As
Once
Although
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第1题:
Text 3
During the past generation, the American middle-class family that once could count on hard work and fair play to keep itself financially secure has been transformed by economic risk and new realities. Now a pink slip, a bad diagnosis. or a disappearing spouse can reduce a family from solidly middle class to newly poor in a few months.
In just one generation, millions of mothers have gone to work, transforming basic family economics. Scholars, policymakers, and critics of all stripes have debated the social implications of these changes, but few have looked at the side effect family risk has risen as well. Today's families have budgeted to the limits of their new two-paycheck status. As a result they have lost the parachute they once had in times of financial setback- a back-up earner (usually Mom) who could go into the workforce if the primary earner got laid off or fell sick. This “added-worker effect” could support the safety net offered by unemployment insurance or disability insurance to help families weather bad times. But today, a disruption to family fortunes can not longer be made up with extra income from an otherwise-stay-at-home partner.
During the same period, families have been asked to absorb much more risk in their retirement income. Steelworkers, airline employees, and now those in the auto industry are joining millions of families who must worry about interest rates, stock market fluctuation, and the harsh reality that they may outlive their retirement money. For much of the past year. President Bush campaigned to move Social Security to a savings-account model, with retirees trading much or all of their guaranteed payments for payments depending on investment returns. For younger families, the picture is not any better. Both the absolute cost of healthcare and the share of it borne by families have risen-and newly fashionable health-savings plans are spreading from legislative halls to Wal-Mart workers, with much higher deductibles and a large new does of investment risk for families‘ future healthcare. Even demographics are working against the middle class family, as the odds of having a weak elderly parent- and all the attendant need for physical and financial assistance have jumped eightfold in just one generation.
From the middle-class family perspective, much of this, understandably, looks far less like an opportunity to exercise more financial responsibility, and a good deal more like a frightening acceleration of the wholesale shift of financial risk onto their already overburdened shoulders. The financial fallout has begun, and the political fallout may not be far behind.
[421 words]
31. Today's double-income families are at greater financial risk in that
[A] the safety net they used to enjoy has disappeared.
[B] their chances of being laid off have greatly increased.
[C] they are more vulnerable to changes in family economics.
[D] they are deprived of unemployment or disability insurance.
第2题:
What does the reporter want most from his editors in their talks?
A. Finding the news value of his stories.
B. Giving him financial support.
C. Helping him to find issues.
D. Improving his good ideas.
第3题:
此题为判断题(对,错)。
第4题:
A. receiving of wide metrics only
B. sending of narrow metrics only
C. receiving of narrow metrics only
D. sending and receiving of narrow and wide metrics
第5题:
听力原文:The primary objective of financial reporting is to provide information useful for making investment and lending decisions.
(6)
A.The financial reporting is to provide information for the investors and lenders only.
B.The main aim of financial reporting is to offer information useful for decision-making.
C.Investment and lending decisions can be made from the financial reporting.
D.Investment and lending decisions can not be made from the financial reporting.
第6题:
What does the author advise you to do to pay the high cost of college?
A. To ask the family for help
B. To make a study of financial courses.
C. To do research on the price of college
D. To get to know how to ask for financial aid
第7题:
Earning enough money to support his family is a high ________.
A priority
B superiority
C status
D stature
第8题:
A、independence
B、representatives
C、customers
D、cultures
第9题:
Museums receive some of their financial support in the _____ of admissions fees.
A: way
B: style
C: form
D: shape
第10题: