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Most banks have a section（)you set up payees.A、 thatB、 whichC、 in which

Most banks have a section()you set up payees.

A、 that

B、 which

C、 in which

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第1题

听力原文：A house is the most expensive thing most people will ever buy. Very few people ha

听力原文： A house is the most expensive thing most people will ever buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called taking a mortgage. The hank usually lends money or gives a mortgage for 25 years. This means that the person who borrows has 25 years to pay back the money. The bank lends this money with interest, and the borrower makes equal monthly payments to the hank until he has paid the mortgage. Houses are so expensive that many people nowadays have to borrow as much as $50,000. In other words, they will have a $50,000 mortgage.

How can you get a mortgage？ When you find a house you like, you go to a bank, sometimes it is necessary to go to a few banks, before applying for a mortgage at once. The bank will investigate your financial history and decide if they think you axe a good risk. They will want to know what kind of job you have. In addition, the banks will require a down payment. Depending on which state you live in, the bank may require as much as 30% of the price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.

(30)

A．It means to rent a house for 25 years.

B．It means to buy an old house at a low price.

C．It means to borrow money from a bank to buy a house.

D．It means to borrow money from a friend to buy a house.

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第2题

In contrast to traditional analyses of minority business, the sociological analysis conten

ds that minority business ownership is a group-level phenomenon, in that it is largely dependent upon socialgroup resources for its development. Specifically, this analysis indicates that support networks play a critical role in starting and maintaining minority business enterprises by providing owners with a range of assistance, from the informal encouragement of family members and friends to dependable sources of labor and clientele from the owner's ethnic group. Such self-help networks, which encourage and support ethnic minority entrepreneurs, consist of "primary" institutions, those closest to the individual in shaping his behavior. and beliefs. They are characterized by the face-to-face association and cooperation of persons united by ties of mutual concern. They form. an intermediate social level between the individual and larger "secondary" institutions based on impersonal relationships. Primary institutions comprising the support network include kinship, peer, and neighborhood or community subgroups.

A major function of self-help networks is financial support. Most scholars agree that minority business owners have depended primarily on family funds and ethnic community resources for investment capital. Personal savings have been accumulated often through frugal living habits that require sacrifices by the entire family and are thus a product of long-term family financial behavior. Additional loans and gifts from relatives forthcoming because of group obligation rather than narrow investment calculation, have supplemented personal savings. Individual entrepreneurs do not necessarily rely on their kin because they cannot obtain financial backing from commercial resources. They may actually avoid banks because they assume that commercial institutions either cannot comprehend the special needs of minority enterprise or charge unreasonably high interest rates.

Within the larger ethnic community, rotating credit associations have been used to raise capital. These associations arc informal clubs of friends and other trusted members of the ethnic group who make regular contributions to a fund that is given to each contributor in rotation. One author estimates that 40 percent of New York Chinatown firms established during 1900-1950 utilized such associations as their initial source of capital. However, recent immigrants and third or fourth generations of older groups now employ rotating credit associations only occasionally to raise investment funds. Some groups like Black Americans, found other means of financial support for their entrepreneurial efforts. The first Black-operated banks were created in the late nineteenth century as depositories for dues collected from fraternal or lodge groups, which themselves had sprung from Black churches. Black banks made limited investments in other Black enterprises. Irish immigrants in American cities organized many building and loan associations to provide capital for home construction and purchase. They in turn, provided work for many Irish home-building contractor firms. Other ethnic and minority groups followed similar practices in founding ethnic-directed financial institutions.

Which of the following can be inferred from the passage about rotating credit associations？

A．They were developed exclusively by Chinese immigrants.

B．They accounted for a significant portion of the investment capital used by Chinese immigrants in blew York in the early twentieth century.

C．Third- generation members of an immigrant group who started businesses in the 1920's would have been unlikely to rely on them.

D．Recent immigrants still frequently turn to rotating credit associations instead of banks for investment capital.

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第3题

With the spread of vast computer data banks, it will soon be possible to _____individuals walking alone a street, whether or not they have committed a crime.

A.identify

B.embody

C.substitute

D.picture

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第4题

Passage Four Questions 36 to 40 are based on the following passage. In 1854 my great-gra

Passage Four Questions 36 to 40 are based on the following passage.

In 1854 my great-grandfather, Morris Marable, was sold on an auction block in Georgia for $500. For his white slave master, the sale was just “business as usual.” But to Morris Marable and his heirs, slavery was a crime against our humanity. This pattern of human rights violations against enslaved African-Americans continued under racial segregation for nearly another century.

The fundamental problem of American democracy in the 21st century is the problem of “structural racism” the deep patterns of socio-economic inequality and accumulated disadvantage that are coded by race, and constantly justified in public speeches by both racist stereotypes and white indifference. Do Americans have the capacity and vision to remove these structural barriers that deny democratic rights and opportunities to millions of their fellow citizens？

This country has previously witnessed two great struggles to achieve a truly multicultural democracy.

