younger sister in danger, Michael didn’t care and still sang happily. |
| D．The head nurse was at last moved by Michael’s song and his love for the sister. |
Why did Karen insist on Michael’s entering Intensive Care?
| A．Because Michael may never have chance to see his younger sister alive. |
| B．Because Karen was driven mad at that time. |
| C．Because Michael was also seriously ill. |
| D．Because Karen knew Michael would save his younger sister by his singing. |
Who saved the girl in the end?
| A．The pediatric specialist. |
| B．Karen and her husband. |
| C．The baby. |
| D．Her brother Michael. |
What does the writer want to convey in the passage?
| A．Where there is a will, there is a way. |
| B．Love can make miracles. |
| C．A friend in need is a friend indeed. |
| D．Parents are the best teachers in children’s development. |
Guide to Stockholm University Library
Our library offers different types of studying places and provides a good studying environment.
Zones
The library is divided into different zones. The upper floor is a quiet zone with over a thousand places for silent reading, and places where you can sit and work with your own computer. The reading places consist mostly of tables and chairs. The ground floor is the zone where you can talk. Here you can find sofas and armchairs for group work.
Computers
You can use your own computer to connect to the wi-fi specially prepared for notebook computers; you can also use library computers, which contain the most commonly used applications, such as Microsoft Office. They are situated(位于) in the area known as the Experimental Field on the ground floor.
Group-study places
If you want to discuss freely without disturbing others, you can book a study room or sit at a table on the ground floor. Some study rooms are for 2-3 people and others can hold up to 6-8 people. All rooms are marked on the library maps.
There are 40 group-study rooms that must be booked via the website. To book, you need an active University account and a valid University card. You can use a room three hours per day, nine hours at most per week.
Storage of Study Material
The library has lockers for students to store course literature. When you have got at least 40 credits(学分), you may rent a locker and pay 400 SEK for a year’s rental period.
Rules to be Followed
Mobile phone conversations are not permitted anywhere in the library. Keep your phone on silent as if you were in a lecture and exit the library if you need to receive calls.
Please note that food and fruit are forbidden in the library, but you are allowed to have drinks and sweets with you.The library’s upper floor is mainly for students to __________.
| A．read in a quiet place | B．have group discussions |
| C．take comfortable seats | D．get their computers fixed |
Library computers on the ground floor __________.
| A．help students with their field experiments |
| B．contain software necessary for schoolwork |
| C．are for those who want to access the wi-fi |
| D．are mostly used for filling out application forms |
What condition should be met to book a group-study room?
| A．A group must consist of 8 people |
| B．Three-hour use per day is the minimum |
| C．One should first register (注册) at the university |
| D．Applicants must mark the room on the map |
A student can rent a locker in the library if he __________.
| A．can afford the rental fee |
| B．attends certain courses |
| C．has nowhere to put his books |
| D．has earned the required credits |
What should NOT be brought into the library?
| A．Mobile phones | B．Orange juice |
| C．Candy | D．Sandwiches |
阅读下列短文，从每题所给的四个选项(A、B、C和D)中, 选出最佳选项。并在答题卡上将该选项涂黑．
A
William Butler Yeats, a most famous Irish writer, was born in Dublin on June 13,1865. His childhood lacked the harmony (和睦) that was typical of a happy family. Later, Yeats shocked his family by saying that he remembered “little of childhood but its pain”. In fact, he inherited (继承) excellent taste in art from his family ——both his father and his brother were painters. But he finally settled on literature , particularly drama (戏剧) and poetry.
Yeats had strong faith in coming of new artistic movements. He set himself the fresh task in founding an Irish national theatre in the late 1890s.His early theatrical experiments, however, were not received favorably at the beginning. He didn’t lose heart, and finally enjoyed success in his poetical drama.
Compared with his dramatic works, Yeats’ poems attract much admiring notice. The subject matter includes love, nature, history, time and aging. Though Yeats generally relied on very traditional forms, he brought modern sensibility to them. As his literary life progressed, his poetry grew finer and richer, which led him to worldwide recognition.
He had not enjoyed a major public life since winning the Nobel Prize in 1923. Yet, he continued writing almost to the end of his life. Had Yeats stopped writing at age 40, he would probably now be valued as a minor poet, for there is no other example in literary history of a poet who produces his greatest works between the ages of 50 and 75. After Yeats’ death in 1939, W.H. Auden wrote, among others, the following lines:
Earth, receive an honored guest:
William Yeats is laid to rest.
