Because of the financial crisis in the US and UK, college students are beginning to struggle to find ways to pay their tuition fees and accommodations.

Recently, two major US student loan lenders — Citibank and JPMorgan Chase — announced they were leaving the student loan industry altogether. Because banks currently have a lack of credit, they are reluctant to offer students low-interest loans that need a several-year wait for any return of interest.

In the US, many undergraduates top up their financial needs with a private loan, although the majority can get government-funded loans. In the 2005??-2006 academic year, $17 billion in private student loans was used to finance higher education. The shortfall in private funding has yet to be covered and will hit many US students hard.

Across the Atlantic, UK students have been less troubled by the crisis. Most undergraduates in the UK cover their university expenses with government-funded loans and grants (助學(xué)金). Their biggest concern is a sudden steep increase in student rent.

Most young professionals now rent houses, since 80 percent of UK mortgage schemes (住房抵押貸款計(jì)劃) have disappeared — a direct result of the credit crisis. This has boosted the house rent market.

In large cities, UK students are paying almost 6.5 percent more in rent than the previous year. Figures from the UK organization Accommodation for Student show students in big cities such as London paying an average weekly rent of ￡103. Yet, despite students’ suffering, the number of this year’s university applications is expected to grow. During economic slumps (經(jīng)濟(jì)蕭條時(shí)期), people regard further education as a way to survive tough job markets.

According to the passage, banks are unwilling to offer students loans because ________.

A．the students are poor and sometimes they can’t pay off the debt

B．banks prefer lending the money to the young professionals

C．banks don’t have enough money left at the present time

D．they think college students are not studying hard

The underlined phrase “top up” in Paragraph 3 probably means ________.

A．put up     B．make up     C．fill up    D．pick up

Which of the following is NOT true according to the passage?

A．UK college students have to pay more if they want to rent houses.

B．More UK students want to further their study in college.

C．It is not so easy for US students to loan money now.

D．College students’ tuition fees have risen greatly.

It can be inferred that ________.

A．there are no private student loan lenders in the UK

B．loans for US college students will be increased next year

C．private funding falls a little because of higher-interest loans in the US

D．private loans play a very important role in financing US students’ education

If you don’t have a college degree, you’re at greater risk of developing memory problems or even Alzheimer’s (老年癡呆). Education plays a key role in lifelong memory performance and risk for mental disorder, and it's well documented that those with a college degree possess a cognitive（認(rèn)知的） advantage over those less educated in middle and old age.

       Now, a large national study from Brandeis University published in the American Journal of Geriatric Psychiatry shows that those with less schooling can significantly make up for poorer education by frequently engaging in mental exercises such as word games, puzzles, reading, and lectures.

       “The lifelong benefits of higher education for memory in later life are quite impressive, but we do not clearly understand how and why these effects last so long,” said lead author Margie Lachman, a psychologist. She suggested that higher education may encourage lifelong interest in cognitive efforts, while those with less education may not engage as frequently in mental exercises that help keep the memory agile (敏捷地).

       But education early in adulthood does not appear to be the only route to maintain your memory. The study found that intellectual activities undertaken regularly made a difference. “Among individuals with low education, those who are engaged in reading, writing, attending lectures, doing word games or puzzles once a week or more had memory scores similar to people with more education,” said Lachman.

       The study, called Midlife in the United States, assessed 3,343 men and women between the ages of 32 and 84 with an average age of 56 years. Almost 40 percent of the participants had at least a 4-year college degree. The researchers evaluated how the participants performed in two cognitive areas, verbal (言語(yǔ)的)memory and executive function --- brain processes involved in planning, abstract thinking and cognitive flexibility. Participants were given a series of tests, including tests of verbal fluency, word recall, and backward counting.

       As expected, those with higher education said they engaged in cognitive activities more often and also did better on the memory tests, but some with lower education also did well, explained Lachman.

       “The findings are promising because they suggest there may be ways to level the playing field for those with lower educational achievement, and protect those at greatest risk for memory declines,” said Lachman. “Although we can not rule out the possibility that those who have better memories are the ones who take on more activities, the evidence is consistent with cognitive plasticity (可塑性), and suggests some degree of personal control over cognitive functioning in adulthood by adopting an intellectually active lifestyle.”

What is the text mainly about?

       A. Higher education has a better cognitive advantage.

       B. Better memories result from college degree.

       C. Cognitive activity does good to one’s mind.

       D. Poor education has more risk of memory declines.

According to the result of Margie Lachman’s study, we can conclude that ________.

 A. education is responsible for the lifelong memory performance and risk for mental disorder

 B. education early in adulthood can be the only route to maintain your memory

 C. those with higher education did better on the memory tests than those with lower education

 D. an intellectually active lifestyle does help to maintain your memory

What do we know about the study called Midlife?

     A. Participants each were given a battery to test their memory.

     B. The average age of the participants are 56 years old.

     C. Participants had to perform in one of the two cognitive areas.

     D. One in four of the participants had a 4-year college degree.

Why are the findings of the Lachman’s study promising?

     A. The lower educated may have the same opportunities to keep up memory.

     B. We may have ways to cure the people who have memory declines.

     C. Adopting a different lifestyle can control cognitive functioning.

     D. We can find out the possibility to have better memories.

    A recent announcement by scientists that they have successfully cloned the first human embryo has caused much debate and has shocked many people around the world. On the one hand，some scientists point out that if you clone an embryo，you can produce valuable tissues(組織）and organs that could be used to save human lives. On the other hand，many people，including some scientists, disagree and fear that if mankind interferes with（干涉）nature in this way，they may be on their way to producing a real-life Frankenstein’s monster.

