Starting a bank a child’s play? Absolutely, if you ask some enterprising youngsters in India, who have not only managed to establish one, but also, unlike many of the large International banks, run it successfully since 2001. What’s even more impressive is that the young bankers and their 90,004---clients(委托人) are all homeless!
The Children’s Development Khazana (treasure) opened its first branch in 2001 at a homeless shelter in New Deli as a way to help the street children protect their hard-earned money from thieves. Since then, the idea has caught on like wildfire.
Today, Khazana has 12 branches all across New Deli, with a total of Rupees 12lakh (about 22,000USD) in deposits. Not only that, there are now 77 branches in other parts of Asia, ranging from Nepal, Bangladesh and Afghanistan to the island of Sri Lanka, and even Kyrgyzstan in Central Asia. While no deposit or balance is too small for the bank, they do have strict regulations about where the money is earned from. Funds obtained by begging or selling drugs are not welcomed at this bank !
Also, unlike the real banks, all employees are volunteers , which means that they go to school or a paying job during the day and work at the bank in the evening. To ensure that everybody gets a chance to participate in running the branch, two volunteer managers are elected from the clients base every six months.
Karan, the current manager is just 14-year-old. During the day he earns a living by helping out the cleaning workmates at wedding banquets and other big parties. In the evening, he handles the deposits（存款）and withdrawals（取款）in the bank. After the bank closes, he along with an adult volunteer from the shelter head over to a regular bank and deposit the funds collected into Khazana’s interest-bearing bank account and though it started with one single purpose. The Children’s Development Khazana is today a well-developed bank, one kids can not only deposit money which earns them 5% interest, but also, request loans for family emergencies, to start a business or even to pay for school.The initial aim of starting the Children’s Development Khazana is to______.
| A．provide for jobs for homeless children |
| B．help homeless families with emergencies |
| C．sponsor homeless children to go to school |
| D．safeguard homeless children’s hard-earned money |
The children’s Development Khazana is different from regular banks in that_______.
| A．all its workers are street children |
| B．it pays its customers no interest |
| C．customers can be made its managers |
| D．it opens in the evening six month a year |
According to the passage, the Children’s Development Khazana________.
| A．welcomes all money, however small it is |
| B．offers more and better service than before |
| C．is run by a 14-year-old boy, Karan alone |
| D．has more than 70 branches across India |
Part I
If you are hunting a chance to improve yourself in English, TOP ENGLISH CITY will be a smart choice. We are members of "the International Language Workshop" and enjoy both of the good honor in English teaching and high quality of our teaching team. We are devoted to providing affordable, excellent English training programs for those who want to improve both their English knowledge and their language skills.
In TOP ENGLISH CITY, you will be a top English-speaker among your competitors and enjoy the advantage that your competitors have not. You will be proud of being a member of TOP ENGLISH CITY.
Courses designed:
Basic Studies… Sat. 8:00-10:00 a. m.
Intermediate（中级）Spoken English… Sun. 8:00-10:00 a. m.
Standard Spoken English… Sat. 8:00-10:00 a.m.
Basic Business English… Sun.8:00-10:00 a.m.
Intermediate Business English… Sun. 7:00-9:00 p.m.
TOEFL Super Studies… Sun. 7:30-9:30 p.m.
Children's Weekend… Sat. &. Sun. 8:00 a.m. -5:00 p.m.
For more information, please contact:
Room 806 American Plaza Tianhexi Rd, 510150 Guangzhou
Tel: 86668888-8806
Part II
ENGLISH SALON
A place for you to practise your English, to exchange your English learning experiences, to know more about the culture of English-speaking countries, to make more friends who can speak very good English.
You will have free talks, famous English films and songs appreciation, English lectures and games; all are for you to improve yourself in English in the special, full-of-fun Salon.
How to Join:
We are a group with membership system, so if you want to join our group, please make an application to the Tianhe Office of Top English City, filling in the applying forms. You will be given a salon ID card, and becomes our member.
The Qualifications（条件）:
You must be fluent in English-speaking or / and an English lover. Those who are now learning English in the Top English City will be advantageous.
For more information, please contact:
Mr Jiu Chan at: 47129198
English Salon, your best friend! Join Right Now!Which of the following can be the best title for Part I?
| A．Top English, your smart choice! | B．If you want to learn English, we can teach you! |
| C．Top English, the best English! | D．We have what you want! |
If you work in a joint Venture(合资) Company, you probably take thecourse.
| A．Standard Spoken English | B．Intermediate Business English |
| C．TOEFL Super Studies | D．Children's Weekend |
Which of the following courses can be learned by the same person?
| A．Basic Studies and Standard Spoken English. |
| B．Intermediate Spoken English and Basic Business English. |
| C．Standard Spoken English and TOEFL Super Studies. |
| D．Intermediate Business English and TOEFL Super Studies. |
If you want to join the English Salon, you should at least .
| A．be a university graduate |
| B．be a student learning English in the Top English City |
| C．be an English lover or can speak English well |
| D．make more friends and know more about the culture of the English |
Brian Walker chews pens. He bites them so hard that his boss has warned him to stop or buy his own. Kate’s weakness is more acceptable-she is unable to walk past a cake shop without overeating Sophin Cartier finds her cigarette habit a headache, while Alice’s thumb-sucking drives her boy friend crazy. Four people with very different habits, but they all share a common problem anxiety disorder or, in serious cases. Obsessive Compulsive Disorder (OCD).
