新视野大学英语三级模拟试题及答案Word格式文档下载.docx

新视野大学英语三级模拟试题及答案Word格式文档下载.docx

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PartIReadingComprehension（SkimmingandScanning）

Directions:

Inthissection,youwillhave15minutestogooverthepassagequickly.

Forquestions1–7,markY（forYES）ifthestatementagreeswiththeinformationgiveninthepassage;

N（forNO）ifthestatementcontradictstheinformationgiveninthepassage;

NG（forNOTGIVEN）iftheinformationisnotgiveninthepassage.Forquestions8–10,completethesentenceswiththeinformationgiveninthepassage.

YouthofToday

—Nosavings,nopension,hugedebts—

Leavingschooloruniversitymeansfinancialindependence—butdoesitalsomeandebtSomeexpertssaytheyoungshouldtakesomecare.

Itislife,butnotasweknowit.Asthisyear’sschoolleaversandgraduatesinBritainmoveontofurthereducationorwork,tastingfinancialindependenceforthefirsttime,theyshowsignsofbeingentirelydifferenttopreviousgenerationsintheirattitudestomoney,accordingtoinformationcollectedbyCash.Usedtodebtbutmoreaffluentthanpreviousgenerations,thecurrentcropof16-to24-year-oldsisacomplexsectorofsociety.Butiftheycanhandletheirdebts,thesemillionyoungadultshavethepotentialtobecomequitesophisticatedonmoneymatters.

Cashlookedforthefinancialhallmarksofthisgroup.

Theyaregoingtobebigspendersandwillbetargetedheavilybyretailers.“Themarketforproductsandservicesaimedatthisgrouphascontinuedtothrive,”concludesresearchorganizationMintelinitsrecentreportforretailers“SellingtoandProfitingfromtheUnder25s”.Thisis“partlybecausetheperiodduringwhichpeopleareyoung,freeandsingle,unencumbered（不受妨碍的）byparentsand/orchildrenhasexpandedtothelatetwentiesandearlythirties,”itsays.

While13percentofthepopulationregularlypaystheirutility（公共设施）,creditcardandotherbillslate,thisproportionrisestoaremarkable64percentfor18-to24-year-olds,accordingtoresearchconductedamong1,000adultsby.Intheory,thissuggeststhatmorethan4millionofthemareheadingforsuchpoorcreditratingsthattheywillfinditdifficulttoborrowinthefuture.Butlendersmaybecomemoreflexibleintheirlendingtermsratherthanloseoutonthishugesectoroftheconsumermarket.

Nearlyoneinthree（28percent）ofpeopleunder35“donotconsidertheirfuturefinancialposition”,accordingtoresearchfromAccentureHRServices.

Althoughhalfof18-to25-year-oldswanttoowntheirhomesomeday,theyseealmostinsurmountablehurdles,accordingtoMintel:

“Forthosewhohadnotyetboughttheirownproperty,theprospectoftryingtodososeemeddaunting—ifnotimpossible—financially.”Orcoulditbethattheirfutureprosperitywilldependonwhethertheyinheritpropertyfromtheirparents

Theyregardasnecessitiesmanyitemswhichwereseenasluxuriesbytheirparentsatthesameage.Morethannineoutof10havetheirownmobilephone.“Somelookedontheirphoneasakindofsecurityblanket,feelinglostwithoutit,”saysMintel.Acarisseenas“vital”by64percentof18-to25-year-olds,anddesignerclothesarewornby44percentofmenand35percentofwomeninthisagegroup,addsMintel.Computerequipmentisahighpriorityformanytwenty-year-olds.Audio-visualequipmentisparticularlyvaluedbyyoungmen.

Creditcardownershipisincreasing.Nearlytwothirdsofyoungadultshaveacard.Morethanhalf（58percent）oftheunder-25sdonotpayofftheircreditcardbillinfulleachmonth,accordingtoMintel—including16percentwhoowemorethan￡500.Withcreditcardownershippredictedtoincreasenearly20percentby2009,theyoungeragegroupcouldbeincreasinglytargeted,astheyaremoreaccustomedtoborrowingthanoldergroups.

Debtiscommonplaceinthisagegroup.Barclayspredictsthatgraduatedebtwillaverage￡17,500in2006,risingtonearly￡34,000by2010.

Athirdofthisgroupbelievetheyare“tooyoung”tostartthinkingaboutapension,accordingtoAccenture.“Thereisaseachangeinbehaviorgoingonhere,”saysMervynKohlerofHelptheAged.“Forrecentgraduateswhoaresaddledwithdebtandstrugglingtobuyahome,thelastthingtheywouldcareaboutispensionplanning.Theyhavealsoheardthemessagethattheywillhavetoworkuntiltheydrop,sotheywonderwhytheyshouldbotherwithapension.Butwhentheyretire,theywillexpectthestatetobailthemout.”

Thereisevidencetobackuptheirinstincts.Morethan73percentofthecurrentcropofforty–year–oldsareoncoursetobeonPensionCreditandothermeans—testedbenefitswhentheyretire,accordingtotheInstituteofFiscalStudies.Unlesschangesaremadetothesystem,thisproportionwillincrease.

Despitethesedisturbingfindings,thereislightattheendofthetunnelfortheyoung.HelenBowman,welfareofficeratDeMontfor