    Cloning is producing an exact copy of a plant or an animal using its cells. The first mammal to be cloned successfully from an adult cell was Dolly the sheep. She was born in 1996 and died in early 2003，at a much younger age than normal. When she was born，many people were angry because they thought cloning would create more disease in the animal world. However，in general the scientists were praised for their wonderful scientific breakthrough.

    The Scottish scientist who created Dolly，Ian Wilmut，is shocked that some scientists are now considering cloning human beings. Although he researches cloning，his intention has never been to create copies of humans. Instead，he thinks research efforts should concentrate on creating new tissues and organs that could eventually be used to cure diseases like cancer. However，some people consider that cloning human embryos with the intention of destroying them shows no respect for human life.

    While cloning human embryos is illegal in many countries，some scientists are already pushing ahead with research so as to deliver a cloned human baby. Severino Antinori，an Italian doctor，is one of the leaders in this kind of research. He has declared that he wants to be the first to clone a human being.

    In China，scientists have focused their efforts on cloning animals，as well as stern cells to be used in medical research. China has succeeded in producing clones of cows and goats，and continues to research ways in which cloning can benefit mankind.

51. Which of the following statements about cloning is TRUE according to the passage?

A. Cloning technology can only be applied to animals.

B. A cloned animal can live longer than a normal one.

C. People all over the world are happy about the birth of Dolly.

D. Cloning can produce valuable tissues and organs to cure human diseases.

52. The reasons why people are anti-cloning include the following EXCEPT that_______.

A. cloning may produce a real-life Frankenstein’s monster

B. cloning might create more disease in the animal world

C. cloning can’t help those who want to clone their dead children

D. cloning human embryos shows no respect for human life

53. Who is in favor of cloning human beings?

A. Ian Wilmut.        B. Severino Antinori.

C. The author.        D. The Chinese scientists.

54. What can be inferred from the last two paragraphs?

A. If we interfere with nature, we will change the world to be what we want.

B. It is impossible to clone babies for women who cannot have ones.

C. Cloning human beings is illegal in many countries，so no scientists want to do so.

D. Whether cloning human embryos is legal or not remains a matter of debate.

A few weeks ago, I followed a friend into an art supply store．I found him picking out tubes of water-color paint, which __36__ me because he’s not an artist.
"I   37  up for a water-color class, and it starts next week," he said．"I really don’t have  38_ for it, but it was on my list of 50 things to do before I die, so I _39__ it．Every few months I look at the list and decide what to focus on next． 40  I had the list, I complained a lot about what I was  41 _ in my life．Now I just bury myself in doing these things．Write your own list．a(chǎn)nd you’ll   42  what I mean．"
So that night．I did just that, and he was right．The list revealed （顯露出） a whole lot about what was __43__ to me．It also revealed how _44___ behind I am at getting to the things I really want．
I filled up the first twenty __45__ quickly, but then began to think carefully．
Eventually I __46_ items I’ve thought about for years, and __47__ I’ve carried with me since I was young．When I  48  the list later, some entries surprised me．
First, I want to _ 49_ much more, particularly now that my children are   50_ and can go with me to see the world．I would like to take them to bike through Denmark and camp in the Canadian Rockies．
I’m also surprised to _51_ some things on the list that need to be done soon．If I’m going to learn to roller-blade （輪滑）, __52_, I’d better start before I turn 50．
Like my friend, I now have an alternative to __53__．When I’m bored with life, I take out my list．
My friend told me the _54_ was preparing the ground so that life could work in mysterious ways．"If you want your ship to come in, you must build a dock （碼頭）," he said．
Thanks to my _55__, I’m working on some big docks．

A little girl lived in a small, very simple, poor house on a hill and as she grew she would play in the small garden. There, she was able to see over the garden fence and across the valley to a wonderful house high on the hill. This house had golden windows, so golden and shining that the little girl would dream of how magic it would be to grow up and live in a house with golden windows instead of an ordinary house like hers. Although she loved her parents and her family, she yearned to live in such a golden house and dreamed all day about how wonderful and exciting it must feel to live there.
When she got to an age when she gained enough skill and sensibility to go outside her garden fence, she asked her mother if she could go for a bike ride outside the gate and down the lane. After pleading with her, her mother finally allowed her to go, insisting that she should keep close to the house and not wander too far. The day was beautiful and the little girl knew exactly where she was heading! Down the lane and across the valley, she rode her bike until she got to the gate of the golden house across on the other hill.
As she dismounted her bike and leaned it against the gate post, she focused on the path that led to the house and then on the house itself. She was so disappointed as she realized all the windows were plain and rather dirty, reflecting nothing other than the sad neglect of the house that was derelict.
So sad she didn't go any further and turned, and heart broken as she remounted her bike. As she glanced up she saw a sight to amaze her. There across the way on her side of the valley was a little house and its windows glistened golden as the sun shone on her little home.
She realized that she had been living in her golden house and all the love and care she found there was what made her home the 'golden house'. Everything she dreamed was right there in front ofher nose!
【小題1】Why did the girl long for the house on the hill?