As a freshman in college, Chelsea Fagan got her first credit card. Without really     1    (understand) how the credit system works, she maxed out her credit limit and     2    (throw) out the card without paying the bill. She ruined her credit.

To prevent credit ruin from happening again, Fagan started a personal blog    3    (track) her budget. The blog has turned into The Financial Diet,     4    is now a platform about “personal finance and living better” and aims to open the conversation about money, share advice    5    educate young adults.

Now Fagan runs The Financial Diet with Graphic Designer Lauren Ver Hage. Their team     6    (make) up of another five women and multiple guest contributors. Anyone who has something to share about anything related    7    money can submit a blog post and end up being published. This allows for plenty of opinions,     8    (experience) and tips. Aside from money, the topics include career tips, college finances, budgeting for your lifestyle and travel and how to manage your money to live your dream life.

    9     first smart money move you can make is to take advantage of this free and informative resource. Doing so won’t cost you any money but can     10    (final)save you some.

Scientists have found fossilized bones from an extinct penguin that was the size of an adult human. It    1     (swim) in the ocean around New Zealand about 60 million years ago. The species     2    (know) before is believed to have stood about 1. 6 m tall and weighed up to 80 kg. It's believed to have been one of several species of huge penguins that grew strongly soon after dinosaurs died out.

The findings of scientists who studied the penguin bones were published last week in a scientific journal. Professor Paul Scofield says the     3    (discover) is significant because the species is similar to another giant penguin found in Antarctica in 2000 and helps show a connection     4    the two penguins during the Palaeocene (古新世), a period of time    5    was from 66 million to 56 million years ago.

The monster penguin would have been about twice the weight and 30 cm    6    (tall) than the largest species of penguins alive today. Paul adds the leg bones indicate the monster penguin's    7     (foot) may have played a bigger role in swimming than it is the case with today' s penguins.

“It wasn't     8     1 got the fossils home and did a little preparation that I realized I had the penguin bones     9     (complete) different from what had been found before," Paul said. His passion for collecting fossils began about 14 years ago after illness prevented him from    10     (work) for several years.

Louis Pasteur was a French scientist who developed cures for many dangerous     1    (illness). He also successfully invented a way to kill bacteria in milk and make it safe to drink.

Pasteur was born   in 1822, in Dole, France. He was a courageous student who     2    (frequent) asked questions, searched for answers and challenged incorrect ideas. He     3    (receive) a Doctor of Science degree in 1847. While     4    (work) at the University of Lille, Pasteur discovered fermentation, a chemical change used to make bread, cheese and other foods, involved germs. He showed that heat killed the germs that cause fermentation. This     5    (discover) led to his invention of a process for destroying harmful germs in food, which became     6    (know) as pasteurization (巴氏灭菌法).

In the 1870s, Louis Pasteur sought to find a cure for anthrax—a disease    7    mainly affects cattle. Firstly, he found anthrax was much more likely if farmers buried dead sheep with the disease in fields. Pasteur advised farmers not     8    (bury) any dead animals in areas where cattle may eat growing grass in the future. In 1881 he conducted an experiment to try out his vaccine (疫苗)for   anthrax, which was     9    success.

Pasteur died in 1895, in Saint-Cloud, France. On his last day he remarked: "I should like to be younger, so as to devote myself    10    the study of new diseases."