From nail-biting to too much hand-washing, overeating and internet addiction（上瘾）,OCD is widespread in almost every workplace and countless home. “It is a relatively common form of anxiety,” says Dr. Mootee. “The main feature of OCD is the repetition of unwanted obsessive（过度的） thoughts such as worries that doors are left unlocked , gas or electrical appliances are left on.” In order to fight against the an esasy checking door locks and gas or electrical appliances.
Dr. Mootee says that repetitive washing, particularly of the hands, is the most common type of OCD. She has treated many patients who wash their hands up to 30 times a day. The technique Mootee uses to treat people with OCD is called cognitive-behavioral therapy（认知行为疗法）.“It is based on the general idea that people have the ability to change the way they think and behave,” says Mootee.
But when does a habit become a problem? “It’s personal,” says Mootee.“Everyone has something unusual, but if you can’t put up with it, then it’s a problem and you need to do something to change it.”Mootee says many people resist for treatment because they fear they are “crazy”. But as people become more knowledgeable about these problems they will go and get help. The only way to cure is to conquer If a person suffers from OCD, be is likely to keep doing any of the following EXCEPT .
| A．chewing pens | B．hurting himself |
| C．sucking fingers | D．biting nails |
According to the passage, a person suffering from OCD .
| A．reduces his/her anxiety by taking drugs |
| B．gets into unwanted habits to relieve stress |
| C．has unwanted thoughts about habits |
| D．has unwanted thoughts because of illness |
Dr. Mootee’s treating lechnique is based ont eh idea that .
| A．everyone has something different |
| B．people can put up with their problems |
| C．people can change their way of thinking and action |
| D．people tend to repeat their obsessive actions |
By saying “The only way to cure is to conquer.” Dr. Mootee suggests that an OCD sufferer .
| A．has to be an extraordinary person |
| B．must cure his illness by himself |
| C．must overcome many physical illnesses |
| D．should have a right attitude towards the problem |
A woman whose sports car was stolen with her dog in it put up notices all over the area that made it clear getting back her pet was more important than her car．
“Whoever did this can keep my car．Please let Benjerman come home,” the notice said．
It is not known whether the thief showed any pity, but almost 30 hours after the 1 pm theft Friday, Kimberly Atkins of Dover and Benjerman，a 12-year-old black retriever（猎犬），were reunited after police located them in Barrington．
“He’s hungry, he’s dirty, but he’s very happy to be home，”Atkins said．
The car was found at about 5 pm Saturday off Route 125 in a swampy area frequented by off-the-road cars and dirt bikes．However, the police couldn’t control Benjerman，and they had to call Atkins to come and get him．
Atkins said the thief cared for Benjerman a little by providing him with some dry cat food．She believed Benjerman ended up drinking some muddy water in the area．
She said they have been together for nearly 11 years after she took him back from a society shelter in Dallas, Texas．
Before Benjerman was found，Atkins and several friends put up notices all over the city and in Somersworth．They also contacted animal shelters，throughout southern New Hampshire and Massachusetts.
The notice stated there was a reward，and also that the dog needed medication．Any caller could remain anonymous（匿名的）．
Atkins had parked the car outside a hardware store with the keys inside and gone in to rent a carpet cleaner.
¨It was l0 minutes and I came out and my car was gone along with Benjerman in broad daylight，” Atkins said．The car thief threw Atkins’ wallet and other personal items out of the car before escaping from the scene．What would be the best title for the passage?
| A．A car with a dog was stolen |
| B．Lucky dog was returned to his owner |
| C．Stealing cars：a most important social problem |
| D．Woman wants dog back more than stolen car |
Which of the following shows the correct order of what happened?
a．Notices were put up saying there was a reward．
b．Atkins saw Benjerman again．
c．Police found Atkins’car．
d．Atkins took Benjerman back from a society shelter．
e．Atkins hired a carpet cleaner in a hardware store．
| A．d,e,a, b,c | B．d,e,a,c,b | C．e,a,d,b,c | D．e,a,c,d,b |
We can infer from the passage ．
| A．the dog was treated extremely badly by the thief |
| B．car stolen accidents happen frequently nowadays |
| C．the dog was found because of the reward |
| D．the thief stole the car easily |
Which of the following is TRUE according to the passage?
| A．Benjerman was sent back immediately after Atkins put up the notices． |
| B．Atkins and her friends made a great effort to look for Benierman． |
| C．The thief gave the dog back but kept the sports car． |
| D．The dog was back at 1 pm on a Friday． |
Childhood is a happy time, right? Not necessarily. Consider these facts.
