4 . Directions:Write an English composition in 120-150 words according to the instructions given below in Chinese.
如今，电子支付(electronic payment)成为潮流，现金的使用率越来越低。请你简要说明电子支付在生活中的具体应用，并谈谈你对电子支付是否会取代现金的看法。
你的文章必须包括：
1. 简要说明电子支付在生活中的具体应用;
2. 电子支付是否会取代现金?为什么?
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5 . Credit cards

However you view credit card, it’s hard to live in the modern world without one. And if you have one, you owe it to yourself to use it properly.

Although credit cards are becoming a more acceptable part of the financial scene, they are still regarded with suspicion by many as being a major part of the “live now pay later” syndrome(综合症).     1     They can allow you to pile up debts that you have difficulty paying off; they can also let you spend next month’s salary today. Of course, it is only the foolish who give in to the temptation to live temporarily at least beyond their means, and such people would no doubt manage to do so even without credit cards.

Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces f plastics. They avoid the need to carry large amounts of cash and are always useful in emergencies. All the credit card organizations charge interest on a monthly basis.     2     Using a card abroad where items frequently take a long time to be included on your account can extend this period even further.

    3     It is necessary to consider the amount of credit granted and interest rates, which may vary slightly. And of course, what happens if your card is lost or stolen? A credit card chief may be sitting on a potential gold mine particularly if there is delay in reporting the loss of the card.

Using a credit card wisely takes discipline and a little self-control. Once you realize your debt is someone else’s profit margin, your approach to your plastic will change. With a bit of discipline and some practical knowledge, you can make your cards work for you, rather than the other way round.     4    

A．The cardholder must pay a defined minimum position of the amount owed by a due date, or may choose to pay a higher amount.

B．It is worthwhile shopping around before deciding on a particular credit card.

C．They provide encouragement to spend more money.

D．In other words, they combine payment services with extensions of credit.

E．As a matter of fact, a credit card can cost noting or at least help you through a period of financial difficulty.

F．Yet wise purchasing using a card can mean you obtain up to seven weeks’ interest-free credit.

6 .

A．Secretary and manager.	B．Shop assistant and customer.
C．Salesperson and bank clerk.	D．Cashier and boss.

8 . Directions: Read the following passage. Summarize in no more than 60 words the main idea and the main point(s) of the passage. Use your own words as far as possible.

They like using the Internet. They have lots of pocket money to spend. And they spend a higher proportion of it online than the rest of us. Teenagers are just the sort of people an online seller is interested in, and the things they want to buy — games, CDs and clothing — are easily sold on the Web.

But paying online is a tricky business for consumers who are too young to own credit cards. Most have to use a parents card. They want a facility that allows them to spend money.

That may come sooner than they think: new ways to take pocket money into cyber space are coming out rapidly on both sides of the Atlantic. If successful, these products could stimulate online sales.

In general, teenagers spend huge amounts: $153 bn (billion) in the US last year and £20 bn annually in the UK. Most teenagers have access to the Internet at home or at school — 88 percent in the US, 69 percent in the UK. According to Jupiter Research, one in eight of those with Internet access has bought something online — mainly CDs and books.

In most cases, parents pay for these purchases with credit cards, an arrangement that is often unsatisfactory for them and their children. Pressing parents to spend online is less productive than pressing on the high street. They’re more likely to ask “Why” if you ask to spend some money online.

One way to help teenagers change notes and coins into cybercash is through prepaid cards such as IntenetCash in the US and Smart cards in the UK, Similar to those for pay-as-you-go mobile telephones, they are sold in amounts such as £20 or $50 with a concealed 14-digit number that can be used to load the cash into an online account.