When we talk about Americans barely into adulthood who are saddled with uttbearable levels of debt, the conversation is almost always about student loan debt. But there's a growing body of evidence suggesting that today's young adults are also drowning in credit-card debt-and that many of them will take this debt to their graves.

　　More than 20% overspent their income by more than $100 every single month. Since they haven't built up their credit histories yet, it's a safe bet that theae young adults are paying relatively high interest rates on the resulting credit card debt.

　　Although many young people blame "Socializing" a~ a barrier to saving money, most of them aren't knocking back $ 20 drinks in trendy ( 時尚的) lounges. They're struggling with much more daily financial demands.

　　To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday. This obviously isn't sustainable in the long run, and it's going -to put a huge drag on, their spending power even after they reach their peak earning years, becattse they'll sttll be paying interest

　　on that bottle Of orange juice or box of spaghetti (意式面條) they bOUght a decade earlier.

　　A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups, and that they're slower at paying it off, "If what we found continues to hold true, we may have more elderly people with substantial financial problems in the future," warns Lucia Duma, professor of economics at Ohio State, "If our persist, we may be

　　faced with a financial crisis among elderly ,people who can't pay off their credit cards, "

　　Dunn says a lot of these young people are never going to get out from under their credit card debt."Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life, which could have loss implications for the credit card issuing banks. "

　　Wilt is the main idea of the first paragraph?

　　A.Many young Americans will never be able to pay off their debts.

　　B.Credit cards play an increasingly important role in college life.

　　C.Credit cards are doing more harm than student loans.

　　D.The American credit card system is under criticism.

　　2、根據下列材料，請回答題：

　　questions 56 to 60 are based on the following passage.

　　What makes a group intelligent? You might think a group's IQ would t esimply the aveiage intelligence of the group's members, or perhaps the intelligence of the team's smartest participant, But researchers who study groups have found that this isn't so.

　　Rather, a group's intelligence emerges the interactions that go on Within the group. A teams intelligence can be measured, and like an individual's IQ scere, it can accurately predict the team's performance on a Wide variety of tasks. And just as an individual's intelligence is expandable, a group's intelligence can alsobe increased. Here are five suggestions on how to guide the developttment of smart teams:

　　Chose team members carefully, The smartest groups are composed of people who are goo at reading one another's social cues, according to a study led by Carnegie Mellon University professor Anita Williams Woolley and published in the journal Science.

　　Talk about the “how”. Many members of teams don't like to spend time talking about “process”, preferring to get right down to work--but Woolley notes that groups who take the time to discuss how they Will Work together aice ultimately more efficient and effective.

　　share the floor: In the most intelligent teams, found Woolley, members take turns speaking Participants who dominate the discussion or who hang back and don't say much bring down, the

　　What do we learn about a group's IQ?

　　A.It equals the total intelligence of the group members.

　　B.It determines the interactions among the group members.

　　C.It can help measure an individual's IQ score in the group.

　　D.It can help predict the group's performance on various tasks.

　　3、 Passage Two

　　Questions are based on the following passage.

　　Real.time web search—-which scours only the latest updates to services like Twitter—is currently generating quite a buzz because it can provide a glimpse of what people around the world are thinking or doing at any given moment.Interest in this kind of search is so great that，according to recent leaks，Google is considering buying Twitter.

　　The latest research from the interact search giant，though，suggests that real—time results could be even more powerful—they may reveal the future as well as the present.

　　Google researchers Hyunyoung Choi and Hal Varian combined data from Google Trends on the popularity of different search terms with models used by economists to predict trends in areas such as travel and home sales.The result? Better forecasts in A.most every case.It works because searches reveal something about people’s intentions.Google has demonstrated before that search data can predict flu outbreaks，and last week World Bank economist Erik Feyen said he could cut errors in a model that forecasts lending to the private sector by 15% using Google search data.

　　But real-time results could have even more predictive power：knowing what people are actually doing，not just thinking，at a particular instant gives a strong hint of the future consequences.

　　Johan Bollen of Losalamos National Laboratory and alberto Pepe of the University of California，Los Angeles，applied a mood rating system to the text from over 10，000 Future Me emails sent in 2006 to gauge people’s hopes，fears and predictions for the future.They found that emails directed at 2007 to 2012 were significantly more depressed in tone than messages aimed at the subsequent six years.Could they have predicted the world’s current economic slump?

　　Without more data，that is no more than an intriguing possibility.So Bollen plans to look at more Future Me emails，as well as Twitter messages，to search for mood swings that foreshadow other economic changes.If he finds any such links.the sanle source might be used to try and predict future economic fluctuations.

　　So will our online footsteps become a central part of economic forecasting? We’ll have to wait and see——or perhaps do a quick web search.

　　注意：此部分試題請在答題卡2上作答。

　　What is real-time web search.1ike Twitter?

　　A.It tells us what people did in past days.

　　B.It generates quite a buzz in recent days.

　　C.It provides latest news about everything.

　　D.It informs what people do in the future.

　　4、Questions are based oB thefollowingpassage.

　　The unemployment rate continues to improve.It was 10%in the fall of 2009.It was 7.5%at this time last year.It has been fluctuatin9 6.3%and 6.7%for the last couple months.