Depression(抑郁症) may occur in as many as 1 in 33 children.
Once a child has an episode(一段情节) of depression, he or she has a 50 percent chance of experiencing another episode in the next 5 years.
Suicide(自杀) is the 6th leading cause of death for 5–to–15-year-olds.
If your child experiences 5 or more of these signs or symptoms(症状) for at least 2 weeks, he or she may be experiencing depression or another mental illness.
| Feeling——Does your child demonstrate: Sadness Emptiness Hopelessness Guilt Worthlessness Lack of enjoyment in everyday pleasures |
Thinking ——Is your child having trouble: Concentrating Making decisions Completing schoolwork Maintaining grades Maintaining friendships |
| Physical problems—Does your child complain of : Headaches Stomachaches Lack of energy Sleeping problems ( too much or too little) Weight or appetite changes ( gain or loss) |
Suicide risk--Does your child talk or think about: Suicide Death Other morbid （生病的）subjects |
| Behavior problems ——Is your child: Irritable Not wanting to go to school Wanting to be alone most of the time Having difficulty getting along with others Cutting classes or skipping school Dropping out of sports, hobbies or other activities Drinking alcohol or using drugs. |
Sometimes, a child who causes problems at school or at home may actually be depressed, according to the American Academy of Child and Adolescent Psychiatry. If you think your child may be depressed, it’s important to have your child treated. Discuss your child’s problems with his or her doctor. The doctor may suggest a referral to a children’s psychologist(心理医生)or psychiatrist（精神病医生）.
Treatment may include individual and family therapy(治疗), along with an antidepressant medication (抗抑郁药)This article is particularly written for ____.
| A．parents | B．teachers | C．children | D．psychologists |
Which statement describes a child who may have physical problems?
| A．The child is always in high mood. |
| B．The child always feels tired but sleeps only four hours a day. |
| C．The child hates to study. |
| D．The child can not concentrate on one thing for a long period. |
When your child always talks about death or other morbid subjects, he or she___
| A．may has trouble in thinking | B．may have suicide risk |
| C．may have behavior problems | D．may have physical problems |
What should we do when we find our kids experiencing depression?
| A．Ask for leave to accompany them at home. |
| B．Ask them to take antidepressant immediately. |
| C．Go to see the doctor. |
| D．Ask them to have a good rest. |
For a clearer picture of what the student knows, most teachers use another kind of examination in addition to objective tests. They use “essay” tests, which require students to write long answers to broad, general questions such as the following: “Mention several ways in which Benjamin Franklin has influenced thinking of people in his own country and in other parts of the world.”
One advantage of the essay test is that it reduces the element of luck. The student cannot get a high score just by making a lucky guess. Another advantage is that it shows the examiner more cares about the student’s ability to put facts together into a meaningful whole. It should show how deeply he has thought about the subject. Sometimes, though, essay tests have disadvantages, too. Some students are able to write rather good answers without really knowing much about the subject, while other students who actually know the material have trouble expressing their ideas in the essay form.
Besides, in an essay test the student’s score may depend upon the examiner’s feelings at the time of reading the answer. If he is feeling tired or bored, the student may receive a lower score than he should. Another examiner reading the same answer might give it a much higher mark. Because of this, the objective test gives each student a fairer chance, and of course it is easier and quicker to score.
Whether an objective test or an essay test is used, problems arise. When some objective questions are used along with some essay questions, however, a fairly clear picture of the student’s knowledge can usually be gotten.What may have been discussed in the previous paragraphs?
| A．The essay test. | B．How teachers test their students. |
| C．How students write their essays. | D．The objective test. |
The essay test is preferred because ______.
| A．it shows more about the student’s understanding of the subject |
| B．it tests the student’s knowledge of the material as well as his expression of ideas |
| C．it gives each student a fairer chance |
| D．its scoring may be influenced by the examiner’s feelings |
The underlined word “this” refers to the fact that ______.
| A．students may receive a lower score in an essay test |
| B．another examiner usually gives the answer a higher mark |
| C．different examiners may give the same essay different scores |
| D．the objective test gives each student a fairer chance |
According to the passage, which of the following statements about the objective test is NOT true?
| A．It is more objective than the essay test in terms of scoring. |
| B．It allows the student to guess the correct answer without really knowing the material. |
| C．It shows the student’s ability to think about difficult problems. |
| D．It is easy and quick to score. |