The First Reconstruction (1865-1877) ended slavery and briefly gave black men voting rights, but gave no meaningful compensation for two centuries of unpaid labor. The promise of “40 acres and a mule (骡子)”was for most blacks a dream deferred (尚未实现的).

The Second Reconstruction (1954-1968), or the modern civil rights movement, ended legal segregation in public accommodations and gave blacks voting rights. But these successes paradoxically obscure the tremendous human costs of historically accumulated disadvantage that remain central to black Americans’ lives.

The disproportionate wealth that most whites enjoy today was first constructed from centuries of unpaid black labor. Many white institutions, including some leading universities, insurance companies and banks, profited from slavery. This pattern of white privilege and black inequality continues today.

Demanding reparations (赔偿) is not just about compensation for slavery and segregation. It is, more important, an educational campaign to highlight the contemporary reality of “racial deficits” of all kinds, the unequal conditions that impact blacks regardless of class. Structural racism’s barriers include “equity inequity.” the absence of black capital formation that is a direct consequence of America’s history. One third of all black households actually have negative net wealth. In 1998 the typical black family’s net wealth was $16,400, less than one fifth that of white families. Black families are denied home loans at twice the rate of whites.

Blacks remain the last hired and first fired during recessions. During the 1990-91 recession, African-Americans suffered disproportionately. At Coca-Cola, 42 percent of employees who lost their jobs were blacks. At Sears, 54 percent were black, Blacks have significantly shorter life spans, in part due to racism in the health establishment. Blacks are statistically less likely than whites to be referred for kidney transplants or early-stage cancer surgery.

36. To the author, the auction of his great-grandfather is a typical example of ________.

A) crime against humanity

B) unfair business transaction

C) racial conflicts in Georgia

D) racial segregation in America

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第5题

根据以下内容回答下列各题 When studying human talent, the temptation is usually to concent

rate on the upper reaches. Understandably so: we all admire the Einsteins and Mozarts of this world and 36 to imitate them. In comparison, studying the opposite end of the spectrum might seem pointless, patronizing(摆出恩赐态度的)or downright tasteless. Lack of intelligence is shameful enough without treating people like lab rats. Yet it often takes a different viewpoint to find new insights into an old problem. Stupidity is too important and interesting to ignore. The science of stupidity is producing results that 37 our concepts of intelligence and that should be humbling for many of the smart people who run the world. It turns out that a tendency for entertaining 38 , foolish or illogical ideas is not necessarily the result of a low IQ. This measure of intelligence is largely 39 of rationality. Just because you score on the high end of one scale doesnt mean that you wont fall at the bottom of the other. Importantly, no one is 40 to the biases that lead to stupid decisions. Yet our respect for IQ and education means that it is easy to rest on the laure/s (桂冠) of our qualifications and assume that we are,by definition, not stupid. That can be 41 on a personal level: regardless of IQ, people who score badly on rationality tests are more likely to have unplanned pregnancies or fall into serious debt. Large scale stupidity is even more damaging. Business cultures that 42 encourage it, for example,may have contributed to the economic crisis. Indeed, the effects may have been so damaging precisely because banks assumed that intelligent people act logically while at the same time rewarding rash behavior. based on intuition rather than 43 . As one researcher puts it: "The more intelligent someone is, the more disastrous the results of their stupidity". The same surely applies to politicians: the tenth anniversary of the invasion of Iraq serves as a 44 that clever people can do monumentally stupid things. If we want to avoid making similar mistakes in the future, everybody--especially the most intelligent and powerful--would do well to humbly 45 their own weaknesses. To quote Oscar Wilde: "There is no sin except stupidity. " A)acknowledge I) independent B)aspire J)negligible C)challenge K)nomination D)commemorate Dperpetually E)damaging M)rash F)deliberation N)recipient G)immune O)reminder H)inadvertently 请回答36题_____

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第6题

"If you had to identify, in one word, the reason the human race has not achieved, and neve

r will achieve, its full potential, that word would be meetings." Thus spoke humorist Dave Barry, and many of us would agree. But it doesnt have to be this way. Some tips for having a good one: Start and end strongly. Running a productive meeting isnt rocket science. As Denver-based consultant Teri Schwartz notes, much of it boils down to opening and conducting every meeting with a purpose and closing it with a plan for "going forward." Problems arise when people forget this. "Its like flying a plane," says Schwartz. "Most crashes happen at takeoff and landing." Pick a leader. Four years ago, Clevelands KeyCorp Bank adopted a new principle: Always assign someone to lead. "The worst thing you can do is go into a meeting with no one in charge," says the banks senior EVP and chief risk officer, Charles Hyle. "It turns into a shouting match." Think small. Be realistic about what you can accomplish. "You cant solve world hunger in an hour," Schwartz says. By the same token, keep the number of attendees manageable to stimulate discussion. "When you have too many people in the room," says Hyle, "everyone clams up as if their mouths were sealed." Direct, dont dominate. "People hate it when they cant get their work done because they have to go to somebody elses meeting," says Columbia Business School professor Michael Feiner. So encourage others to speak up and get involved, especially junior staffers. "They need to believe its not his meeting or her meeting, but our meeting," Feiner says. Lay down the rules of engagement. Everyone should understand who will take notes and how decisions will be made. Remember that consensus is typically a bad thing. "It means there isnt enough dialogue or debate," says Feiner, "and thats the lifeblood of any innovative organization." Jon Petz, the author of Boring Meetings Suck, suggests assigning follow-up tasks during the final five to ten minutes, then repeating them later in a group e-mail so that theres no confusion.

