【R4】A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT. B. TRYING TO GET OUT OF THE LATE FEE SOMETI

【R3】

A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.

B. TRYING TO GET OUT OF THE LATE FEE SOMETIMES.

C. YOU"D BETTER PLAN TO PAY AHEA

D.

D. CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE

E.

E. YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM

E. IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU

M. 【R1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT

E. IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS. AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【R2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT

E. YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER. YOUR BIRTHDAY"S ON FE

B. 17? MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT

H. 【R3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT. IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY. JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY. JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【R4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL. YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTOM

E. COM OR REMEMBERTHMIL

K. COM, 【R5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT. HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG

E. NO DICE? ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY. YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT. "MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE

D. " SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOWLY.OR

G. "IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI

E. " NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW

N.

【R2】

A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.

B. TRYING TO GET OUT OF THE LATE FEE SOMETIMES.

C. YOU"D BETTER PLAN TO PAY AHEA

D.

D. CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE

E.

E. YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM

E. IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU

M. 【R1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT

E. IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS. AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【R2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT

E. YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER. YOUR BIRTHDAY"S ON FE

B. 17? MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT

H. 【R3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT. IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY. JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY. JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【R4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL. YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTOM

E. COM OR REMEMBERTHMIL

K. COM, 【R5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT. HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG

E. NO DICE? ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY. YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT. "MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE

D. " SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOWLY.OR

G. "IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI

E. " NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW

N.

【R1】

A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.

B. TRYING TO GET OUT OF THE LATE FEE SOMETIMES.

C. YOU"D BETTER PLAN TO PAY AHEA

D.

D. CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE

E.

E. YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM

E. IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU

M. 【R1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT

E. IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS. AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【R2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT

E. YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER. YOUR BIRTHDAY"S ON FE

B. 17? MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT

H. 【R3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT. IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY. JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY. JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【R4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL. YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTOM

E. COM OR REMEMBERTHMIL

K. COM, 【R5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT. HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG

E. NO DICE? ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY. YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT. "MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE

D. " SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOWLY.OR

G. "IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI

E. " NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW

N.

Which of the following statements is FALSE according to the passage?

A．The increasingly interconnected modern world makes it much more difficult for small language communities to live in relative isolation.

B．Whether most minority languages survive will probably depend on how strongly cultural groups wish to keep their identity alive through a native language.

C．In all respects technological innovations do not help minority languages to survive in the modern world.

D．Language is not just a tool for communicating, but also a powerful way of separating different groups, or of demonstrating group identity.

Which of the following statements is NOT true according to the given article?

A．Adapting the infrared scanning technology developed for military purposes and other satellites, physicist Stephen Paley came up with a quick way to take the temperature of crops to determine which ones are under stress.

B．The goal of applying infrared scanning technology was to let farmers precisely target pesticide spraying rather than rain poison on a whole field.

C．Paley"s Remote Scanning Services Company could detect crop problems before they became visible to the eye.

D．In spite of meeting with financial problems, Paley"s company has been struggling to keep operation until now.

What is the authors main opinion on keeping fit?

A．Being fat implies a lack of moral strength.

B．Being overweight correlates with an increased risk of heart and blood vessel disease.

C．People should pay attention to their overall life-style. to keep both fit and healthy.

D．Our obsession with thinness is also fueled by health concerns.

Which of the following statements is NOT true according to the passage?

A．The Alaska pipeline is massive in size and extremely complicated to operate.

B．The pipe is 4 feet in diameter, and up to 2 million barrels of crude oil can be produced through it daily.

C．The pipeline cost approximately $ 8 billion and is by far the biggest and most expensive construction project ever undertaken by private industry.

D．8 major oil consortiums are the holders of the pipeline.

The word "it"(Sentence 3, Para. 1)refers to______.

A．pipeline

B．ocean

C．state

D．village

According to the given article, which of the following statements is NOT true?

A．Pop music is being blamed by the United Nations for the dramatic rise in drug abuse worldwide.

B．Pop music is by far the most influential trend-setter for young people of most cultures.

C．The UN study also blames the media for its description of certain drug issues— especially the use of marijuana and issues of liberalization and legalization.

D．The present study focuses on the issue of demand increase and prevention within an environment that has become tolerant of drug abuse.

According to the fifth paragraph, which of the following statements is NOT a fact?

A．The successful collaboration among medicine, advanced technology, and telecommunications is likely to have enormous implications for patient care and doctor training.

B．Highly skilled surgeons may perform. especially difficult operations through longdistance procedures.

C．The scanning systems used to control surgical movement can also lead to a breakthrough in teaching surgical techniques to a new generation of physicians.

D．More surgeons-in-training will have the opportunity to observe their teachers in action in telesurgery operating rooms around the world.