61.What is the main ider of the first paragraph?

　　A) Many young Americans will never be ableto pay on their debts.

　　B) Credit cards play an increasinglyimportant role in college lift.

　　C) Credit cards are doing more ? than studentloans.

　　D) The American credit card system isunder cnticism.

　　62.Why do young people have to pay a higherinterest on their credit card debt?

　　A) They tend to forget about the deadlines.

　　B) They haven’t developed a ? history.

　　C) They are often nabte to pay sack intime.

　　D)They are ? in managing money.

　　63.What is said to be the consequence ofyoung adults relying on credit cards to make ends meet?

　　A) I will place an unnecessd on society.

　　B) It will give their to work hard.

　　C) It will exert psy pressure on them.

　　D) It will affect their future spendingpower.

　　64 What will happen to young adults iftheir credit card debt keeps accurnufating a lucia dunn?

　　A.They will have to pay anincreasthgly higher interest tate.

　　B.They may experience a crisis intheir old age.

　　C.Their quality of lift will toaffected.

　　D.Their credit way be cancelled.

　　65 what does Lucia Dunn think might be diskfor the credit card issuing banks?

　　A.They go bankrupt as aover-lending

　　B.They lose la

　　C.Their client

　　D.Their interest ratcs have to bereduced now and then.

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

　　62. B) They haven't developed a credit history.

　　63. D) It will affect their future spending power.

　　64. B) They may experience a financial crisis in their old age.

　　65. C) Their clients leave their debts unpaid upon death.

　　【點評】

　　本文出自Time的Business & Money板塊，原文標題為Today’s Young Adults Will Never Pay Off TheirCredit Card Debts。可以說這篇閱讀一出，再一次印證了Time以及經濟類文章一直是四級出題老師的寵兒。

　　該篇的話題并不為考生所陌生，全文圍繞“現今的年輕人或許永遠無法償還清信用卡借款”展開，用一個個事實為大家陳述了這個猜測的理由。例如年輕人依賴信用卡，長此以往下去，即使到了他們賺錢能力最強的年紀，也會成為扯人口消費力后腿的人群。而且據Lucia Dunn教授稱，這些年輕人在老年將會面臨經濟危機。

　　從考題來看，除了61題為段落的主旨大意題外，其余都是常見的事實細節題。同學在做題時可以根據問題中的關鍵詞定位到原文的段落，如63題的relying on，64題的Lucia Dunn等都可以直接幫助考生快速找到答案所在的段落。另外，由于我們說經濟類文章幾乎年年出現在四級試卷中，考生不妨多多接觸此類題材，并積累相關的詞匯，為自己的閱讀得分做好充足的準備

　　Passage 8

　　A bookless life is an incomplete life. Books influence the depth and breadth of life. They meet thenatural 36 for freedom, for expression, for creativity and beauty of life. Learners, therefore, musthave books，and the right type of book, for the satisfaction of their need. Readers turn 37 tobooks because their curiosity concerning all manners of things* their eagerness to share in theexperiences of others and their need to 38 from their own limited environment lead them to findin books food for the mind and the spirit. Through their reading they find a deeper significance to lifeas books acquaint them with life in the world as it was and it is now. They are presented with a 39of human experiences and come to 40 other ways of thought and living. And while 41 their ownrelationships and responses to life，the readers often find that the 42 in their stories are goingthrough similar adjustments, which help to clarify and give significance to their own.

　　Books provide 43 material for readers’ imagination to grow. Imagination is a valuable quality and amotivating power, and stimulates achievement. While enriching their imagination, books 44 theiroutlook, develop a fact-finding attitude and train them to use leisure 45 ? The social and educationalsignificance of the readers, books cannot be overestimated in an academic library.

　　【講解答案】

　　36. F desire根據結構，空白處前的natural是形容詞,它修飾的應該是名詞，且空白處所填的名詞應 與前面的動詞meet(滿足)構成搭配。其后面是三個for短語作為這個名詞的解釋成份。F項 desire(愿望，渴望)符合要求,填人后意為“書籍滿足了人們與生俱來的對自由、對語言表達、對創 造力以及對生活之美的自然的渴望”,符合文意。

　　37. K naturally根據結構，空白處之前是turn,后面是to,已經構成了一個完整的動詞詞組“turn to”, 意思是“轉向，求助于,求教于”,空白處應該是副詞，修飾這個動詞詞組。根據后文文意，讀書人有 好奇心、愿意分享他人經歷、要逃離……，為此要去讀書。也就是說，對讀書人來說,要去讀書是自 然而然的事情。K項naturally填人空白后后意為“讀書的人自然要去讀書……”,符合要求。其他 副詞選項D項completely(完全地)、M項properly(適當地)均不合文意。

　　38. H escape根據結構，空白處前面是不定式符號to,可以看出空白處應為動詞，后面還有介詞from 構成搭配。選項中滿足這兩個要求的只有:E項derive(起源于)和H項escape(逃脫，避開)。根據 文意，H項escape符合要求，填入后意為“他們需要逃離有限的生活圈子”。

　　39. G diversity根據結構，空白處應該是名詞，構成a. ..of的結構。只有G項diversity填入后可構 成搭配，意為“多種多樣的……”。因此G項diversity正確答案。

　　40. N respect根據結構，空白處后面是名詞詞組other ways,前面的to就應該是不定式符號接動詞, 而不是介詞接名詞。動詞的選項有E項derive(起源于)、F項desire(渴望)、H項escape(逃脫，避 開)、J項narrow(使變狹窄)、N項respect(尊敬，敬重)，根據文意，讀書的人得到了讀書的益處，漸 漸開始尊重其他人的生活和思維方式。N項respect與題意一致，符合要求。

　　41. I establishing根據結構，空白處位于while之后，這半句中沒有主語，可見While從句中應該是省 略了主語，這種情況下謂語中包含的be也同時省略，空白處應該是謂語中留下的現在分詞，描述 句子主語readers的行為。現在分詞形式的選項有兩個：C項communicating和I項establishing。 根據空白處后relationship這個詞，填入I項establishing與之構成搭配，意為“建立聯系”，符合要 求*若填人C項communicating(溝通)，與文意不符。

　　42. B characters根據結構，空白處前為定冠詞the,因此空白處一定是名詞。該名詞出現在in their ?torie丨(故亊)前面，填入B項characters(故亊人物)與文意一致，符合要求，

　　43. A abundant根據結構，空白處前面是動詞provide，后面是名詞material，可以看出空白處應該是 形容詞修飾material。選項中可作形容詞的有A項abundant(豐富的)和J項narrow(狹窄的)。A 項abundant填入后意為“書籍為讀者提供了豐富的素材以讓他們展開想象的翅膀”，符合文意 要求。

　　44. 0 widen根據結構，空白處所在的句子中缺少動詞作謂語，因此此處應為一個動詞。根據文意， 書籍使讀者受益，所以應選擇積極意義的動詞，0項widen(擴展)填入后意為“書籍還拓展他們的 視野”，符合文意要求。

　　45. M properly根據結構，空白處前為動詞短語to use leisure，空白處應填入一個副詞修飾動詞詞 組。副詞選項有D項completely(十分，完全地)，K項naturally(自然地)，M項properly(合理地， 完全地)。M項properly填入后意為“教會他們合理地利用閑暇時間”，符合文意要求。