Money can buy happiness only if spent in the right way.

Making yourself a good record

If you are an American and you think you might need to borrow money someday，the best thing to do is start early．

That’s because just as many employers want to hire only people with experience，banks and other creditots are usually reluctant to lend to those_______（1）a proven track record of paying back．_______ （2）time，the money they have borrowed．

But if you need experience just to get a start，how do you get that start in the first place?

With a little help from your parents usually，while you are still financially dependent_______ （3）them． It is easy to get a credit card or student loan when you are in college，because banks figure your parents will bail you out if you fail to pay．

So just as students take on internships to build up their resumes，one’s university time can be a good time to work on another important personal reeord：the credit_______ （4）．

Crledit reports are a_______ （5）0f one’s personal credit history，gathered by a credit reporting agency,or CRA．

Banks and companies-_______ （6） hospitals，landlords and insurance eompanies—regularly report to the three main CRAs in the US_______ （7）how their customers are doing at paying back the money they_______ （8）．

Anyone with a“legitimate business need”has the right to order individuals’reports from the CRAs．Potential creditots usually compile the information in the reports into a credit“score”，ranking the level of creditworthiness．Lack of experience in borrowing in_______ （9）to a bad record of doing so．can result in a low score．

Even if you are not considering taking out a loan for such a large purchase as a home or car，your credit report can be important to getting through life．Landlords often ask for the reports to judge_______（10）a person can be trusted to pay the rent．Credit checks are necessary for getting a credit card，even for purchasing a mobile phone calling plan．

People can obtain a copy of their own credit report，usually_______ （11）a cost of around us$8-9．Some consumer organizations recommend doing this once a year to allow one to catch any mistakes_______（12）have slipped into the records or，even worse，to find out whether any fraud has taken place．Though the system is controlled by laws_______ （13）to protect people’s privacy，it isn’t fool—proof：Sometime$people take out bad loads in others’names，_______ （14） their records. In a society addieted_______ （15）credit，that can be a disaster．

第 1 题

A．with

B．without

C．on

D．by

The importance of services can be shown

A．only by consumer expenditure.

B．only by money spent on business services.

C．by money spent on business services as well as on consumer services.

D．only by money spent on food and housing.

请阅读短文，完成第题。

When I read last week that Angela Ahrendts was getting up to $68m as a welcome gift forjoining Apple， my mind skipped at once to her husband. This latest addition to her vast stash ofmoney must catapult her spouse Gregg to the very top of the global my-wife-earns-more-than-meleague table.

It is quite an achievement. I have no idea if the two of them like each other， but they havestuck it out for a long time. They met at school and he chucked his job to follow her to the UKwhen she became head of Burberry; he seems to have spent the last eight years mainly looking aftertheir three children， revamping their home and putting supper on the table for her when she finallystaggered in on her five-inch heels. I suspect the real genius of Ms Ahrendts lies less in the wayshe persuaded people to buy 22，000 raincoats with peacock feather trims than in persuadingGregg to marry her——and to stick with her ever since.

It is no longer particularly rare for women to be the main breadwinner——in the US a quarter ofwives now earn more than their husbands——but what is rarer is for such a relationship to work. A

book published last week by the journalist Farnoosh Torabi draws together data showing just howhard it is: high-earning women have difficulty finding a husband， and when they do， he is five timesas likely to be unfaithful as other husbands. The woman will probably do more than her share ofchores; though in the unusual event that he starts ironing and cooking， he is likely to end upfeeling so unmanly. Either way， divorce beckons.

If I think of my many female friends who have out-earned their husbands， a suspiciously largenumber are divorced. One friend complained that she no longer knew what her husband was for ashe neither made much money nor showed any desire to help out at home. Hardly surprisingly， hisversion of events was different: as she insisted on dominating both at work and at home， he"d beenleft un-manned and without a role.

! know of only two sets of good friends where the woman earns more and where the marriageseems solid. In one there are no children， so the two spend their spare time being nice to eachother. In the second， the man is so good at child-rearing and cooking while the woman is sohopeless around the house， so everyone seems happy.

The majority of colleagues， even very young ones， still seem to be in relationships where theman makes more. One fiercely clever young male colleague says his equally clever feministgirlfriend has told him she could never marry a man who earned less as she didn"t fancy a lifespent propping up his ego.

What can we infer from the first two paragraphs? 查看材料

A.Angela Ahrendts and her spouse Gregg love each other.

B.The marriage is hard to sustain when a wife earns more than her husband.

C.Angela Ahrendts is an extraordinary woman.

D.Gregg devotes himself to his family.

Ellen MacArthur started sailing when she was eight，going out on sailing trips with her aunt．She loved it so much that she saved her money for three years to buy her first small sailing boat．When she was 18，she sailed alone around Britain and won the“Young Sailor of the Year”award．

But Ellen really became famous in 2001．Aged only 24，she was one of only two women who entered the Vendee Globe round the world solo race，which lasts t00 days．Despite many problems，she came second in the race out of 24 competitors and she was given a very warm welcome when she returned．

Ambition and determination have always been a big part of Ellen's personality．When she was younger，she lived in a kind of hut(棚屋) for three years while she was trying to get sponsorship to compete in a transatlantic race．Then she took a one-way ticket to France，bought a tiny seven meter Class Miniyacht，slept under it while she was repairing it，and then she raced it 4，000 kilometers across the Atlanticin 1997，alone for 33 days．

Ellen has had to learn many things，because sailing single-handed means that she has to be her own captain，electrician，sailmaker，engineer，doctor，journalist，cameraman and cook．She also has to be very fit，and because of the dangers of sleeping for long periods of time she's in the middle of the ocean，she has trained herself to sleep for about 20 minutes at a time．

And she needs courage．Once，in the middle of the ocean，she had to climb the mast(桅杆) of a boat to repair the sails-at four o'clock in the morning，with 100kph winds blowing around her．It took her many hours to make the repairs；Ellen says：“I was exhausted when I came down．It's hard to describe how it feels to be up there．It's like trying to hold onto a big pole，which for me is just too big to get my arms around，with someone kicking you all the time and trying to shake you off”．

But in her diary，Ellen also describes moments which make it all worthwhile(值得的)：“A beautiful sunrise started the day，with black clouds slowly lit by the bright yellow sun．I have a very strong feeling of pleasure，being out here on the ocean and having the chance to live this．I just feel lucky to be here”．

In the Vendee Globe race，Ellen won

A．the second place．

B．a gold medal．

C．the“Young Sailor of the Year”award．

D．the“Best Woman Sailor”award．