Let the Irish vessel (船) lieWhich of the following can describe Yeats’ family?
| A．It filled Yeast’s childhood with laughter. |
| B．It was shocked by Yeats’ choice. |
| C．It was a typically wealthy family. |
| D．It had an artistic atmosphere. |
According to the passage, what do we know about Yeats’ life?
| A．Yeats founded the first Irish theater. |
| B．Yeats stuck to modern forms in his poetry. |
| C．Yeats began to produce his best works from the 1910s. |
| D．Yeats was not favored by the public until the 1923 Noble Prize. |
What kind of feeling is expressed in W.H. Auden’s lines?
| A．Envy | B．Sympathy | C． Emptiness | D．Admiration |
What is the passage mainly about?
| A．Yeats’ literary achievements | B．Yeats’ historical influence |
| C．Yeats’ artistic ambition | D．Yeats’ national honor |
Lillian Hanson, a college student, expects to graduate in about two years. What makes Mrs Hanson different from her classmates is her age – 73 years. She has been studying at college, a few courses at a time, for 27 years.
When Lillian Hanson graduated from high school, she went to the bank to borrow money for further education. The banker gave her no encouragement. He didn’t think that a country girl should borrow money to go to college. He thought she should be at home doing work in the house or around the farm. So Lillian Hanson went home and raised a family of nine children instead of going to college.
Mrs Hanson never forgot her dream of getting a higher education. When her children grew up, she tried again.
She finds it is the hardest part of going back to school at her age to be sitting in class for long periods of time. Because she is not as quick as she used to be. Mrs Hanson often gets up and walks around between classes to keep from getting stiff(不灵活的). At the beginning of a course in using the computer, the other students all stood up to give her a warm welcome when she introduced herself and explained why she was there and what her aims were.Which of the following is the best title for the passage?
| A．An Unusual Student | B．A Kind – hearted Mother |
| C．A Cruel Banker | D．A Strange Woman |
What was the difference between Mrs Hanson and her classmates?
| A．She worked hard at her lessons |
| B．She was much older |
| C．She was a country girl |
| D．She was eager to graduate from college |
Why couldn’t Mrs Hanson go to college soon after she graduated from high school?
| A．Because she had got married |
| B．Because she wanted to teach herself |
| C．Because she was a country girl |
| D．Because she wasn’t rich enough |
In which order did Mrs Hanson do the following things?
a. She had her 73rd birthday
b. She finished high school
c. She began her studies at college
d. She went to the bank to borrow money
e. She got married and gave birth to nine children
| A．e,c,b,a,d | B．b,d,e,c,a | C．e,d,b,c,a | D．b,d,a,c,e |
Everybody should have some level of first aid ability, because accidents and medical emergencies can happen anywhere at any time. St John First Aid courses give you the knowledge and confidence to provide effective first aid whenever it’s needed.
First Aid Level 1
Ideal(理想的) for anyone who wants to learn basic first aid or needs to renew their first aid qualification(资格).Courses can be held at St John or your workplace.
Fee: $162(includes GST)
Duration(持续时间):Eight hours
First Aid Level 2
Includes all course content from First Aid Level One, plus an additional half day. Ideal for special first aiders, health and safety managers and anyone who needs a first aid qualification.
Fee: $235(includes GST)
Duration: 12 hours
Pre-Hospital Emergency Care (PHEC)
Advanced training for first aiders who already hold unit standards 6400 and 6402. Ideal for people who require advanced first aid skills or a pre-hospital emergency care (PHEC) qualification for their work.
Fee: $635(includes GST)
Duration: Three days
Child First Aid
Idea for parents, grandparents and other family caregivers. A recognized qualification for childcare workers.
Fee: $65(includes GST)
Duration: Four hours
Outdoor First Aid
First aid response for accidents and medical emergencies in the wilderness. For groups of eight or more.
Duration: One to two days depending on experience
Sports First Aid
First aid response for common sporting injuries and medical emergencies. Includes ACC injury prevention advice.
Duration: Eight hoursIf you want to learn basic first aid, you need to .
| A．know a little first aid |
| B．take the course at St John |
| C．have a first aid qualification |
| D．spend 8 hours on the course |
Pre-Hospital Emergency Care teaches people about .
| A．first aid in childcare |
| B．basic emergency care |
| C．advanced first aid skills |
| D．injury prevention methods |
If you are going to camp, which course should you choose beforehand?
| A．Child First Aid | B．Sports First Aid |
| C．First Aid Level 1 | D．Outdoor First Aid |
The main purpose of the text is to .
| A．introduce the courses of first aid |
| B．teach people knowledge of first aid |
| C．change people’s attitude towards first aid |
| D．let people renew their first aid qualification |