In Dave Barrys opinions, meetings______.

A．have been blocking human progress

B．may fade away from the human world

C．are an important part of the human race

D．are meant to solve problems for humans

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第7题

GardeningThe technology of beautyNow, gardening was driven by three main trends: technolog

Gardening

The technology of beauty

Now, gardening was driven by three main trends: technological change, plant prospecting and fashion. Of these, the most important was technology, whose advances made it possible for the middle classes to enjoy what had once been affordable only to the very rich.

The most dramatic example of popularizing technology was surely the invention of the lawnmower. Nothing was more labour-intensive, in the 18th century, than maintaining a large lawn. It would take three men with scythes (大镰刀) a whole day to cut an acre (two-fifths of a hectare) of grass; they would be followed by lawn women whose task was to gather up the cuttings.

Just one man went to mow

Then, in 1830, Edwin Beard Budding realised that the rotary blade used in the cloth industry to produce an even pile on textiles could be used on grass. The rotary lawnmower meant that suburban homes could afford the neat greensward (草皮) previously available only to the rich.

The other technology that transformed Victorian gardening was the development of the art of growing plants under glass. Importing plants from countries as distant as Australia became a commercial possibility once they were sealed in wooden boxes with glass tops. From the 1830s on, Victorian gardens, private and public, used masses of bedding plants. In 1877, 2 million plants were bedded out in London's parks, often in elaborate geometric designs. Growing them under glass protected them both from frost and from pollution.

In the past century, technology has once again transformed and simplified gardening. Among the most significant advances is the growing of plants in containers. Instead of ordering plants grown in open fields and dug up bare-rooted for planting in autumn, gardeners now typically buy plants which, because they have been grown in containers, can be transplanted at almost any time of year. Container growing has in turn become possible largely because of the development of lighter composts.

Other men's flowers

The past two centuries have seen an immense increase in the range of garden plants. Native species have been refined and developed; and explorers have brought back plants from all parts of the world. The passion for plant collecting sprang partly from the expansion of Catholic religious orders (神职) abroad in the 16th century, looking for medicinal plants as well as souls to convert. Many early plant-hunters are commemorated in plant names, such as the Tradescants, father and son; Sir Joseph Banks, who sailed with Captain Cook and brought home 3500 species from Australia.

Fashion is every bit as important in determining what people grow as in what they wear. The geometry, gravel and bedding plants of the mid-19th-cenmry town-house garden had given way, by the century's end, to a passion for informality and English cottage gardens, fostered by two of the great designers of the age. Their influence has proved enduring. "All over the world, people want to rival English gardens, often in a climate that makes it very difficult," says Sarah Bond, an enthusiastic amateur gardener in Manhattan.

A growing business

Both gardening and looking at gardens are developing rapidly. Give people a piece of ground and they will buy something to put in it. Mark Bhatti and Andrew Church of Brighton University in England point to the fact that people now seem to spend far more on machinery and chemicals, and more again on benches, barbecues, pots and sun-loungers, than they spend on plants themselves.

Moreover, the range of places where people can buy gardening supplies has expanded. Supermarkets and general stores frequently carry plants and other gardening necessities. On the contrary, Britain's Garden Centre Association says that around 12% of the typical turnover of a garden centre now comes from the cafe. A trip to a ga

A．Y

B．N

C．NG

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第8题

The Supreme Court's recent decision allowing regional interstate banks has done away with

one restriction in America's banking operation, although many others still remain. Although the ruling does not apply to very large money-center banks, it is a move in a liberalizing direction that could in the end push Congress into framing a sensible legal and regulatory system that allows banks to plan their future beyond the next court case.

The restrictive laws that the courts are interpreting are mainly a legacy(遗赠物) of the bank failures of the 1930's. The current high rate of bank failure--higher than at any time since the Great Depression--has made legislators 'afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets.

In trying to escape from these restrictions, banks are taking enormous, and what should be unnecessary, risks. For instance, would a large bank be buying small, failed savings banks at inflated prices if federal law and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region？ Of coupe not. The solution is clear. American banks will be sounder when they are not geographically limited.

The house of Representative's banking committee has shown part of the way forward by recommending common-sensible, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big moneycenter banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.

The restrictive banking laws of the 130's are still on the book because______.

A．the bank failures of the 1930's were caused by restrictive courts

B．banking has not changed during the past 50 years

C．legislators believe banking problems similar to those of the Depression still exist today

D．the banking system is too restrictive, but no alternatives have been suggested

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第9题

Most of the problems （) on the major online services.

A.occur

B.example

C.have

D.mean