1 . History has not yet ________ what we will definitively call the post millennial cohort (2000年后出生的人) that now ________ more than 60 million people in the U.S. These kids and ________ with no concept of life ________ the Internet have so far been called the App Generation and Generation Z. They’ve been referred to as Homelanders, having grown up under the ghost of terrorism. They’ve also been ________ the Plurals for their historic diversity, as well as the Founders, at least by MTV.

Whatever we ________ naming them, marketer and academies are turning their attention to this group, which has billions in ________ and is already shaping the culture. This generation is growing up “totally and utterly connected” says California State University psychologist Larry Rosen. Experts like Rosen have concerns about these kids’ Google-inspired expectations that everything be ________ . They worry about their inability to ________ even five seconds of boredom. And they worry about the demands that come with ________ several identities online, from Facebook to Twitter to Snapchat. “There’s so much pressure on young people, who are still ________ their identities, to present this crystallized, idealized identity online,” says the University of Washington’s Katie Davis.

Historian Neil Howe sees ________ with the Silent Generation, the spoilt risk-avoiding “nice” generation of kids who grew up during the Great Depression and World-War II, although some marked differences are found. Today’s youths are also coming of age among geopolitical trouble and fears about the economy, he says, ________ schools emphasize an intense far-reaching sensitivity to other kids. He suspects this ______ will be known for being well behaved and perhaps boring the culture by playing it safe. “There are typical examples that occur repeatedly,” Howe says, "even if they go by different ________.”

2 . During my freshman year at Brooklyn College, credit card companies were eager to earn the business of students. _________ by various rewards programs that only told part of the story, many students signed up for one or more cards without understanding the _________ of late payment.

_________ basic financial literacy (金融素养) meant many college students started off their adult lives with poor credit. _________ they faced challenges later in life when they needed to borrow money but couldn’t _________ a low-interest loan. Poor credit _________ me past college and years into my teaching career. That has fueled my sense of _________ to teach the next generation of students about personal finance. It’s why I helped develop a personal finance course for teens and young adults.

To make the class as _________ as possible, we asked the students what _________ interested them. They were curious to know about buying homes and cars. Our course, intended for those aged between 14 and 21, has them __________ questions: How much do I need to save to make these purchases? Which purchases do I prioritize (优先考虑)?

We, educators, can help young people __________ life after graduation, as there are many great __________ and developing our course was __________ than I had expected which is why I hope more schools and youth organizations will offer financial education.

Financial literacy shouldn’t be optional because it puts those without it at a significant __________. And if my __________ as a student and an educator have taught me anything, it’s that no one should have to learn important financial lessons the hard way.

6 . A couple weeks ago, I tried to buy my teen a new bike. One local bike store told me their shipment was _______; I could return weeks later. A sporting goods chain said they had nothing proper, and I should try calling every week to _______ their latest goods — and rush there if they_______ to have it. Eventually I did _______ a bike.

The next thing I should buy is a fitted helmet (头盔). But that was still a _______ task. Given that most of teens I saw riding around were helmet-less, I guessed we were not _______ in the careless helmet use, and this thing was _______. But Zayden’s story alarmed me, whose life was changed by a bicycle-related accident. A week before that, his parents bought him a new _______ that he actually liked. Sadly, Zayden had _______ it at a friend’s home so he was riding without his helmet when hit by a motorcycle. Zayden was rushed to a hospital, with severe ________ injuries.

Statistics show over 240,000 teens were given ________ for bicycle-related injuries and suitable helmets can ________ the situation greatly. Zayden’s parents are ________ up with the hospital to spread the importance of bike helmets. When asked if there’s any ________ she would share, Zayden’s mom says, “No helmet, no riding, no ________.” And I knew I should get one immediately.

8 . Have you seen people who take pictures of food for more than 10 minutes before eating? My friend Stella is such an example. Every time we went to a restaurant she would not take a bite until all the dishes we ________ were on the table. Then she would spend five minutes in ________ the dishes in a seemingly random but in fact ________ order. Then the most important part: taking pictures. After that, she would choose one of the ________ and click in the filter app. The food eventually looked 10 times more delicious than it really was, but we had no ________ to really enjoy it—it all went cold, actually Stella’s real life is much less elegant. For example, she hates to wash the dishes, so she leaves them in the sink for days.

Many people care too much about others’ opinions and try too hard to ________ others. They find it hard to be ________ and to accept themselves, and thus they are afraid to show their ________ life on social media. What they are trying to prove is ________ what they lack in reality. But this will not bring any ________ to reality, as they still ________ the same old pattern of life.

If they really want an elegant life, they should put more ________ into achieving it ________ fabricating it. Being more confident, ________ themselves and trying their best to be better are much more meaningful than ________ their life on social media.

10 . Our life has been taken over by modern technology, for good of course. Young people celebrate the fast speed that technology can move at. But there is a group of people who cannot ______.

It is the group of people who are caught up between traditional and _______society, sort of like the middle child in technological advancement — not exactly old and resisting change, but trying very hard to become modernized, ending up being stuck in the middle. They are 40 to 60 years old and _____   the latest iPhone or Samsung phone or Huawei. They buy an iPad just ______ they can afford to, and play the same games on a larger screen.

They are almost like the teenagers five years ago，______ on their phones playing a game or using social media. They're everywhere. And I saw something today that made me extremely ______.

On a train, a mother was ______ playing a Candy Crush like game. Her daughter was sitting beside her. The little girl, about five years old, was talking to her mother about her day，______ the next stop's name cheerily—with obviously desperate attempts to get her mother's ______.

The mother? All she did was nod and say the occasional “mmhm”. With her eyes on the_______，she concentrated on completing the level. I watched the girl make a final attempt to get her mom to look at her, and when she failed, she sighed and fell silent and defeated.

It broke my heart, and got me ______：What kind of game can make you______ that you have the most beautiful thing in the world, a person you love with all your heart? What does it ______ when you won't even look into her eyes or listen to her?

The scene was so familiar years ago when parents ______ that their children were too interested in their mobile devices. Look at how the tables have turned now. I'm ______ whether to laugh or to cry. But all I can do now is hope that this storm will pass.