1 . Directions: After reading the passage below, fill in the blanks to make the passage coherent and grammatically correct. For the blanks with a given word, fill in each blank with the proper form of the given word; for the other blanks, use one word that best fits each blank.

Buy Now, Pay Later Spending

Buy now, pay later(BNPL) spending is expected to rise to record levels this holiday season. With so many young “buy now, pay later” shoppers already in debt from this short-term financing tool not requiring interest, questions emerge: Why do these shoppers use such a tool? And what risks does it pose to their budgets in the months     1     (come)?

The many Generation Z and millennials (typically around 40 years and younger) tend to use this short-term financing,     2     allows them to buy items and pay for them over time. Offered mostly by financial technologies, BNPL allows these customers to pay back their purchases     3     interest and with the first payment usually made at checkout. The most common “buy now, pay later” plan is     4     customers make four equal payments and pay off the debt in six weeks. It’s been a lifeline for some people, such as a university student     5     weekly income is not big enough. “BNPL provides consumers with flexible payment options so they     6     manage spending,” said Vivek Pandya, lead analyst at Adobe Digital Insights. That is of great importance for many consumers, especially     7     with a tendency to purchase higher-cost items.

However, since BNPL     8     (appear), warnings from experts have come into our view. They have been indicating that it’s financially unhealthy to form such a spending habit. According to New York Federal Reserve economists, BNPL may encourage debt to increase over time,     9     (influence) a consumer’s ability to meet non-BNPL commitments, or users to over extend themselves. Users should also note that     10     interest is not charged on the loan, they’ll be hit with late fees for missed payments, which can add up quickly, says the Consumer Financial Protection Bureau.

2 . 假设你叫李津，你校曾经的来自加拿大的交换生Jason给你写信，询问你关于非现金支付在中国的情况。现在你给他回信，信的主要内容包括：
1. 问候他的近况
2. 介绍中国人的支付方式（手机，信用卡，现金）
3. 你对非现金支付的看法（包括这种方式的优点和不足）
参考词汇：非现金支付Non—cash payments
注意：
1. 词数不少于100词。
2. 文章的开头和结尾已经给出，不计入总词数。
Dear Jason,
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Yours

Li Jin