1 . A study involving 8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings, the first in a series of reports from NatWest that has started a five-year researeh project into teenagers and money, are particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.
University tuition fees (学费) are currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
In the researeh, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £ 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £ 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £ 10.000. Average debts for graduates are £ 12，363.
Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they are to become responsible, forward-planning adults who manage their finances confidently and effectively."
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.
1. Which of the following can be found from the five-year researeh project?

A．Students understand personal finances differently.

B．University tuition fees in England have been rising.

C．Teenagers tend to overestimate their future earnings.

D．The students' payback ability has become a major issue.

2. The phrase "to raise the ceiling" in paragraph 2 probably means "______".

A．to raise the student loans	B．to improve the school facilities
C．to increase the upper limit of the tuition	D．to lift the school building roofs

3. According to Stephen Moir, students_______.

A．are too young 10 be exposed 10 financial issues

B．should learn 10 manage their finances wellC- should maintain a positive attitude when facing loans

C．benefit a lot from lessons on personal finance

4. What can we learn from the passage?

A．Many British teenagers do not know money matters well

B．Teenagers in Britain are heavily burdened with debts.

C．Financial planning is a required course at college.

D．Young people should become responsible adults.

2 . Celebrity(名人) has become one of the most important representatives of popular culture. Fans used to be crazy about a specific film, but now the public tends to base its consumption(消费) on the interest of celebrity attached to any given product. Besides, fashion magazines have almost abandoned the practice of putting models on the cover because they don’t sell nearly as well as famous faces. As a result, celebrities have realized their unbelievably powerful market potential, moving from advertising for others’ products to developing their own.
Celebrity clothing lines aren’t a completely new phenomenon, but in the past they were typically aimed at the ordinary consumers, and limited to a few TV actresses. Today they’re started by first-class stars whose products enjoy equal fame with some world top brands. The most successful start-ups have been those by celebrities with specific personal style. As celebrities become more and more experienced at the market, they expand their production scale rapidly, covering almost all the products of daily life.
However, for every success story, there’s a related warning tale of a celebrity who overvalued his consumer appeal. No matter how famous the product’s origin is, if it fails to impress consumers with its own qualities it begins to resemble an exercise in self-promotional marketing. And once the initial(最初的) attention dies down, consumer interest might fade, loyalty(忠诚) returning to tried-and-true labels.
Today, celebrities face even more severe embarrassment. The pop-cultural circle might be bigger than ever, but its rate of turnover has speeded up as well. Each misstep threatens to reduce a celebrity’s shelf life, and the same newspaper or magazine that once brought him fame has no problem picking him to pieces when the opportunity appears. Still, the ego’s(自我的) potential for expansion is limitless. Having already achieved great wealth and public recognition, many celebrities see fashion as the next frontier to be conquered. As the saying goes, success and failure always go hand in hand. Their success as designers might last only a short time, but fashion—like celebrity—has always been temporary.
1. Fashion magazines today        .

A．seldom put models on the cover

B．no longer put models on the cover

C．need not worry about celebrities’ market potential

D．judge the market potential of every celebrity correctly

2. A change in the consumer market can be found today that        .

A．price rather than brand name is more concerned

B．producers prefer models to celebrities for advertisements

C．producers prefer TV actresses to film stars for advertisements

D．quality rather than the outside of products is more concerned

3. The underlined sentence in Paragraph 4 indicates that any wrong step will possibly        .

A．decrease the popularity of a celebrity and the sales of his products

B．damage the image of a celebrity in the eyes of the general public

C．cut short the artistic career of a celebrity in show business

D．influence the price of a celebrity’s products

4. The passage is mainly about        .

A．celebrity and personal style	B．celebrity and market potential
C．celebrity and fashion design	D．celebrity and clothing industry