　　But before we celebrate.we need to examine the numbers behind the numbers.These can mask deeper problems.

　　Youth unemployment.is one such problem.Young people face higher hurdles to and in the job market.

　　They have fewer skills.1ess work experience and smaller networks.

　　The consequences are devastating and the facts bear this out.

　　Those with more education do beaer but no group is held harmless.Unemployment rates for recent college graduates increased from 3.1%in 2008 to 8%in 2010.High youth unemployment rates predate the recession.In 2000.the general unemployment rate was approximately 4%.For 15 to 24 year olds it was over9%.

　　High youth unemployment is not confined to the United States.For the 33“developed”countries in the Organization for Economic Co-operation and Development(OECD)，combined 2013 youth unemployment was 16%.But more importantly,individuals，society and the economy suffer from a generation hamstrung by pool little or no work experience.

　　Solutions are complicated because we are part of a global economy and recession，we are shifting to a knowledge-based economy,and unemployment is tied to complex social problems.

　　But solutions do exist.

　　Create a“youth guarantee”similar to the one adopted by leaders of the European Union.It states that“all young people under the age of 25 years receive a good-quality offer of employment，continued education，an apprenticeship or a traineeship within four months of becoming unemfDloyed or leaving

　　formal education.”This has had success in some countries.

　　Require that middle and high school programs greatly strengthen their workplace ties through vocational education，apprenticeships，internships，and teaching ofjob skills.

　　As the economic recovery continues，we must ensure that we understand the numbers behind the numbers.This means not only paying close attention to the needs of our youn workers but also responding with significant and decisive action.

　　The United States has a population of over 300 million.of these.120 million are under the age of 30.Their future is Our future.

　　注意：此部分試題請在答題卡2上作答。

　　What Can we infer from the lines of paragraph two?

　　A.The reA.problem of youth unemployment is still severe.

　　B.We can not only concentrate on the surface of numbers.

　　C.The unemployment rate continues to be improveD.

　　D.We should not celebrate for the lower unemployment rate.

　　簡答題

　　5、老齡化對國家財政的影響眾所周知——節節高攀的醫療保險和養老金(pension)支出。然而，老齡化的影響遠不止于此。在老齡化社會里，勞動力市場、儲蓄方式以及人口流動都會發生變化。最令人擔憂的是，勞動力短缺，勞動力市場不穩定，生產力下降等問題都會對發展造成嚴熏威脅。由二于二中囝平均收人水平仍然停留在低收入階段，這使得中國人口老齡化問題尤其復雜。

　　6、北京是世界歷史文化名城和中國“四大古都”之一(four aRCi entcapital s)。1949年10月1日，毛澤東主席在北京天安門城樓上宣布中華人民共和國的成立。從此，北京成為了新中國的首都。北京是中國的政治、文化和國際交往的中心。北京的名勝古跡多得三天三夜也數不完，不下幾千處。在北京也能吃到各式各樣的北京小吃，品種多樣，價錢也不責。每逢節假日，大批國內外游客來到北京參觀游覽。

　　7、“今天你網購了嗎?”很可能會成為一句問候語。還沒人問你?那你可能落伍了。網絡購物，這個在幾年以前還是一個比較新鮮時髦的東西，如今，隨著互聯網的普及，這種消費模式正迅速地在網民中盛行。網絡購物在大學校園已經成為一種普遍現象。大學生成為了網購的主要群體之一。網絡購物給人們的生活提供了便捷，但也極大地沖擊了實體零售店。不少實體店主也準備在實體店(br i ck-and-mortar shop)基礎上再開個網店。

　　8、長江發源于“世界屋脊”——青藏高原的唐古拉山脈(Tanggula Mountai rls or DangI a Mountain Range)。全長6300余千米，比黃河長800余千米，長度僅次于非洲的尼羅河和南美洲的亞馬孫河，居世界第三位。長江自然風光優美，歷史積淀深厚，也是中國主要的旅游景點，在那里，你可以欣賞到壯麗的三峽和宏偉的三峽大壩。約占全國面積五分之一的長江流域養育了全國三分之一的人口。長江的開發與保護是影響全國社會經濟發展的大事。

　　9、中國被譽為陶瓷之國，景德鎮被稱為陶瓷之都(the City of ceramics)。瓷器最早出現于商代中晚期。距今已有八千多年的悠久歷史。隨著時代的發展，瓷器的用途越來越多，既可以用來盛放東西，也可以作裝飾之用。多姿多彩的瓷器是中國古代的偉大發明之一。 “瓷器”與“中國”在英文中同為一詞。充分說明中國瓷器的精美絕倫完全可以作為中國的代表。

　　10、隨著人口老齡化增長趨勢的日益顯現，空巢老人中存在的問題也逐漸突出，關愛空巢老人越來越成為人們關注的話題?？粘怖先耸侵改切┖⒆硬辉谏磉?、獨自居住的老年人。他們缺少家人關愛，生活寂寞。因為孩子們長時間不回家，家庭如同空巢一般。這些老人們很容易產生不良情緒。作為子女，即使遠在異地，也應經常通過電話與父母進行感情和思想的交流。